<SEC-DOCUMENT>0001628280-22-003839.txt : 20220224
<SEC-HEADER>0001628280-22-003839.hdr.sgml : 20220224
<ACCEPTANCE-DATETIME>20220224163319
ACCESSION NUMBER:		0001628280-22-003839
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		159
CONFORMED PERIOD OF REPORT:	20211231
FILED AS OF DATE:		20220224
DATE AS OF CHANGE:		20220224

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SLM Corp
		CENTRAL INDEX KEY:			0001032033
		STANDARD INDUSTRIAL CLASSIFICATION:	PERSONAL CREDIT INSTITUTIONS [6141]
		IRS NUMBER:				522013874
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13251
		FILM NUMBER:		22671630

	BUSINESS ADDRESS:	
		STREET 1:		300 CONTINENTAL DRIVE
		CITY:			NEWARK
		STATE:			DE
		ZIP:			19713
		BUSINESS PHONE:		(302) 283-8000

	MAIL ADDRESS:	
		STREET 1:		300 CONTINENTAL DRIVE
		CITY:			NEWARK
		STATE:			DE
		ZIP:			19713

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SLM CORP
		DATE OF NAME CHANGE:	20030326

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SALLIE MAE
		DATE OF NAME CHANGE:	20020517

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	USA EDUCATION INC
		DATE OF NAME CHANGE:	20000801
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>slm-20211231.htm
<DESCRIPTION>10-K
<TEXT>
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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGFibGU6ZjgyZmJlNWIzMTFhNDA3ODg5YWFmNDAyYzBmYmIyNWQvdGFibGVyYW5nZTpmODJmYmU1YjMxMWE0MDc4ODlhYWY0MDJjMGZiYjI1ZF8wLTAtMS0xLTA_50171c4b-8855-44b9-9226-1e8d810e1d88">Delaware</ix:nonNumeric></span></td><td colspan="6" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="dei:EntityTaxIdentificationNumber" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGFibGU6ZjgyZmJlNWIzMTFhNDA3ODg5YWFmNDAyYzBmYmIyNWQvdGFibGVyYW5nZTpmODJmYmU1YjMxMWE0MDc4ODlhYWY0MDJjMGZiYjI1ZF8wLTMtMS0xLTA_2ce80c27-21d8-448c-8243-d06946fe6793">52-2013874</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(State or other jurisdiction of<br/>incorporation or organization)</span></td><td colspan="6" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(I.R.S. Employer<br/>Identification No.)</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="dei:EntityAddressAddressLine1" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGFibGU6ZjgyZmJlNWIzMTFhNDA3ODg5YWFmNDAyYzBmYmIyNWQvdGFibGVyYW5nZTpmODJmYmU1YjMxMWE0MDc4ODlhYWY0MDJjMGZiYjI1ZF8zLTAtMS0xLTA_a6141a00-e5f8-4ec9-81b9-2144cc13e5bf">300 Continental Drive</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="dei:EntityAddressCityOrTown" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGFibGU6ZjgyZmJlNWIzMTFhNDA3ODg5YWFmNDAyYzBmYmIyNWQvdGFibGVyYW5nZTpmODJmYmU1YjMxMWE0MDc4ODlhYWY0MDJjMGZiYjI1ZF8zLTEtMS0xLTA_c6b33dfd-3fed-4f13-9942-5634fc37b7ed">Newark,</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="dei:EntityAddressStateOrProvince" format="ixt-sec:stateprovnameen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGFibGU6ZjgyZmJlNWIzMTFhNDA3ODg5YWFmNDAyYzBmYmIyNWQvdGFibGVyYW5nZTpmODJmYmU1YjMxMWE0MDc4ODlhYWY0MDJjMGZiYjI1ZF8zLTItMS0xLTA_2e894d91-bb4e-485e-9925-8e7e78c53b22">Delaware</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="dei:EntityAddressPostalZipCode" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGFibGU6ZjgyZmJlNWIzMTFhNDA3ODg5YWFmNDAyYzBmYmIyNWQvdGFibGVyYW5nZTpmODJmYmU1YjMxMWE0MDc4ODlhYWY0MDJjMGZiYjI1ZF8zLTMtMS0xLTA_bd1b746c-caca-47da-82f4-dec6c3c73585">19713</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Address of principal executive offices)</span></td><td colspan="6" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Zip Code)</span></td></tr></table></div><div style="margin-top:4.5pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(<ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="dei:CityAreaCode" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGV4dHJlZ2lvbjo1MTQ5ODNmN2Q1ZmI0NzBmODUwMGFjZTdlMzllMzdlOF8zMzQ1_997f4aea-8c43-4a7c-b843-ffa741bd969e">302</ix:nonNumeric>)&#160;<ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="dei:LocalPhoneNumber" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGV4dHJlZ2lvbjo1MTQ5ODNmN2Q1ZmI0NzBmODUwMGFjZTdlMzllMzdlOF8zMzQz_927165eb-3d47-4a0a-8229-2f659d9e6df8">451-0200</ix:nonNumeric> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">(Registrant&#8217;s Telephone Number, Including Area Code) </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(Former name, former address and former fiscal year, if changed since last report) </span></div><div style="text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:144%">Securities registered pursuant to Section 12(b) of the Act:</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.830%"><tr><td style="width:1.0%"></td><td style="width:35.734%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.651%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:44.315%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Title of each class</span></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Trading Symbol(s)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Name of each exchange on which registered</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="ie387af31181a4a61be98d5d8de08d5e3_D20210101-20211231" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGFibGU6NzE2N2Y4OTFmNzVlNDBhOGE2YzQzYmJjYzk4YTJmYTgvdGFibGVyYW5nZTo3MTY3Zjg5MWY3NWU0MGE4YTZjNDNiYmNjOThhMmZhOF8xLTAtMS0xLTA_0ddd24a7-ffa9-4137-a633-a2249589d241">Common stock, par value $.20 per share</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="ie387af31181a4a61be98d5d8de08d5e3_D20210101-20211231" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGFibGU6NzE2N2Y4OTFmNzVlNDBhOGE2YzQzYmJjYzk4YTJmYTgvdGFibGVyYW5nZTo3MTY3Zjg5MWY3NWU0MGE4YTZjNDNiYmNjOThhMmZhOF8xLTEtMS0xLTA_4a394ed7-3047-4b2b-b09d-e42573cbcb7c">SLM</ix:nonNumeric></span></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="ie387af31181a4a61be98d5d8de08d5e3_D20210101-20211231" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGFibGU6NzE2N2Y4OTFmNzVlNDBhOGE2YzQzYmJjYzk4YTJmYTgvdGFibGVyYW5nZTo3MTY3Zjg5MWY3NWU0MGE4YTZjNDNiYmNjOThhMmZhOF8xLTItMS0xLTA_fcaff6c6-bd4e-4ece-b3fc-d3d2ce57e587">The NASDAQ Global Select Market</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i7d3d94546f8440b4b2bb1ad7c7d2df63_D20210101-20211231" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGFibGU6NzE2N2Y4OTFmNzVlNDBhOGE2YzQzYmJjYzk4YTJmYTgvdGFibGVyYW5nZTo3MTY3Zjg5MWY3NWU0MGE4YTZjNDNiYmNjOThhMmZhOF8yLTAtMS0xLTA_f97fb8e3-3d15-465e-99ba-1588cf441691">Floating Rate Non-Cumulative Preferred Stock, Series B, <br/>par value $.20 per share</ix:nonNumeric></span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i7d3d94546f8440b4b2bb1ad7c7d2df63_D20210101-20211231" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGFibGU6NzE2N2Y4OTFmNzVlNDBhOGE2YzQzYmJjYzk4YTJmYTgvdGFibGVyYW5nZTo3MTY3Zjg5MWY3NWU0MGE4YTZjNDNiYmNjOThhMmZhOF8yLTEtMS0xLTA_1b2e3868-81d3-4680-b8ee-0c0cfd5a7f2d">SLMBP</ix:nonNumeric></span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i7d3d94546f8440b4b2bb1ad7c7d2df63_D20210101-20211231" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGV4dHJlZ2lvbjo1MTQ5ODNmN2Q1ZmI0NzBmODUwMGFjZTdlMzllMzdlOF8zODQ4MjkwNzA0MTgx_03948713-a80e-40d3-9158-8df358431d5a">KPMG LLP</ix:nonNumeric>&#160;&#160;&#160;&#160;      Auditor Location:&#160;&#160;&#160;&#160;                <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="dei:AuditorLocation" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGV4dHJlZ2lvbjo1MTQ5ODNmN2Q1ZmI0NzBmODUwMGFjZTdlMzllMzdlOF8zODQ4MjkwNzA0MTg5_86fe7844-58bd-4829-850c-13a2881fb799">McLean, Virginia</ix:nonNumeric>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Auditor Firm ID:&#160;&#160;&#160;&#160;<ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="dei:AuditorFirmId" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83L2ZyYWc6NTE0OTgzZjdkNWZiNDcwZjg1MDBhY2U3ZTM5ZTM3ZTgvdGV4dHJlZ2lvbjo1MTQ5ODNmN2Q1ZmI0NzBmODUwMGFjZTdlMzllMzdlOF8zODQ4MjkwNzA0MTg0_ce7b41bb-1781-4510-96af-90757fff918e">185</ix:nonNumeric></span></div><div style="margin-top:3pt;text-align:center;text-indent:18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:3pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_10"></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:14pt;font-weight:700;line-height:120%">SLM CORPORATION</span></div><div style="margin-top:6pt;text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">TABLE OF CONTENTS</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.982%"><tr><td style="width:1.0%"></td><td style="width:9.120%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:80.032%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.548%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Page Number</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_13">Forward-Looking and Cautionary Statements</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_13">2</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_16">Available Information</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_16">2</a></span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">PART I</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 1.</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_19">Business</a></span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_19">3</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 1A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_22">Risk Factors</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_22">22</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 1B.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_25">Unresolved Staff Comments</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_25">41</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_28">Properties</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_28">41</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 3.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_31">Legal Proceedings</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_31">42</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 4. </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_34">Mine Safety Disclosures</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_34">43</a></span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">PART II</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 5.</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_37">Market for Registrant&#8217;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities</a></span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_37">44</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 6.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_40">Selected Financial Data</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_40">47</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_43">Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_43">48</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629550">Impact of COVID-19 on Sallie Mae</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629550">48</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629567">Key Financial Measures</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629567">53</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629583">Strategic Imperatives</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629583">59</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629599">Results of Operations</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629599">61</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629615">Financial Condition</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629615">65</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_46">Liquidity and Capital Resources</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_46">83</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629633">Critical Accounting Policies and Estimates</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629633">93</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629649">Risk Management</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_1099511629649">99</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 7A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_49">Quantitative and Qualitative Disclosures about Market Risk</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_49">103</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 8.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_52">Financial Statements and Supplementary Data</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_52">107</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 9.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_52">Changes in and Disagreements with Accountants on Accounting and Financial Disclosure</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_52">107</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 9A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_52">Controls and Procedures</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_52">107</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 9B.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_55">Other Information</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_55">107</a></span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">PART III.</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 10.</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_58">Directors, Executive Officers and Corporate Governance</a></span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_58">108</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 11.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_58">Executive Compensation</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_58">108</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 12.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_58">Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_58">108</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 13.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_58">Certain Relationships and Related Transactions, and Director Independence</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_58">108</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 14.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_58">Principal Accounting Fees and Services</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_58">108</a></span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">PART IV</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Item 15.</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_61">Exhibits, Financial Statement Schedules</a></span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_61">109</a></span></div></td></tr></table></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div id="i35472170320a48e7aebfc3743129a2e0_13"></div><div style="padding-left:396pt;text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="padding-left:396pt;text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div><span><br/></span></div><div><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">FORWARD-LOOKING AND CAUTIONARY STATEMENTS</span></div><div style="text-align:center"><span><br/></span></div><div style="margin-bottom:3pt;padding-left:87.75pt;padding-right:355.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;References in this Annual Report on Form 10-K to &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; &#8220;Sallie Mae,&#8221; &#8220;SLM,&#8221; and the &#8220;Company&#8221; refer to SLM Corporation and its subsidiaries, except as otherwise indicated or unless the context otherwise requires.</span></div><div><span><br/></span></div><div style="text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">This Annual Report on Form 10-K contains &#8220;forward-looking&#8221; statements and information based on management&#8217;s current expectations as of the date of this report. Statements that are not historical facts, including statements about our beliefs, opinions, or expectations and statements that assume or are dependent upon future events, are forward-looking statements. This includes, but is not limited to: statements regarding future developments surrounding COVID-19 or any other pandemic, including, without limitation, statements regarding the potential impact of COVID-19 or any other pandemic on the Company&#8217;s business, results of operations, financial condition, and/or cash flows; our expectation and ability to pay a quarterly cash dividend on our common stock in the future, subject to the determination by our Board of Directors, and based on an evaluation of our earnings, financial condition and requirements, business conditions, capital allocation determinations, and other factors, risks, and uncertainties; the Company&#8217;s 2022 guidance; the Company&#8217;s three-year horizon outlook; the Company&#8217;s expectation and ability to execute loan sales and share repurchases; the Company&#8217;s projections regarding originations, net charge-offs, non-interest expenses, earnings, balance sheet position, and other metrics; any estimates related to accounting standard changes; and any estimates related to the impact of credit administration practices changes, including the results of simulations or other behavioral observations. Forward-looking statements are subject to risks, uncertainties, assumptions, and other factors that may cause actual results to be materially different from those reflected in such forward-looking statements. These factors include, among others, the risks and uncertainties set forth in Item 1A. &#8220;Risk Factors&#8221; and elsewhere in this Annual Report on Form 10-K and subsequent filings with the Securities and Exchange Commission (&#8220;SEC&#8221;); the societal, business, and legislative/regulatory impact of pandemics and other public heath crises; increases in financing costs; limits on liquidity; increases in costs associated with compliance with laws and regulations; failure to comply with consumer protection, banking, and other laws; changes in accounting standards and the impact of related changes in significant accounting estimates, including any regarding the measurement of our allowance for credit losses and the related provision expense; any adverse outcomes in any significant litigation to which we are a party; credit risk associated with our exposure to third-parties, including counterparties to our derivative transactions; and changes in the terms of education loans and the educational credit marketplace (including changes resulting from new laws and the implementation of existing laws). We could also be affected by, among other things: changes in our funding costs and availability; reductions to our credit ratings; cybersecurity incidents, cyberattacks, and other failures or breaches of our operating systems or infrastructure, including those of third-party vendors; damage to our reputation; risks associated with restructuring initiatives, including failures to successfully implement cost-cutting programs and the adverse effects of such initiatives on our business; changes in the demand for educational financing or in financing preferences of lenders, educational institutions, students, and their families; changes in law and regulations with respect to the student lending business and financial institutions generally; changes in banking rules and regulations, including increased capital requirements; increased competition from banks and other consumer lenders; the creditworthiness of our customers; changes in the general interest rate environment, including the rate relationships among relevant money-market instruments and those of our earning assets versus our funding arrangements; rates of prepayment on the loans that we own; changes in general economic conditions and our ability to successfully effectuate any acquisitions; and other strategic initiatives. The preparation of our consolidated financial statements also requires us to make certain estimates and assumptions, including estimates and assumptions about future events. These estimates or assumptions may prove to be incorrect. All forward-looking statements contained in this Annual Report on Form 10-K are qualified by these cautionary statements and are made only as of the date of this report. We do not undertake any obligation to update or revise these forward-looking statements to conform such statements to actual results or changes in our expectations.&#160;&#160;&#160;&#160;</span></div><div><span><br/></span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div><span><br/></span></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> SLM CORPORATION     </span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">1</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_16"></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div><span><br/></span></div><div><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">AVAILABLE INFORMATION</span></div><div style="margin-bottom:3pt;padding-left:87.75pt;padding-right:355.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Our website address is www.salliemae.com. Copies of our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K, as well as any amendments to those reports, and our Proxy Statements and any significant investor presentations, are available free of charge through our website as soon as reasonably practicable after they are electronically filed with, or furnished to, the SEC. The SEC maintains a website at www.sec.gov that contains all such filed or furnished reports and other information. In addition, copies of our Board Governance Guidelines, Code of Business Conduct (which includes the code of ethics applicable to our Principal Executive Officer, Principal Financial Officer, and Principal Accounting Officer) and the governing charters for each committee of our Board of Directors are available free of charge on our website, as well as in print, to any stockholder upon request. We intend to disclose any amendments to or waivers of our Code of Business Conduct (to the extent applicable to our Principal Executive Officer, Principal Financial Officer, or Principal Accounting Officer) by posting such information on our website. Information contained or referenced on our website is not incorporated by reference into and does not form a part of this Annual Report on Form 10-K.</span></div><div><span><br/></span></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">2     SLM CORPORATION </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_19"></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="text-align:center"><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PART I.</span></div><div style="text-align:center"><span><br/></span></div><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 1. Business </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Our Company Mission</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">SLM Corporation, more commonly known as Sallie Mae, is the premier financial brand in higher education. Our mission is to power confidence as students begin their unique journey. We simplify the college planning process by providing tools, resources, and information to help students and families make informed decisions and to improve access and support college completion through our scholarship programs and responsible financing options. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We believe education, in all forms, is the foundation for success, an equalizer of opportunities, and a proven pathway to economic mobility. Higher education increases lifetime wages and enables economic mobility. For example, data from the U.S. Bureau of Labor and Statistics confirms those with bachelor&#8217;s degrees earn 67 percent more than those with a high school diploma.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Those with advanced degrees earn an even greater percentage than those with a high school diploma.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> This effect is multigenerational, as children of parents who are college educated are more likely to earn a bachelor&#8217;s degree than students whose parents did not go to college. Most would agree our society prospers and becomes more economically inclusive when each of its members is provided access to post-secondary education.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">2</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Education represents a transformative investment in one&#8217;s future that yields our country&#8217;s next nurses, teachers, engineers, business leaders, and more. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Our History</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While the Sallie Mae name has existed for more than 40 years, the company that operates as Sallie Mae today, SLM Corporation, was formed in late 2013 and includes its wholly-owned subsidiary, Sallie Mae Bank, an industrial bank established in 2005 (the &#8220;Bank&#8221;). On April 30, 2014, we legally separated (the &#8220;Spin-Off&#8221;) from another public company that is now named Navient Corporation (&#8220;Navient&#8221;), which is in the education loan management, servicing, asset recovery, and consolidation loan business. Navient retained all assets and liabilities generated prior to the Spin-Off other than those explicitly retained by us pursuant to the Separation and Distribution Agreement (as hereinafter defined) executed in connection with the Spin-Off. We are a consumer banking business and did not retain any assets or liabilities generated prior to the Spin-Off other than those explicitly retained by us pursuant to the Separation and Distribution Agreement. We sometimes refer to the company that existed prior to the Spin-Off as &#8220;pre-Spin-Off SLM.&#8221; </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank was formed in 2005 to fund and originate Private Education Loans (as hereinafter defined) on behalf of pre-Spin-Off SLM. While the Bank first originated Private Education Loans in February 2006, pre-Spin-Off SLM continued to purchase a portion of its Private Education Loans from third-party lending partners through mid-2009. With some minor exceptions, the Bank became the sole originator of Private Education Loans for pre-Spin-Off SLM beginning with the 2009-2010 academic year, the first academic year following the launch of the Bank&#8217;s Smart Option Student Loan program in mid-2009. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our principal executive offices are located at 300 Continental Drive, Newark, Delaware 19713. Additionally, we have offices in New Castle, Delaware; Salt Lake City, Utah; Indianapolis, Indiana; Newton, Massachusetts; and Sterling, Virginia. Our telephone number is (302)&#160;451-0200. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">______________________</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">https://www.bls.gov/careeroutlook/2021/data-on-display/education-pays.htm</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">2</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">https://research.collegeboard.org/trends/education-pays</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">3</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span><br/></span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Our Business </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our business is focused and aligned to strategic imperatives that set the foundation for our continued success. These imperatives include: increasing the profitability and growth of our core business, continuing to build and advance a strong brand among our customers, helping policymakers better understand the student lending marketplace and our role in it, allocating capital and returning it to shareholders when appropriate, and fostering a true mission- and performance-led culture. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Private Education Loans</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our primary business is to originate and service high-quality Private Education Loans. &#8220;Private Education Loans&#8221; are education loans for students or their families that are not made, insured, or guaranteed by any state or federal government. We also offer a range of deposit products insured by the Federal Deposit Insurance Corporation (the &#8220;FDIC&#8221;). In 2021, more than 397,000 families chose us as their Private Education Loan provider, more than any other private student loan lender. We originated $5.4 billion of Private Education Loans in 2021, an increase of 2 percent from the year ended December&#160;31, 2020. As of December&#160;31, 2021, we had $19.6 billion of Private Education Loans held for investment, net, outstanding. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Private Education Loans we make to students and families serve primarily to bridge the gap between the cost of higher education and the amount funded through financial aid, federal loans, and student and families&#8217; resources. We also extend Private Education Loans as an alternative to similar federal education loan products where we believe our rates are competitive. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our primary Private Education Loan product is the Smart Option Student Loan, which emphasizes in-school payment features that can produce shorter terms and reduce customers&#8217; total finance charges. Customers generally elect one of three Smart Option repayment types at the time of loan origination. The first two, interest only and fixed payment options, require monthly payments while the student is in school and during the grace period thereafter, and accounted for approximately half of the Private Education Loans the Bank originated during 2021. The third repayment option is the more traditional deferred Private Education Loan product where customers are not required to make payments while the student is in school and during the grace period after separation from school. (The grace period for a Smart Option Student Loan generally runs for six months after the borrower separates from school, but can run for up to 36 months for a small subset of graduate loans.) Lower interest rates on the interest only and fixed payment options encourage customers to elect those options, which help customers reduce their total loan cost compared with the traditional deferred option loan. Making payments while in school helps customers become accustomed to making on-time regular loan payments. We offer both variable-rate and fixed-rate loans.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also offer six loan products for specific graduate programs of study. These include the Sallie Mae Law School Loan, the Sallie Mae MBA Loan, the Sallie Mae Health Professions Graduate Loan, the Sallie Mae Medical School Loan, the Sallie Mae Dental School Loan, and the Sallie Mae Graduate School Loan. These products were designed to address the specific needs of graduate students, such as extended grace periods for medical students.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We regularly review and update the terms of our Private Education Loan products. Our Private Education Loans include important protections for the family, including loan forgiveness in case of death or permanent disability of the student borrower, a free, quarterly FICO score benefit to students and cosigners and, for borrowers with a Smart Option Student Loan, on-line tutoring services to help students succeed in school.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a holder of Private Education Loans, we bear the full credit risk of the customers. We manage this risk by underwriting and pricing based on customized credit scoring criteria and the addition of qualified cosigners. For Private Education Loans originated during the year ended December&#160;31, 2021, our average FICO scores (representing the higher credit scores of the cosigners or borrowers) at the time of original approval were 750, and approximately 86 percent of those loans were cosigned. In addition, we require school certification of both the need for, and the amount of, every Private Education Loan we originate (to prevent unnecessary borrowing beyond a school&#8217;s cost of attendance), and we disburse the loan proceeds directly to the higher education institutions to ensure loan proceeds are applied directly to the student&#8217;s education expenses.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The core of our marketing strategy is to promote our products on campuses through financial aid offices as well as through online and direct marketing to students and families. Our on-campus efforts with approximately 2,300 higher education institutions are led by our relationship management team, the largest in the industry, which has become a trusted resource for financial aid offices. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">4   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-bottom:5pt;margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our loans are high credit quality and the overwhelming majority of our customers manage their payments with great success. Private Education Loans in repayment include loans on which customers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. At December&#160;31, 2021, 3.3 percent of Private Education Loans (held for investment) in repayment were 30 days or more delinquent, and Private Education Loans (held for investment) in forbearance were 1.9&#160;percent of loans in repayment and forbearance. In 2021, Private Education Loan net charge-offs as a percentage of average loans in repayment were 1.33 percent.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Sallie Mae Bank</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank, which is regulated by the Utah Department of Financial Institutions (the &#8220;UDFI&#8221;), the FDIC, and the Consumer Financial Protection Bureau (the &#8220;CFPB&#8221;), offers traditional savings products, such as high-yield savings accounts, money market accounts, and certificates of deposit (&#8220;CDs&#8221;), originates Private Education Loans, and manages a loan portfolio that also includes loans insured or guaranteed under the previously existing Federal Family Education Loan Program (&#8220;FFELP Loans&#8221;) and credit card loans (&#8220;Credit Cards&#8221;). At December&#160;31, 2021, the Bank had total assets of $28.9 billion, including $19.6 billion of Private Education Loans (held for investment), net, $693 million of FFELP Loans (held for investment), net, $23 million of Credit Cards (held for investment), net, and total deposits of $21.4 billion. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our ability to obtain deposit funding and offer competitive interest rates on deposits will be necessary to sustain our Private Education Loan and other originations. Our ability to obtain such funding is dependent, in part, on the capital levels of the Bank and its compliance with other applicable regulatory requirements. At the time of this filing, there are no regulatory restrictions on our ability to obtain deposit funding or the interest rates we offer other than those restrictions generally applicable to all FDIC-insured banks of similar charter and size. We maintained our diversified funding base by raising $1.6&#160;billion in term funding collateralized by pools of Private Education Loans in the long-term asset-backed securities (&#8220;ABS&#8221;) market in 2021. This brought our total ABS funding outstanding at December 31, 2021 to $4.9 billion, or 25 percent of our total Private Education Loans held for investment portfolio. We plan to continue to use ABS funding, market conditions permitting. This helps us better match-fund our assets and avoids excessive reliance on deposit funding. </span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See the subsection titled &#8220;Regulation of Sallie Mae Bank&#8221; under &#8220;Supervision and Regulation&#8221; for additional details about the Bank.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Credit Cards</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We offer three types of credit cards, each uniquely designed to promote and reward financial responsibility, including a card that offers a cash back bonus that cardholders can apply to pay down a student loan. At December 31, 2021, we had $23&#160;million of Credit Cards, net, outstanding in our loans held for investment portfolio.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">SmartyPig</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our SmartyPig&#8482; product is a free, FDIC-insured, online, goal-based savings account that helps consumers save for long- and short-term goals. Its tiered interest rates reward consumers for growing their savings. At December 31, 2021, we had $336 million in SmartyPig deposits. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Personal Loans and Upromise</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the fourth quarter of 2019, we discontinued originations of our unsecured personal loans used for non-educational purposes (&#8220;Personal Loans&#8221;) and did not originate or purchase any Personal Loans in 2021 and 2020. In the third quarter of 2020, we sold our entire Personal Loan portfolio to focus our capital and attention on the core education loan business. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As part of our efforts to focus and align to our core business, on May 31, 2020, we also sold our former Upromise Inc. subsidiary, which operated a free to join rewards program.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">5</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span><br/></span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Our Lending Philosophy</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Sallie Mae is committed to lending responsibly and encourages responsible borrowing by advising students and families to follow this three-step approach to paying for college:</span></div><div style="margin-top:9pt;padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Start with money you won&#8217;t have to pay back.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Supplement your college savings and income by maximizing scholarships, grants, and work-study.&#160; </span></div><div style="margin-top:9pt;padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Explore federal student loans.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Explore federal student loan options by completing the Free Application for Federal Student Aid (&#8220;FAFSA&#8221;).</span></div><div style="margin-top:9pt;padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Consider a responsible private student loan.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Fill the gap between your available resources and the cost of college.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The best interests of our customers are front-and-center and integral to our responsible lending philosophy. We reward financial responsibility, emphasize building good credit, and provide flexible repayment terms to help customers manage and eliminate debt. We also embed customer protections in our products. To ensure applicants borrow only what they need to cover their school&#8217;s cost of attendance, we actively engage with schools and require school certification before we disburse a Private Education Loan. To help applicants understand their loan and its terms, we provide multiple, customized disclosures explaining the applicant&#8217;s starting interest rate, the interest rate during the life of the loan, and the loan&#8217;s total cost under the available repayment options. Our Private Education Loans feature (i) no origination fees and no prepayment penalties, (ii) interest rate reductions for those who enroll in and make monthly payments through auto debit, (iii) free access to quarterly FICO credit scores to help customers monitor their credit health, (iv) a choice of repayment options, and (v) a choice of either variable or fixed interest rates. Beginning in 2017, all newly-originated Private Education Loans for undergraduate students included the benefit of free access to study services at an online third-party vendor to assist students in advancing their education.</span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Our Approach to Assisting Students and Families Borrowing and Repaying Private Education Loans</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Half of our Private Education Loan customers elect an in-school repayment option. By making in-school payments, customers learn to establish good repayment patterns, reduce their total loan cost, and graduate with less debt. We send monthly communications to customers while they are in school, even if they have no monthly payments scheduled, to keep them informed and encourage them to reduce the amount they will owe when they leave school.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Some customers transitioning from school to the work force may require more time before they are financially capable of making full payments of principal and interest. Sallie Mae created a Graduated Repayment Period program (the &#8220;GRP&#8221;) to assist borrowers with additional payment flexibility, allowing customers to make interest-only payments instead of full principal and interest payments for a period of 12 months if they elect within a specified time frame to participate in the GRP. The time frame for electing to participate in the GRP begins six months before expiration of a borrower&#8217;s grace period and extends until 12 months after the expiration of the grace period. The 12-month interest only payments under the GRP begin upon expiration of a borrower&#8217;s grace period or election of the GRP, whichever is later. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our experience has taught us the successful transition from school to full principal and interest repayment status involves making and carrying out a financial plan. As customers approach the principal and interest repayment period on their loans, Sallie Mae engages with them and communicates what to expect during the transition. In addition, SallieMae.com provides educational content for customers on how to organize loans, set up a monthly budget, and understand repayment obligations. Examples are provided to help explain how payments are applied and allocated, and see how the accrued interest on alternative repayment programs could affect the cost of customers&#8217; loans. The site also provides important information on benefits available to servicemembers under the Servicemembers Civil Relief Act (the &#8220;SCRA&#8221;).</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">After graduation, a customer may apply for the cosigner to be released from the loan. This option is available after 12 principal and interest payments are made and the student borrower adequately meets our credit requirements. In the event of a cosigner&#8217;s death, the student borrower automatically continues as the sole individual on the loan with the same terms.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">6   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If a customer&#8217;s account becomes delinquent, our collections centers work with the customer and/or the cosigner to understand their ability to make ongoing payments. If the customer is in financial hardship, we work with the customer and/or cosigner and identify any available alternative arrangements designed to reduce monthly payment obligations. These can include extended repayment schedules, temporary interest rate reductions and, if appropriate, short-term&#160;hardship forbearance. These arrangements are suited to the customer&#8217;s individual circumstances and ability to make payments. When we grant forbearance, we counsel customers on the effect forbearance will have on their loan balance. See Part II, Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations  &#8212; Financial Condition &#8212; Allowance for Credit Losses &#8212; Use of Forbearance and Rate Modifications as a Private Education Loan Collection Tool&#8221; for additional information about the recent changes to our credit administration practices. </span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">COVID-19 Response</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are accommodating to customers who face special circumstances or have trouble making loan payments. Like many Americans, some of our customers faced unforeseen challenges due to the pandemic of respiratory disease caused by the coronavirus 2019 or COVID-19 (&#8220;COVID-19&#8221;). In response, we took significant steps to provide relief to assist those customers. On March 10, 2020, we proactively posted assistance information on our web site and communicated to all Sallie Mae customers, including cosigners, to inform them assistance was available. We enhanced the functionality of our chat, automated phone system, mobile app, and website features to help all our customers manage their accounts, make or postpone payments, and request hardship relief. Customers may contact us in whatever way is most convenient for them. </span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Historically, we also have utilized disaster forbearance to assist borrowers affected by material events, including hurricanes, wildfires, floods, and the COVID-19 pandemic. We typically grant disaster forbearance to affected borrowers in increments of up to three months at a time. In accordance with regulatory guidance that encourages lenders to work constructively with customers who have been impacted by COVID-19, we invoked this same disaster forbearance program to assist our customers through COVID-19 and offered this program across our operations, including through mobile and self-service channels such as chat and interactive voice response (&#8220;IVR&#8221;) to address initial high volumes at the onset of the pandemic. We have since returned to a policy of interacting with 100 percent of these customers through our customer care and collections personnel. Customers requesting a disaster forbearance or an extension of a disaster forbearance are required to speak with our customer care and collections personnel.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During COVID-19, our customers experienced higher levels of financial hardship, which initially led to higher levels of forbearance. We expect for some customers financial hardship may lead to higher levels of delinquencies and defaults in the future, as borrowers who had received disaster forbearance from us re-enter repayment status. Beginning in June 2021, we stopped granting COVID-19 related disaster forbearances. As borrowers in the various delinquency buckets exit disaster forbearance and begin to enter repayment, we expect elevated levels of losses on this segment of our customers. We expect that, left unabated, this deterioration in delinquency and default rates may persist until economic conditions return to pre-pandemic levels. For further information on the impact of COVID-19 on the Company, see Part II, Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8212; Impact of COVID-19 on Sallie Mae,&#8221; in this annual report on Form 10-K. </span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Customer Service</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We perform the origination, servicing, and collections activities for all of our Private Education Loans in the United States with dedicated representatives assisting customers with various needs, including the military personnel customers who may be eligible for military benefits. We expect the Bank or affiliates of the Bank to retain servicing of all Private Education Loans the Bank originates, regardless of whether the loans are held, sold, or securitized.</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Over the past few years, we have implemented several improvements in our ability to interact with our loan customers, including:</span></div><div style="margin-bottom:5pt;margin-top:5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">an integrated platform that allows customers and servicing agents to streamline our processes and provide efficiencies, thereby creating more customer-centric capabilities for our team members; </span></div><div style="margin-bottom:5pt;margin-top:5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">an on-line chat function for customer service;</span></div><div style="margin-bottom:5pt;margin-top:5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">a mobile application accessible through smart phones and the Apple watch; and </span></div><div style="margin-bottom:5pt;margin-top:5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">initiation of customer surveys to gain feedback on areas for improvement within our servicing function.</span></div><div style="margin-bottom:5pt;margin-top:5pt;padding-left:36pt;text-indent:-18pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">7</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These and other enhancements have contributed to streamlined originations and servicing processes, increased customer self-services rates, and improved customer satisfaction in all channels. The Company maintains an A+ rating with the Better Business Bureau.</span></div><div style="margin-bottom:8pt;margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Customer Success</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We continue to adapt our business to best serve the needs of families who see us as a trusted advisor and partner. We are strongly invested in our customers&#8217; success. Of total customers, approximately 98 percent of loans in repayment are in good standing.</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our College Planning Calculator helps families set college savings goals, projects the full costs of a college degree, and estimates future student loan payments and the annual starting salary level needed to keep payments manageable. </span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Scholarship Search, our free online scholarship database, is home to more than 6&#160;million scholarships collectively worth over $30&#160;billion. Our Scholarship Search for Graduate Students includes access to approximately 1 million graduate school scholarships with an aggregate value of more than $1.25&#160;billion.</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also have a one-stop college-planning destination &#8212; Sallie Mae&#8217;s Paying for College Resource &#8212; created with, and for, high school educators and counselors. The Sallie Mae Paying for College Resource provides access to free, online college planning tools, short educational videos on financial aid, and other valuable information to help guide students and their families through the planning for college process.</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To raise awareness about the importance of completing the FAFSA and to simplify the process, we partnered with Embark, the leading provider of admissions software for schools and universities, to provide a free online tool to help families file the FAFSA. The tool reduces the average time it takes to complete the FAFSA from 55 minutes to less than 20 minutes.</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2021, we relaunched our online resource to provide a centralized and simplified site that provides information on tools and resources for school counselors as they assist students and families plan and pay for college. We are also creating a suite of confidence inspiring tools and resources as well as new, innovative partnerships that we expect will provide significant value to our customers.</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In January 2022, we announced we had executed an agreement to acquire the assets of Epic Research Education Services, LLC, which does business as Nitro College (&#8220;Nitro&#8221;). Nitro takes pride in equipping college students and their parents with the necessary tools to navigate college financing, manage their debt, and obtain scholarship opportunities. In addition to providing a scholarship finder, Nitro provides FAFSA application support, information on grants, and calculators to help college students determine the potential return on investment from a college degree. The addition of Nitro will support our mission of providing students with the confidence needed to successfully navigate the higher education journey. Strategically, we expect the acquisition of the Nitro assets, including its employees and intellectual property, when complete, to immediately expand our digital marketing capabilities, reduce the cost to acquire customer accounts, and accelerate our progress to become a broader education solutions provider for students before, during, and immediately after college. The transaction is subject to customary approvals and closing conditions and is expected to close in the first quarter of 2022.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">8   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Key Drivers of Private Education Loan Market Growth </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The size of the Private Education Loan market is based primarily on three factors: college enrollment levels, the costs of attending college, and the availability of funds from the federal government to pay for a college education. The amounts students and their families can contribute toward college costs and the availability of scholarships and institutional grants are also important. If the cost of education increases at a pace exceeding the sum of family income, savings, federal lending, and scholarships, more students and families can be expected to rely on Private Education Loans. If enrollment levels or college costs decline, or the availability of federal education loans, grants, or subsidies and scholarships significantly increases, Private Education Loan demand could decrease. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We focus primarily on students attending public and private not-for-profit four-year degree granting institutions. We lend to some students attending two-year and for-profit schools. Due to the low cost of two-year programs, federal grant and loan programs are typically sufficient for the funding needs of these students. Approximately 12&#160;percent or $673 million of our 2021 Private Education Loan originations were for students attending for-profit schools. The for-profit schools where we continue to do business are primarily focused on career training and health care fields. We expect students who attend and complete programs at for-profit schools to support the same repayment performance as students who attend and graduate from public and private not-for-profit four-year degree granting institutions. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our competitors</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> in the Private Education Loan market include large banks such as Discover Bank, Citizens Financial Group, Inc. and PNC Bank, as well as a number of smaller specialty finance companies and members of the Education Finance Council. We compete based on our products, originations capability, price, and customer service.</span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Enrollment </span></div><div style="padding-left:36pt;text-indent:-18pt"><span><br/></span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We expect enrollment to remain relatively flat over the next several years. </span></div><div style="padding-left:36pt"><span><br/></span></div><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Enrollment at Four-Year Degree Granting Institutions</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">2 </span></div><div style="padding-left:18pt;padding-right:18pt;text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(in millions)</span></div><div style="text-align:center"><img src="slm-20211231_g1.jpg" alt="slm-20211231_g1.jpg" style="height:233px;margin-bottom:5pt;vertical-align:text-bottom;width:586px"/><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">According to the U.S. Department of Education&#8217;s projections released in January 2021, the enrollment is projected to remain relatively flat from 2020 to 2029.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">2  </span></div><div><span><br/></span></div><div style="padding-left:36pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">______________________</span></div><div style="padding-left:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Source: MeasureOne Q3 2021 Private Student Loan Report, November 2021. www.measureone.com.</span></div><div style="padding-left:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Source: U.S. Department of Education, National Center for Education Statistics, Projections of Education Statistics to 2029 (NCES, January 2021), Enrollment in Postsecondary Institutions (NCES, January 2021). These are the most recent sources available to us for this information. Given the dates these sources were published, however, the information from these sources may be limited and may not contemplate or reflect the full effects and impacts of COVID-19 on students and college enrollment in future years.</span></div><div style="padding-left:4.5pt"><span><br/></span></div><div style="padding-left:4.5pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">9</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="padding-left:4.5pt"><span><br/></span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Tuition Rates </span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Average published tuition and fees (exclusive of room and board) at four-year public and private not-for-profit institutions increased at compound annual growth rates of 1.9 percent and 2.3 percent, respectively, from AYs 2017-2018 through 2021-2022. Average published tuition and fees at public and private four-year not-for-profit institutions grew 1.2 percent and 1.1 percent, respectively, between AYs 2019-2020 and 2020-2021 and 1.6 percent and 2.1 percent, respectively, between AYs 2020-2021 and 2021-2022.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">3</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Tuition and fees are likely to continue to grow at the more modest rates of recent years.</span></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:18pt;padding-right:18pt;text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Published Tuition and Fees</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">3</span></div><div style="padding-left:18pt;padding-right:18pt;text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(Dollars in actuals)</span></div><div style="text-align:center"><img src="slm-20211231_g2.jpg" alt="slm-20211231_g2.jpg" style="height:233px;margin-bottom:5pt;vertical-align:text-bottom;width:586px"/></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">______</span></div><div style="padding-left:121.5pt;padding-right:90pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">  Source: The College Board-Trends in College Pricing 2021. &#169; 2021 The College Board. www.collegeboard.org. The College Board restates its data annually, which may cause previously reported results to vary.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">10   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Sources of Funding </span></div><div style="padding-left:117pt;padding-right:90pt;text-indent:-9pt"><span><br/></span></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Private Education Loan originations decreased to an estimated $11&#160;billion in AY 2020-2021, down 15&#160;percent over the previous year.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">4</span></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:36pt"><img src="slm-20211231_g3.jpg" alt="slm-20211231_g3.jpg" style="height:307px;margin-bottom:5pt;vertical-align:text-bottom;width:652px"/></div><div style="padding-left:36pt"><span><br/></span></div><div><span><br/></span></div><div style="padding-left:81pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">_______</span></div><div style="padding-left:81pt;padding-right:54pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">  Source: The College Board-Trends in Student Aid 2016. </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">&#169;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> 2016 The College Board. </span><span style="color:#0563c1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline">www.collegeboard.org</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> and The College Board-Trends in Student Aid 2021. </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">&#169;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> 2021 The College Board. </span><span style="color:#0563c1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline">www.collegeboard.org</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">. MeasureOne www.measureone.com. Funding sources in current dollars and include federal and private loan data. 2021 Private Education Loan market assumptions use The College Board-Trends in Student Aid 2016</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">&#169;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> 2016 trends and College Board-Trends in Student Aid 2021 </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">&#169;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> 2021 data, and MeaureOne report. Other sources for the size of the Private Education Loan market exist and may cite the size of the market differently. The College Board restates its data annually, which may cause previously reported results to vary. We rely on publicly available sources for market estimates, because we believe it provides a more appropriate basis for comparison of the performance of our business. </span></div><div style="padding-left:81pt;padding-right:54pt;text-indent:-9pt"><span><br/></span></div><div style="padding-left:81pt;padding-right:54pt;text-indent:-9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></div><div style="padding-right:27pt"><span><br/></span></div><div style="padding-left:81pt;padding-right:27pt;text-indent:-9pt"><span><br/></span></div><div style="padding-left:54pt;padding-right:27pt"><span><br/></span></div><div style="padding-left:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">                        </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">11</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="padding-left:18pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We estimate total spending on higher education was $469 billion in AY 2020-2021, up from $435 billion in AY 2016-2017. Private Education Loan originations decreased to an estimated $11&#160;billion in AY 2020-2021, down 15 percent over the previous year, and represent just 2.4 percent of total spending on higher education. Modest growth in total spending can lead to meaningful increases in Private Education Loans in the absence of growth in other sources of funding.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">5</span></div><div style="margin-bottom:5pt;margin-top:5pt;padding-left:18pt;padding-right:18pt;text-align:center"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:center;text-indent:24.75pt"><img src="slm-20211231_g4.jpg" alt="slm-20211231_g4.jpg" style="height:343px;margin-bottom:5pt;vertical-align:text-bottom;width:696px"/></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:13.8pt">Over the AYs 2016-2020 period, increases in total spending have been absorbed primarily through increased family contributions. If household finances continue to improve, we would expect this trend to continue. </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">_________________________</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">         </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.321%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">5</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> Source: Total post-secondary education spending is estimated by Sallie Mae determining the full-time equivalents for both graduates and undergraduates and multiplying by the estimated total per person cost of attendance for each school type. In doing so, we utilize information from the U.S. Department of Education, National Center for Education Statistics, Projections of Education Statistics to 2027 (NCES 2020, October 2020), The Integrated Postsecondary Education Data System (IPEDS), College Board -Trends in Student Aid 2016. &#169; 2016 The College Board, www.collegeboard.org, College Board -Trends in Student Aid 2021. &#169; 2021 The College Board, www.collegeboard.org, College Board -Trends in Student Pricing 2021. &#169; 2021 The College Board, www.collegeboard.org, National Student Clearinghouse - Term Enrollment Estimates, and Company analysis. 2019 Private Education Loan market assumptions use The College Board-Trends in Student Aid 2016 </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">&#169;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> 2016 trends and College Board-Trends in Student Aid 2021 </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">&#169;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> 2021 data. Other sources for these data points also exist publicly and may vary from our computed estimates. NCES, IPEDS, and College Board restate their data annually, which may cause previous reports to vary. We have also recalculated figures in our Company analysis to standardize all costs of attendance to dollars not adjusted for inflation. This has a minimal impact on historically-stated numbers.</span></div></td></tr></table></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">12   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Supervision and Regulation </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Overview</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are subject to extensive regulation, examination, and supervision by various federal, state, and local authorities. The more significant aspects of the laws and regulations that apply to us and our subsidiaries are described below. These descriptions are qualified in their entirety by reference to the full text of the applicable statutes, legislation, regulations, and policies, as they may be amended, and as interpreted and applied, by federal, state, and local agencies.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the &#8220;Dodd-Frank Act&#8221;) was adopted to reform and strengthen regulation and supervision of the U.S. financial services industry. It contains comprehensive provisions to govern the practices and oversight of financial institutions and other participants in the financial markets. It mandates significant regulations, additional requirements, and oversight on almost every aspect of the U.S. financial services industry, including increased capital and liquidity requirements, limits on leverage, and enhanced supervisory authority. It requires the issuance of many regulations, which will take effect over several years. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, states are taking an increased interest in directly regulating the conduct and practices of student loan servicers.  Some states recently have enacted legislation creating specialized offices within state government to oversee the student loan servicing industry operating within those states, as well as to set minimum standards governing the practices of student loan servicers.  This represents a significant change from the past in which states generally did not issue laws and regulations tailored specifically to the student loan servicing industry.  </span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Consumer Protection Laws and Regulations</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our origination, servicing, first-party collection, and deposit taking activities subject us to federal and state consumer protection, privacy, and related laws and regulations. Some of the more significant laws and regulations applicable to our business include:</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">various state and federal laws governing unfair, deceptive, or abusive acts or practices; </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">various state laws and regulations imposing specific, mandated standards and requirements on the conduct and practices of student loan servicers;</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the federal Truth-In-Lending Act and Regulation Z, which govern disclosures of credit terms to consumer borrowers; </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the Fair Credit Reporting Act and Regulation V, which govern the use and provision of information to consumer reporting agencies; </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the Equal Credit Opportunity Act and Regulation B, which prohibit creditor practices that discriminate on the basis of race, religion, and other prohibited factors in extending credit; </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the SCRA, which applies to all debts incurred prior to commencement of active military service (including education loans) and limits the amount of interest, including fees, that may be charged; </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the Truth in Savings Act and Regulation DD, which mandate certain disclosures related to consumer deposit accounts; </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the Expedited Funds Availability Act, Check Clearing for the 21st Century Act and Regulation CC issued by the Federal Reserve Bank (&#8220;FRB&#8221;), which relate to the availability of deposit funds to consumers; </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the Right to Financial Privacy Act, which imposes a duty to maintain the confidentiality of consumer financial records and prescribes procedures for complying with federal government requests for and subpoenas of financial records; </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the Electronic Funds Transfer Act and Regulation E, which govern automated transfers of funds and consumers&#8217; rights related thereto; </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the Telephone Consumer Protection Act, which governs communication methods that may be used to contact customers; </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the Gramm-Leach-Bliley Act, which governs the ability of financial institutions to disclose nonpublic information about consumers to non-affiliated third-parties; and </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">13</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the California Consumer Privacy Act, which governs transparency and disclosure obligations regarding personal information of residents of the State of California. </span></div><div style="padding-left:36pt"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Consumer Financial Protection Bureau</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The CFPB has broad authority to promulgate regulations under federal consumer financial protection laws and to directly or indirectly enforce those laws, including providing regulatory oversight of the Private Education Loan industry, and to examine financial institutions for compliance. It is authorized to collect fines and order consumer restitution in the event of violations, engage in consumer financial education, track consumer complaints, request data, and promote the availability of financial services to underserved consumers and communities. It has authority to prevent unfair, deceptive, or abusive acts and practices by issuing regulations or by using its enforcement authority without first issuing regulations. The CFPB has been active in its supervision, examination, and enforcement of financial services companies, notably bringing enforcement actions, imposing fines, and mandating large refunds to customers of several large banking institutions. The CFPB is the Bank&#8217;s primary consumer compliance supervisor with compliance examination authority and primary consumer protection enforcement authority. The UDFI and FDIC remain the prudential regulatory authorities with respect to the Bank&#8217;s financial strength.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Private Education Loan Ombudsman within the CFPB is authorized to receive and attempt to informally resolve inquiries about Private Education Loans. The Private Education Loan Ombudsman is required by law to report to Congress annually on the trends and issues identified through this process. The CFPB continues to take an active interest in the student loan industry, undertaking a number of initiatives related to the Private Education Loan market and student loan servicing. In early February 2020, the CFPB entered into a Memorandum of Understanding with the U.S. Department of Education (the &#8220;CFPB/DOE MOU&#8221;) in order to better serve student loan borrowers. Under the agreement, the agencies will share complaint information from borrowers and meet quarterly to discuss, among other things, the nature of complaints received and available information about the resolution of complaints. </span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Regulation of Sallie Mae Bank</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank was chartered in 2005 and is a Utah industrial bank regulated by the FDIC, the UDFI, and the CFPB. We are not a bank holding company under the Bank Holding Company Act and therefore are not subject to the federal regulations applicable to bank holding companies. However, we and our non-bank subsidiaries are subject to regulation and oversight as institution-affiliated parties. The following discussion sets forth some of the elements of the bank regulatory framework applicable to us, the Bank, and our other non-bank subsidiaries.</span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">General</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is currently subject to prudential regulation and examination by the FDIC and the UDFI, and consumer compliance regulation and examination by the CFPB. Numerous other federal and state laws and regulations govern almost all aspects of the operations of the Bank and, to some degree, our operations and those of our non-bank subsidiaries as institution-affiliated parties.</span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Actions by Federal and State Regulators</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under federal and state laws and regulations pertaining to the safety and soundness of insured depository institutions, the UDFI and the FDIC have the authority to compel or restrict certain actions of the Bank if it is determined to lack sufficient capital or other resources, or is otherwise operating in a manner deemed to be inconsistent with safe and sound banking practices. Under this authority, the Bank&#8217;s regulators can require it to enter into informal or formal supervisory agreements, including board resolutions, memoranda of understanding, written agreements, and consent or cease and desist orders, pursuant to which the Bank would be required to take identified corrective actions to address cited concerns and refrain from taking certain actions.</span></div><div style="margin-top:6pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Enforcement Powers of Regulators</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As &#8220;institution-affiliated parties&#8221; of the Bank, we, our non-bank subsidiaries, and our management, employees, agents, independent contractors, and consultants are subject to potential civil and criminal penalties for violations of law, regulations, or written orders of a government agency. Violations can include failure to timely file required reports, filing false or misleading information, or submitting inaccurate reports. Civil penalties may be as high as $1,000,000 per day for such violations, and criminal penalties for some financial institution crimes may include imprisonment for 20 years. Regulators have flexibility to commence enforcement actions against institutions and institution-affiliated parties, and the FDIC has the authority to terminate deposit insurance. When issued by a </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">14   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">banking agency, cease and desist and similar orders may, among other things, require affirmative action to correct any harm resulting from a violation or practice, including by compelling restitution, reimbursement, indemnifications, or guarantees against loss. A financial institution may also be ordered to restrict its growth, dispose of certain assets, rescind agreements or contracts, or take other actions determined to be appropriate by the ordering agency. The federal banking regulators also may remove a director or officer from an insured depository institution (or bar them from the industry) if a violation is willful or reckless.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In May 2014, the Bank received a Civil Investigative Demand (&#8220;CID&#8221;) from the CFPB as part of the CFPB&#8217;s separate investigation relating to customer complaints, fees, and charges assessed in connection with the servicing of student loans and related collection practices of pre-Spin-Off SLM by entities now subsidiaries of Navient during a time period prior to the Spin-Off (the &#8220;CFPB Investigation&#8221;). Two state attorneys general also provided the Bank identical CIDs and other state attorneys general have become involved in the inquiry over time (collectively, the &#8220;Multi-State Investigation&#8221;). To the extent requested, the Bank has been cooperating fully with the CFPB and the attorneys general conducting the Multi-State Investigation. Given the timeframe covered by the CIDs, the CFPB Investigation and the Multi-State Investigation, and the focus on practices and procedures previously conducted by Navient and its servicing subsidiaries prior to the Spin-Off, Navient is leading the response to these investigations. Consequently, we have no basis from which to estimate either the duration or ultimate outcome of these investigations.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With regard to the CFPB Investigation, we note that on January 18, 2017, the CFPB filed a complaint in federal court in Pennsylvania against Navient, along with its subsidiaries, Navient Solutions, Inc. and Pioneer Credit Recovery, Inc. The complaint alleges these Navient entities, among other things, engaged in deceptive practices with respect to their historic servicing and debt collection practices. Neither SLM, the Bank, nor any of their current subsidiaries are named in, or otherwise a party to, the lawsuit and are not alleged to have engaged in any wrongdoing. The CFPB&#8217;s complaint asserts Navient&#8217;s assumption of these liabilities pursuant to the Separation and Distribution Agreement entered into by the Company and Navient in connection with the Spin-Off (the &#8220;Separation and Distribution Agreement&#8221;).</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 18, 2017, the Illinois Attorney General filed a lawsuit in Illinois state court against Navient - its subsidiaries Navient Solutions, Inc., Pioneer Credit Recovery, Inc., and General Revenue Corporation - and the Bank arising out of the Multi-State Investigation. On March 20, 2017, the Bank moved to dismiss the Illinois Attorney General action as to the Bank, arguing, among other things, the complaint failed to allege with sufficient particularity or specificity how the Bank was responsible for any of the alleged conduct, most of which predated the Bank&#8217;s existence. On July 10, 2018, the Court granted the Bank&#8217;s motion to dismiss without prejudice. On August 7, 2018, the Illinois Attorney General filed a First Amended Complaint and, on October 9, 2018, the Bank again moved to dismiss the action based on grounds similar to those raised in its March 20, 2017 motion. The Illinois Attorney General filed its response on November 21, 2018, and the Bank filed its reply on December 10, 2018. Oral argument on the motion took place on January 9, 2019. The Court took the motion under advisement, and a hearing took place on December 7, 2021. On December 16, 2021, the Court entered an Order granting the Bank&#8217;s Motion to Dismiss the First Amended Complaint, thereby dismissing the Bank from the action with prejudice. </span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 13, 2022, Navient announced agreements with a total of forty state attorneys general to resolve their previously disclosed multistate litigation and investigation matters, including but not limited to four lawsuits (brought by the attorneys general for the states of California, Washington, Pennsylvania, and New Jersey) arising out of the Multi-State Investigation. Neither SLM, the Bank, nor any of their current subsidiaries are named in, or otherwise a party to, the California, Washington, Pennsylvania, or New Jersey lawsuits, and no claims are asserted against them. The Company and the Bank are not parties to the Navient settlement and are not contributing any of the relief sought in the settlement. Further, the consent judgments between Navient and the various states contain releases of claims as to pre-Spin-Off SLM (including the Bank and other consolidated subsidiaries) for conduct occurring on or before the date of the Spin-Off.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Separation and Distribution Agreement, and as contemplated by the structure of the Spin-Off, Navient is legally obligated to indemnify the Bank against all claims, actions, damages, losses, or expenses that may arise from the conduct of all activities of pre-Spin-Off SLM occurring prior to the Spin-Off, except for certain liabilities related to the conduct of the pre-Spin-Off consumer banking business that were specifically assumed by the Bank (and as to which the Bank is obligated to indemnify Navient). Navient has acknowledged its indemnification obligations under the Separation and Distribution Agreement, in connection with the Multi-State Investigation and the related lawsuits in which the Bank has been named as a party. Navient has informed the Bank, however, that it believes that the Bank may be responsible to indemnify Navient against certain potential liabilities arising from the above-described lawsuits under the Separation and Distribution Agreement and/or a </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">15</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">separate loan servicing agreement between the parties, and has suggested that the parties defer further discussion regarding indemnification obligations, and reimbursement of ongoing legal costs, in connection with the lawsuits. The Bank disagrees with Navient&#8217;s position and the Bank has reiterated to Navient that Navient is responsible for promptly indemnifying the Bank against all liabilities arising out of the conduct of pre-Spin-Off SLM that are at issue in the Multi-State Investigation and in the above-described lawsuits.</span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Standards for Safety and Soundness</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Federal Deposit Insurance Act requires the federal banking regulatory agencies such as the FDIC to prescribe, by regulation or guidance, operational and managerial standards for all insured depository institutions, such as the Bank, relating to internal controls, information systems and audit systems, loan documentation, credit underwriting, interest rate risk exposure, and asset quality. The agencies also must prescribe standards for earnings and stock valuation, as well as standards for compensation, fees, and benefits. The federal banking regulators have implemented these required standards through regulations and interagency guidance designed to identify and address problems at insured depository institutions before capital becomes impaired. Under the regulations, if a regulator determines a bank fails to meet any prescribed standards, the regulator may require the bank to submit an acceptable plan to achieve compliance, consistent with deadlines for the submission and review of such safety and soundness compliance plans.</span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Dividends and Share Repurchase Programs</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank&#8217;s ability to pay dividends is subject to the laws of Utah and the regulations of the FDIC. Generally, under Utah&#8217;s industrial bank laws and regulations as well as FDIC regulations, the Bank may pay dividends to the Company from its net profits without regulatory approval if, following the payment of the dividend, the Bank&#8217;s capital and surplus would not be impaired. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company pays quarterly cash dividends on its outstanding Floating-Rate Non-Cumulative Preferred Stock, Series B (the &#8220;Series B Preferred Stock&#8221;) when, as, and if declared by its Board of Directors, in the Board&#8217;s discretion. In January 2019, the Company initiated a new policy to pay a regular, quarterly cash dividend on its common stock as well, beginning in the first quarter of 2019, and its Board of Directors approved a common stock share repurchase program. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Common stock dividend declarations are subject to determination by, and the discretion of, the Company&#8217;s Board of Directors. The Company may change its common stock dividend policy at any time.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The January 23, 2019 share repurchase program (the &#8220;2019 Share Repurchase Program&#8221;), which was effective upon announcement and expired on January 22, 2021, permitted the Company to repurchase from time to time shares of its common stock up to an aggregate repurchase price not to exceed $200 million. We have utilized all capacity under the 2019 Share Repurchase Program, having repurchased 17 million shares of common stock for $167 million for the year ended December 31, 2019 and 3 million shares of common stock for $33 million in the year ended December 31, 2020. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The January 22, 2020 share repurchase program (the &#8220;2020 Share Repurchase Program&#8221;), which was effective upon announcement and expired on January 21, 2022, permitted the Company to repurchase shares of its common stock from time to time up to an aggregate repurchase price not to exceed $600 million.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the authority of the 2020 Share Repurchase Program, on March 10, 2020, we entered into an accelerated share repurchase agreement (&#8220;ASR&#8221;) with a third-party financial institution under which we paid $525&#160;million for an upfront delivery of our common stock and a forward agreement. On March 11, 2020, the third-party financial institution delivered to us approximately 44.9&#160;million shares. The final total actual number of shares of common stock delivered to us pursuant to the forward agreement was based upon the Rule 10b-18 volume-weighted average price at which the shares of our common stock traded during the regular trading sessions on the NASDAQ Global Select Market during the term of the ASR. The transactions were accounted for as equity transactions and were included in treasury stock when the shares were received, at which time there was an immediate reduction in the weighted average common shares calculation for basic and diluted earnings per share. On January 26, 2021, we completed the ASR and upon final settlement on January 28, 2021, we received an additional 13&#160;million shares. In total, we repurchased 58&#160;million shares under the ASR at an average price per share of $9.01. For additional information, see Notes to Consolidated Financial Statements, Note 13, &#8220;Stockholders&#8217; Equity.&#8221; </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">16   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the 2020 Share Repurchase Program, we repurchased an additional 4&#160;million shares of common stock for $75&#160;million in the three months ended March 31, 2021. We have now utilized all capacity under the 2020 Share Repurchase Program. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In October 2020, we initiated a cash tender offer to purchase up to 2,000,000 shares of our Series B Preferred Stock. On November 30, 2020, we accepted for purchase 1,489,304 shares of the Series B Preferred Stock at a purchase price of $45 per share plus an amount equal to accrued and unpaid dividends, for an aggregate purchase price of approximately $68&#160;million. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 27, 2021, the Company announced another share repurchase program (the &#8220;2021 Share Repurchase Program&#8221;), which was effective upon announcement and expires on January 26, 2023, and originally permitted the Company to repurchase shares of its common stock from time to time up to an aggregate repurchase price not to exceed $1.25 billion. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 2, 2021, under the auspices of the 2021 Share Repurchase Program, we announced the commencement of a &#8220;modified Dutch Auction&#8221; tender offer (the &#8220;Tender Offer&#8221;) to purchase up to $1&#160;billion in aggregate purchase price of our outstanding shares of common stock, par value $0.20 per share. Pursuant to the Tender Offer, we repurchased 28.5&#160;million shares at a price of $16.50 per share. The purchase of shares settled on March 16, 2021, for an aggregate cost of approximately $472&#160;million, including fees and expenses related to the Tender Offer. We cancelled the 28.5&#160;million shares purchased in connection with the Tender Offer. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On October 20, 2021, we announced a $250 million increase in the amount of common stock that may be repurchased under our 2021 Share Repurchase Program, which expires on January 26, 2023. This is in addition to the original $1.25 billion of authorization announced on January 27, 2021, for a total 2021 Share Repurchase Program authorization of $1.5 billion. Of the total $1.5 billion 2021 Share Repurchase Program authorization, we repurchased 81.1 million shares of common stock at an average price per share of $18.07, for $1.46 billion in the year ended December 31, 2021. (Those amounts include the shares repurchased under the Tender Offer described above.) There was $38 million of capacity remaining under the 2021 Share Repurchase Program at December 31, 2021. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 26, 2022, we announced a new share repurchase program (the &#8220;2022 Share Repurchase Program&#8221;), which was effective upon announcement and expires on January 25, 2024, and permits us to repurchase shares of our common stock from time to time up to an aggregate repurchase price not to exceed $1.25&#160;billion.    </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">So long as there is unexpired capacity under a given repurchase program, repurchases under the programs may occur from time to time and through a variety of methods, including tender offers, open market repurchases, repurchases effected through Rule 10b5-1 trading plans, negotiated block purchases, accelerated share repurchase programs, or other similar transactions. The timing and volume of any repurchases under the 2021 Share Repurchase Program and the 2022 Share Repurchase Program will be subject to market conditions, and there can be no guarantee that the Company will repurchase up to the limit of the programs or at all. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We expect that the Bank will pay dividends to the Company as may be necessary to enable the Company to pay any declared dividends on its Series B Preferred Stock and common stock and to consummate any common share repurchases by the Company under the share repurchase programs. The Bank declared $1.4&#160;billion, $579&#160;million, and $254 million in dividends for the years ended December 31, 2021, 2020, and 2019, respectively, with the proceeds primarily used to fund the 2021, 2020, and 2019 Share Repurchase Programs and stock dividends. </span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Regulatory Capital Requirements</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is subject to various regulatory capital requirements administered by the FDIC and the UDFI. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a material adverse effect on our business, results of operations, and financial position. Under the FDIC&#8217;s regulations implementing the Basel III capital framework (&#8220;U.S. Basel III&#8221;) and the regulatory framework for prompt corrective action, the Bank must meet specific capital standards that involve quantitative measures of its assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank&#8217;s capital amounts and its classification under the prompt corrective action framework are also subject to qualitative judgments by the regulators about components of capital, risk weightings, and other factors.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">17</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is subject to the following minimum capital ratios under U.S. Basel III: a Common Equity Tier 1 risk-based capital ratio of 4.5 percent, a Tier 1 risk-based capital ratio of 6.0 percent, a Total risk-based capital ratio of 8.0 percent, and a Tier 1 leverage ratio of 4.0 percent. In addition, the Bank is subject to a Common Equity Tier 1 capital conservation buffer of greater than 2.5 percent. Failure to maintain the buffer will result in restrictions on the Bank&#8217;s ability to make capital distributions, including the payment of dividends, and to pay discretionary bonuses to executive officers. Including the buffer, the Bank is required to maintain the following capital ratios under U.S. Basel III in order to avoid such restrictions: a Common Equity Tier 1 risk-based capital ratio of greater than 7.0 percent, a Tier 1 risk-based capital ratio of greater than 8.5 percent and a Total risk-based capital ratio of greater than 10.5 percent.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To qualify as &#8220;well capitalized&#8221; under the prompt corrective action framework for insured depository institutions, the Bank must maintain a Common Equity Tier 1 risk-based capital ratio of at least 6.5 percent, a Tier 1 risk-based capital ratio of at least 8.0 percent, a Total risk-based capital ratio of at least 10.0 percent, and a Tier 1 leverage ratio of at least 5.0 percent.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopt</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">CECL (as hereinafter defined) during the 2020 calendar year, including the Bank, may elect to delay for two years, and then phase in over the following three years, the effects on regulatory capital of CECL relative to the incurred loss methodology. The Bank has elected to use this option. Therefore, the regulatory capital impact of the Bank&#8217;s transition adjustments recorded on January 1, 2020 from the adoption of CECL, and 25 percent of the ongoing impact of CECL on the Bank&#8217;s allowance for credit losses, retained earnings, and average total consolidated assets, each as reported for regulatory capital purposes (collectively, the &#8220;adjusted transition amounts&#8221;), were deferred for the two-year period ending January 1, 2022. From January 1, 2022 to January 1, 2025, the adjusted transition amounts will be phased in for regulatory capital purposes at a rate of 25 percent per year, with the phased-in amounts included in regulatory capital at the beginning of each year. The Bank&#8217;s January 1, 2020 CECL transition amounts increased our allowance for credit losses by $1.1&#160;billion, increased the liability representing our off-balance sheet exposure for unfunded commitments by $116&#160;million, and increased our deferred tax asset by $306&#160;million, resulting in a cumulative effect adjustment that reduced retained earnings by $953&#160;million. This transition adjustment was inclusive of qualitative adjustments incorporated into our CECL allowance as necessary, to address any limitations in the models used. At December 31, 2021, the adjusted amount of the transition adjustment to be phased-in, in equal amounts on January 1 of each year beginning January 1, 2022 through January 1, 2025, totaled $836 million. </span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Stress Testing Requirements</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Dodd-Frank Act as enacted imposed stress testing requirements on banking organizations with total consolidated assets, averaged over the four most recent consecutive quarters, of more than $10 billion. The Bank completed its third annual stress test (using the scenarios provided by the FDIC) with the January 1, 2018 stress testing cycle. As a result of the passage of the Economic Growth, Regulatory Relief, and Consumer Protection Act, signed into law on May 24, 2018, the Bank became exempt from formally filing and publishing the results. However, under regulatory guidance, the Bank still conducts annual capital stress tests, the results of which it presents to its prudential regulators - the FDIC and the UDFI - for their review. The Bank also conducts quarterly liquidity stress tests to evaluate the adequacy of its liquidity sources under various stress scenarios and provides the results to its Board of Directors. These results are submitted to the Bank&#8217;s prudential regulators at their request. </span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Deposit Insurance and Assessments</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Deposits at the Bank are insured up to the applicable legal limits by the FDIC-administered Deposit Insurance Fund (the &#8220;DIF&#8221;), which is funded primarily by quarterly assessments on insured banks. An insured bank&#8217;s assessment is calculated by multiplying its assessment rate by its assessment base. A bank&#8217;s assessment base and assessment rate are determined each quarter. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank&#8217;s insurance assessment base currently is its average consolidated total assets minus its average tangible equity during the assessment period. The Bank&#8217;s assessment rate is determined by the FDIC using a number of factors, including the results of supervisory evaluations, the Bank&#8217;s capital ratios and its financial condition, as well as the risk posed by the Bank to the DIF. Assessment rates for insured banks also are subject to adjustment depending on a number of factors, including significant holdings of brokered deposits in certain instances and the issuance or holding of certain types of debt.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">18   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Deposits</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With respect to brokered deposits, an insured depository institution must be well capitalized under the prompt corrective action framework in order to accept, renew, or roll over such deposits without FDIC clearance. An adequately capitalized insured depository institution must obtain a waiver from the FDIC to accept, renew, or roll over brokered deposits. Undercapitalized insured depository institutions generally may not accept, renew, or roll over brokered deposits. For more information on the Bank&#8217;s deposits, see Part II, Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8212; Key Financial Measures &#8212; Funding Sources.&#8221;</span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Regulatory Examinations</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank currently undergoes regular on-site examinations by the Bank&#8217;s regulators, who examine for adherence to a range of legal and regulatory compliance responsibilities. A regulator conducting an examination has unfettered access to the books and records of the examined institution. The results of the examination are confidential. The cost of examinations may be assessed against the examined institution as the agency deems necessary or appropriate. </span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Source of Strength</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the Dodd-Frank Act, we are required to serve as a source of financial strength to the Bank and to commit resources to support the Bank in circumstances when we might not do so absent the statutory requirement. Any loan by us to the Bank would be subordinate in right of payment to depositors and to certain other indebtedness of the Bank.</span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Community Reinvestment Act</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Community Reinvestment Act (the &#8220;CRA&#8221;) requires the FDIC to evaluate the record of the Bank in meeting the credit needs of its local community, including low- and moderate-income neighborhoods. These evaluations are considered in evaluating mergers, acquisitions, and applications to open a branch or facility. Failure to adequately meet these criteria could result in additional requirements and limitations on the Bank. The Bank has received a CRA rating of Outstanding. </span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Privacy Laws</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The federal banking regulators, as required by the Gramm-Leach-Bliley Act (&#8220;GLBA&#8221;), have adopted regulations that limit the ability of banks and other financial institutions to disclose nonpublic information about consumers to nonaffiliated third-parties. Financial institutions are required to disclose to consumers their policies for collecting and protecting confidential customer information. Customers generally may prevent financial institutions from sharing nonpublic personal financial information with nonaffiliated third-parties, with some exceptions, such as the processing of transactions requested by the consumer. Financial institutions generally may not disclose certain consumer or account information to any nonaffiliated third-party for use in telemarketing, direct mail marketing, or other marketing. The privacy regulations also restrict information sharing among affiliates for marketing purposes and govern the use and provision of information to consumer reporting agencies. Federal and state banking agencies have prescribed standards for maintaining the security and confidentiality of consumer information, and the Bank is subject to such standards, as well as certain federal and state laws or standards for notifying consumers in the event of a security breach. In addition, we must comply with increasingly complex and rigorous data privacy and data security laws and regulatory standards enacted to protect business and personal data. These laws impose additional obligations on companies regarding the handling of personal data and provide certain individual privacy rights to persons whose data is stored. Any failure to comply with these laws and regulatory standards could subject us to legal and reputational risk. For example, California passed the California Consumer Privacy Act (the &#8220;CCPA&#8221;), which became effective on January 1, 2020, and applies to for-profit businesses that conduct business in California and meet certain revenue or data collection thresholds. The CCPA contains several exemptions, including an exemption applicable to information that is collected, processed, sold, or disclosed pursuant to the GLBA. However, the definition of personal information is expanded under the CCPA to apply to certain data beyond the scope of the GLBA exemption. Misuse of or failure to secure certain personal information could result in violation of data privacy laws and regulations, proceedings against the Company by governmental entities or others, damage to our reputation and credibility, and could negatively affect our business, financial condition, and results of operations. If other states in the U.S. adopt similar laws or if a comprehensive federal data privacy law is enacted, we may expend considerable additional resources to meet these requirements and the overall risk to the Company could incrementally increase depending upon the reach and application of any such laws.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">19</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">State Regulation of Student Loan Servicers</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In certain states, laws regulating the conduct of student loan servicers may apply to and impact the servicing practices of the Bank. While these state laws vary in content, they generally include components relating to licensure and oversight by state authorities and the creation of specialized student loan ombudsman offices to oversee the student loan industry operating within these states. These laws may also include requirements pertaining to payment processing, customer communications, the handling of customer inquiries and complaints, information concerning loan repayment options, and access to borrower account records, among other requirements. Notably, these laws often include provisions for enforcement of alleged violations by state regulators as well as private litigation by aggrieved consumers.  </span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other Sources of Regulation</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Many other aspects of our businesses are subject to federal and state regulation and administrative oversight. Some of the most significant of these are described below.</span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Oversight of Derivatives</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Title VII of the Dodd-Frank Act requires all standardized derivatives, including most interest rate swaps, to be submitted for clearing to central intermediaries to reduce counterparty risk. Two of the central intermediaries we use are the Chicago Mercantile Exchange (the &#8220;CME&#8221;) and the London Clearing House (the &#8220;LCH&#8221;). All variation margin payments on derivatives cleared through the CME and LCH are required to be accounted for as legal settlement. As of December&#160;31, 2021, $5.2 billion notional of our derivative contracts were cleared on the CME and $0.3 billion were cleared on the LCH. The derivative contracts cleared through the CME and the LCH represent 94.4&#160;percent and 5.6 percent, respectively, of our total notional derivative contracts of $5.5 billion at December&#160;31, 2021. Our exposure is limited to the value of the derivative contracts in a gain position less any collateral held and plus any collateral posted. When there is a net negative exposure, we consider our exposure to the counterparty to be zero. </span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Credit Risk Retention</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Dodd-Frank risk retention rules generally require sponsors of ABS, such as Sallie Mae, to retain an economic interest in an ABS transaction that represents at least five percent of the credit risk of the assets being securitized. We early adopted the Dodd-Frank risk retention rules beginning with our 2016-A securitization transaction completed in May 2016. For our 2016-A transaction and subsequent securitizations that are treated as on-balance sheet, we comply with the Dodd-Frank risk retention rules by retaining (for a requisite period of time) an &#8220;eligible horizontal residual interest&#8221; comprised of residual certificates representing at least five percent of the fair value of all ABS interests issued in the securitization transaction, determined as of the date of transfer. With any securitizations, including any loan sale transactions structured as securitizations, that are treated as off-balance sheet, we comply with the Dodd-Frank risk retention rules by retaining (for a requisite period) an &#8220;eligible vertical interest&#8221; comprised of a five percent interest in each class of ABS interests issued in any such transaction or a single interest entitling the holder to five percent of any amounts payable by the trustee in respect of each interest issued by the issuing trust. </span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Anti-Money Laundering, the USA PATRIOT Act, and U.S. Economic Sanctions</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The USA PATRIOT Act of 2001 (the &#8220;USA Patriot Act&#8221;), which amended the Bank Secrecy Act, substantially broadened the scope of United States anti-money laundering laws and regulations by imposing significant new compliance and due diligence obligations, creating new crimes and penalties, and expanding the extra-territorial jurisdiction of the United States. The U.S. Treasury Department has issued and, in some cases, proposed a number of regulations that apply various requirements of the USA Patriot Act to financial institutions such as the Bank. These regulations impose obligations on financial institutions to maintain appropriate internal policies, procedures, and controls to detect, prevent, and report money laundering and terrorist financing and to verify the identity of their customers. In addition, U.S. law generally prohibits or substantially restricts U.S. persons from doing business with countries designated by the U.S. Department of State as state sponsors of terrorism. Under U.S. law, there are similar prohibitions or restrictions with countries subject to other U.S. economic sanctions administered by the U.S. Department of the Treasury&#8217;s Office of Foreign Assets Control or other agencies. We maintain policies and procedures designed to ensure compliance with relevant U.S. laws and regulations applicable to U.S. persons.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">20   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Volcker Rule</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In December 2013, the U.S. banking agencies, the SEC, and the U.S. Commodity Futures Trading Commission issued final rules to implement the &#8220;Volcker Rule&#8221; provisions of the Dodd-Frank Act. The rules prohibit insured depository institutions and their affiliates from engaging in proprietary trading and from investing in, sponsoring, or having certain financial relationships with, certain private funds.&#160; These prohibitions are subject to a number of important exclusions and exemptions that, for example, permit insured depository institutions and their affiliates to trade for risk-mitigating hedging and liquidity management, subject to certain conditions and restrictions. The Volcker Rule does not have a meaningful effect on our current operations or those of our subsidiaries, as we do not materially engage in the businesses prohibited by the Volcker Rule.</span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Human Capital Resources and Talent Development</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We believe in a just and inclusive, values-based, mission-led culture that inspires commitment and drives performance. Our human capital strategy is focused on the attraction, development, empowerment, recognition, and rewarding of team members as they bring our mission to life.  </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We strive to create a diverse culture of inclusion &#8212; an environment that encourages and reinforces mutual trust, makes it safe to express thoughts, ideas and concerns, and connects and embraces diverse backgrounds and perspectives to power and fuel our mission. We believe that a diverse and inclusive workforce can lead to a more effective company.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are focused on providing a total compensation package that enables us to attract, motivate, and retain our employees to help drive our business forward. Our benefits package includes Company contributions to the 401(k), educational assistance to our team members and their dependents, flexible work arrangements, and other comprehensive health and welfare programs. We also believe in paying competitive market wages, which is why we established $20/hour as our new starting rate for all positions in 2021.   </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021, we had approximately 1,450 team members, all located in the United States.  We believe an engaged workforce leads to a more innovative, productive, and profitable company. For this reason, we measure employee engagement through culture surveys. These culture surveys provide insights we use to create an environment in which team members thrive and bring their full selves to work.  </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ensuring the safety and well-being of our team members continues to be a priority during the COVID-19 pandemic.  In March 2020, we enacted a robust business continuity plan, including remote working capabilities for all team members. We further adapted to the changing environment in 2021, and now offer remote, in-office, and hybrid options so our team may work in a manner best suited for them and their positions. We continue to provide team members with the tools and resources necessary to support their success and drive performance of the Company.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our team members are involved in the communities in which they live and work through the Sallie Mae Employee Volunteer Program and the Sallie Mae Employee Matching Gift Program. In 2021, our team members donated 1,128 hours through our community engagement programs. We also provide matching gifts for team members to support their interests and needs and those of their communities. </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">21</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div id="i35472170320a48e7aebfc3743129a2e0_22"></div><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 1A. Risk Factors </span></div><div style="margin-top:7.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">SUMMARY OF RISK FACTORS</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Below is a summary of the principal factors that make an investment in our securities risky. This summary does not address all of the risks that we face. Additional discussion of the risks summarized in this risk factor summary, and other risks that we face, can be found below and should be carefully considered, together with other information in this Form 10-K and our other filings with the SEC, before making an investment decision regarding our stock. </span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The pandemic caused by COVID-19 and resulting adverse economic conditions have adversely impacted our business and results and, in the future, could have a more material adverse impact on our business, results of operations, financial condition, and/or cash flows. Any future pandemics could subject our business to the same or greater risks than the COVID-19 pandemic.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our product offerings are primarily concentrated in loan products for higher education and deposit products for online depositors. Such concentrations and the competitive environment for those products subject us to risks that could adversely affect our financial position.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Consumer access to alternative means of financing the costs of education and other factors may reduce demand for, or adversely affect our ability to retain, Private Education Loans, which could have a material adverse effect us. </span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Consolidation or refinancing of existing Private Education Loans could have a material adverse effect on our business, financial condition, results of operations, and/or cash flows.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Defaults on our loans, particularly Private Education Loans, could adversely affect our business, financial position, results of operations, and/or cash flows.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our allowance for credit losses may not be adequate to cover actual losses, which may adversely affect our capital, financial condition, and/or results of operations.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We are subject to the creditworthiness of third-parties other than borrowers and exposure to those third-parties could adversely affect our business, financial condition, results of operations, and/or cash flows. </span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our ability to achieve our business goals will be heavily reliant on our ability to obtain deposits, obtain funding through asset-backed securitizations, and, for at least the next few years, sell loans at attractive prices to help fund any share repurchase programs that may be authorized from time to time. An inability to effectively manage our liquidity could negatively impact our ability to fund our business obligations and opportunities, which could have a material adverse effect on us.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In structuring and facilitating securitizations or sales of Private Education Loans, administering securitization trusts, or servicing loans we have securitized or sold, we may incur liabilities to transaction parties. If those liabilities are significant, they could adversely affect our business and financial condition.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The levels of or changes in interest rates could adversely affect our results of operations, financial condition, regulatory capital, and/or liquidity.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The interest rate and maturity characteristics of our earning assets do not fully match the interest rate and maturity characteristics of our funding arrangements, which may negatively impact the level of our net interest income. We are also subject to repayment and prepayment risks, which can increase uncertainty and adversely affect our business.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our use of derivatives to manage interest rate sensitivity exposes us to credit and market risk that could have a material adverse effect on our earnings.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The transition from LIBOR to alternative reference &#8220;benchmark&#8221; interest rates is uncertain and could adversely affect the value of or the interest rates on our assets and obligations indexed to LIBOR, as well as the revenue and expenses associated with those assets and obligations.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The Bank is subject to various regulatory capital requirements, and failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a material adverse effect on our business, results of operations, and/or financial condition.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">22   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Unfavorable results from the periodic stress scenarios we model under regulatory guidance may adversely affect our business and result in regulatory action that could adversely affect our cost of capital and liquidity position. </span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Changes in accounting standards, or incorrect estimates and assumptions by management in connection with the preparation of our consolidated financial statements, could adversely affect our capital levels, results of operation, and/or financial condition.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We operate in a highly regulated environment and the laws and regulations that govern our operations, or changes in these laws and regulations, or our failure to comply with them, may adversely affect us.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Failure to comply with consumer protection, privacy, data protection, or cybersecurity laws and requirements could subject us to civil and criminal penalties or litigation, including class actions, and have a material adverse effect on our business.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our framework for managing risks, including model risk and data governance risk, may not be effective in mitigating our risk of loss and, if the framework is ineffective, could have a material adverse effect on us and our business.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Proposals of federal and state governments, or of various political candidates, affecting the student loan industry in particular, such as proposals for new federal education spending designed to make higher education &#8220;free&#8221; or substantially so regardless of financial need, subject us to political risk and could have a material adverse impact on us.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We are subject to reputational risk, which could damage our brand and have a material adverse impact on our business, results of operations, financial condition, and/or cash flows.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Failure or significant interruption of our operating systems or infrastructure or the inability to adapt to changes could disrupt our business, cause significant losses, result in regulatory action or litigation, or damage our reputation.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We could lose market share if we are not able to keep pace with rapid changes in technology.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We depend on secure information technology and a breach of those systems or those of third-party vendors could materially adversely affect our business, financial condition, and/or results of operations and could lead to significant financial, legal, and reputational exposure.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We depend significantly on third-parties for a wide array of our operations and customer services and key components of our information technology infrastructure, and a breach of security or service levels, or violation of law by one of these third-parties, could disrupt our business.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We primarily rely upon Amazon Web Services to deliver our offerings to users on our platform, and any disruption of or interference with our use of Amazon Web Services could adversely impact our business and operations.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We may face risks from our operations related to litigation or regulatory actions that could result in significant legal expenses and settlement or damage awards.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our internal controls over financial reporting and disclosure controls may be ineffective, which could have a material adverse effect on our financial condition and/or results of operations.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our business operations and those of our third-party vendors may be adversely impacted by unpredictable catastrophic events.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our ability to successfully make acquisitions is subject to significant risks.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Because of Navient&#8217;s indemnification obligations, we have significant exposures to risks related to its creditworthiness. </span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The holders of our preferred stock have rights that are senior to those of our common shareholders.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We may be limited in our ability to receive dividends from the Bank, pay dividends on and repurchase our common stock, and make payments on our corporate debt.</span></div><div style="margin-top:3pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our business could be negatively affected if we are unable to attract, retain, and motivate skilled employees.</span></div><div style="margin-top:4.5pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">23</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">RISK FACTORS</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We face many risks and uncertainties, any one or more of which could have a material adverse effect on our business, financial condition (including capital and liquidity), results of operations, cash flows, and/or stock price.  We describe certain of these risk and uncertainties in this section, although we may be adversely affected by other risks or uncertainties that (i) are presently not known to us, (ii) we have failed to identify or appreciate, or (iii) we currently consider immaterial.  These Risk Factors, together with other information in this Form 10-K and our other filings with the SEC, should be carefully considered before making an investment decision regarding our stock.     </span></div><div style="margin-top:10.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%;text-decoration:underline">PANDEMIC RISK</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The pandemic caused by a novel coronavirus, or COVID-19 (&#8220;COVID-19 pandemic&#8221;), and resulting adverse economic conditions have adversely impacted our business and results and, in the future, could have a more material adverse impact on our business, results of operations, financial condition, and/or cash flows. Any future pandemics could subject our business to the same or greater risks than the COVID-19 pandemic.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The COVID-19 pandemic has caused significant disruption to the U.S. and world economies, including the closing of many schools and businesses for extended periods of time, significantly higher unemployment and underemployment at certain times, significantly lower interest rates, volatility in equity market valuations, and extreme volatility in the U.S. and world financial markets. Depending upon the success of the distribution, public acceptance, and administration of COVID-19 vaccines or other therapies both in the U.S. and abroad, the impact of the COVID-19 pandemic on the U.S. economy may be significant during a large part of 2022 and it may materially adversely affect our operations, our regulatory capital and liquidity position, the credit performance of our Private Education Loans and other assets, the number of borrowers seeking payment relief, our results of operations and financial condition, and/or our cash flows. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As described in Part II, Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8212; Impact of COVID-19 on Sallie Mae &#8212; Customers and Credit Performance,&#8221; in this annual report on Form 10-K, during 2021 some of our borrowers experienced higher levels of financial hardship, which could lead to increased levels of delinquencies and defaults for those borrowers in the future. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, our employees may have to continue to work from home for portions of 2022. Unanticipated issues arising from handling personal, confidential, and other information from a less efficient work-from-home environment could adversely impact our operations and lead to greater risk for us. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The extent to which the COVID-19 pandemic impacts our business, results of operations, financial condition, and/or cash flows will depend on future developments, which are highly uncertain and largely beyond our control, including the impact of the pandemic on colleges and universities, student enrollment, and the need for Private Education Loans, and any actions taken by governmental authorities. There can be no assurance that colleges and universities will return to normal pre-pandemic operations, which could adversely affect enrollments and, consequently, the need for Private Education Loans. In addition, the impact of the COVID-19 pandemic on our business, results of operations, financial condition, and/or cash flows will depend upon, among other factors: the scope and duration of the pandemic; the number of our employees, customers, and vendors adversely affected by the pandemic; the broader public health and economic dislocations resulting from the pandemic; the actions taken by governmental authorities to limit the public health, financial, and economic impacts of the COVID-19 pandemic; any legislative or regulatory changes that suspend or reduce payments or cancel or discharge obligations for education loan borrowers; any reputational damage related to the broader reception and perception of our response to the COVID-19 pandemic; and the impact of the COVID-19 pandemic on local, U.S., and world economies. In particular, any cessation by the federal government in 2022 or afterwards of its payment suspension program for borrowers of federal student loans could have a material adverse impact on our business, results of operations, financial condition, and/or cash flows if borrowers have insufficient funds to make payments on both their federal student loans and our Private Education Loans. Moreover, we expect that effects of the COVID-19 pandemic will heighten many of the other known risks to our business described below in this Item 1A, and the impact of COVID-19 on our business could be material and adverse. Any additional COVID-19 outbreaks, spikes, and subsequent waves, new COVID-19 strains, and/or widespread ineffectiveness of the COVID-19 vaccines could have material and adverse impacts on our business.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, any future pandemic could subject our business to the same or greater risks than the COVID-19 pandemic.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">24   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:7.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:232%;text-decoration:underline">CONCENTRATION RISK</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our product offerings are primarily concentrated in loan products for higher education and deposit products for online depositors. Such concentrations and the competitive environment for those products subject us to risks that could adversely affect our financial position.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December 31, 2021, approximately 67 percent of our total assets, and 79 percent of our total assets excluding cash and cash equivalents, were comprised of Private Education Loans. This concentration poses the risk that any disruption, dislocation, or other negative event or trend in the Private Education Loan market or the overall economic environment could disproportionately and adversely affect our business, financial condition, and results of operations.  We compete in the Private Education Loan market with banks and other consumer lending institutions, many with strong consumer brand name recognition and greater financial resources.  Many of those lenders also have a greater level of diversification in their mix of assets, which can enable them to be more competitive in uncertain or challenging economic times. Moreover, our competition will increase as various lending institutions and other competitors, including Navient, through its Earnest subsidiary, enter or re-enter the Private Education Loan market. We also compete with FinTech companies (as defined below), many of whom have lower return hurdles than more traditional consumer lending institutions. We compete based on our brand products, origination capability, and customer service. To the extent our competitors compete more aggressively or effectively, we could lose market share to them or subject our existing loans to consolidation or refinancing risk.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to competition with banks and other consumer lending institutions, the federal government, through the Federal Direct Student Loan Program (the &#8220;DSLP&#8221;), poses significant competition to our Private Education Loan products. The availability and terms of loans the government originates or guarantees affect the demand for Private Education Loans because students and their families often rely on Private Education Loans to bridge the gap between available funds, including family savings, scholarships, grants, and federal and state loans, and the costs of post-secondary education. The federal government currently places both annual and aggregate limits on the amount of federal loans any student can receive and determines the criteria for student eligibility. Parents and graduate students may obtain additional federal education loans through other programs. These federal education lending programs are generally adjusted in connection with funding authorizations from the U.S. Congress for programs under the Higher Education Act of 1965 (the &#8220;HEA&#8221;). The HEA&#8217;s reauthorization is currently pending in the U.S. Congress. Reauthorization, as well as measures to provide relief for COVID-19, could provide a legislative vehicle for changes to student loan programs.  Possible components that could impact the Private Education Loan market are changes to federal education loan limits, private loan refinancing programs, or Private Education Loan forgiveness.  Other components of any legislation also could have a negative impact on our business and financial condition. See &#8220;&#8212; </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">POLITICAL/REPUTATIONAL RISK.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Competition also plays a significant role in our online deposit gathering activities. The market for online deposits is highly competitive, based primarily on a combination of reputation and rate. Increased competition for deposits could cause our cost of funds to increase, which could negatively impact our loan pricing and net interest margin. See also &#8220;- LIQUIDITY RISK.&#8221;</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:115%">Consumer access to alternative means of financing the costs of education and other factors may reduce demand for, or adversely affect our ability to retain, Private Education Loans, which could have a material adverse effect on our business, financial condition, results of operations, and/or cash flows.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The demand for Private Education Loans could weaken if families and student borrowers use other vehicles to bridge the gap between available funds and costs of post-secondary education. These vehicles include, among others:</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Home equity loans or other borrowings available to families to finance their education costs;</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Pre-paid tuition plans, which allow students to pay tuition at today&#8217;s rates to cover tuition costs in the future;</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Section&#160;529 plans, which include both pre-paid tuition plans and college savings plans that allow a family to save funds on a tax-advantaged basis;</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Education IRAs, now known as Coverdell Education Savings Accounts, under which a holder can make annual contributions for education savings;</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Government education loan programs such as the DSLP; and</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Direct loans from colleges and universities, as well as income sharing agreements offered by schools and facilitated by private companies.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">25</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, our ability to grow Private Education Loan originations and retain assets at our planned levels could be negatively affected if:</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">demographic trends in the United States result in a decrease in college-age individuals; </span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">demand for higher education decreases;</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the cost of attendance of higher education decreases;</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">consumers increase their targeted savings for higher education; </span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">prepayment rates on our Private Education Loans increase or accelerate due to greater market liquidity, availability of alternative means of financing, improved household incomes, increasing consumer confidence, and/or various other factors; </span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">there is broader public resistance to increasing higher education costs; or </span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">proposals for new federal and state education spending described below in &#8220;Political/Reputational Risk&#8221; gain broader appeal or momentum. </span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Consolidation or refinancing of existing Private Education Loans could have a material adverse effect on our business, financial condition, results of operations, and/or cash flows.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We believe the design of our Private Education Loan products, with emphasis on rigorous underwriting, credit-worthy cosigners and variable or fixed interest rates, creates sustainable, competitive loan products. However, increasing amounts of private education consolidation loans at interest rates below those of our existing portfolio - whether from private sources (including financial technology (&#8220;FinTech&#8221;) companies) or otherwise - can contribute to an increase in the prepayment rates of our existing Private Education Loans and, if prolonged and continuous, could have a material adverse effect on our business, financial condition, results of operations, and/or cash flows.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Since 2010, there have been a number of bills introduced in the United States Congress to promote federal financing for consolidation or refinancing of existing student loans, as well as an increase in the number of lenders offering consolidation or refinancing products. Also, on July 31, 2018, the Office of the Comptroller of the Currency (the &#8220;OCC&#8221;) issued a policy statement announcing that it would consider applications from FinTech companies to become special purpose national banks. The OCC indicated the special purpose national bank charter would be available to qualifying companies engaged in a limited range of banking activities, including paying checks or lending money, but that do not take deposits. Although litigation ensued, and may continue, regarding the OCC&#8217;s ability to grant special purpose bank charters, receipt by any FinTech companies of a special purpose bank charter could lead to an increase in the consolidation or refinancing of our Private Education Loans.     </span></div><div style="margin-top:7.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">CREDIT RISK</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Defaults on our loans, particularly Private Education Loans, could adversely affect our business, financial position, results of operations, and/or cash flows.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We bear the full credit exposure on our Private Education Loans and Credit Card loans, which are unsecured loans. If they were to default at rates much higher than anticipated or at speeds faster than anticipated, our business, financial position, results of operations, and/or cash flows could be adversely affected. Delinquencies are an important indicator of the potential future credit performance of our loan portfolios. Many factors can have an impact on borrower delinquencies, including, without limitation, economic conditions, changes in interest rates, personal circumstances and hardships, risk characteristics such as school type, loan status, loan seasoning, underwriting criteria, presence of a cosigner, changes made in credit administration practices from time to time, changes in loan underwriting criteria made from time to time, regulatory and operational changes, and unforeseen trends. Rising unemployment rates and the failure of our in-school borrowers to graduate are two of the most significant macroeconomic factors that could increase loan delinquencies, defaults, and loan modifications, or otherwise negatively affect performance of our existing education loan portfolios. Likewise, high unemployment may impede Private Education Loan originations growth, as loan applicants and cosigners may experience trouble repaying credit obligations or may not meet our credit standards. Additionally, if interest rates rise causing payments on variable-rate loans to increase, borrowers and cosigners could experience trouble repaying loans we have made to them.  See Part II, Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8212; Financial Condition &#8212; Allowance for Credit Losses &#8212; Use of Forbearance and Rate Modifications as a Private Education Loan Collection Tool&#8221; for a discussion of how items such as changes in credit administration practices can impact the timing and level of delinquencies and defaults on our loans. As part of our underwriting process, we rely heavily upon information supplied by applicants and third parties. If any of this information is intentionally or negligently misrepresented and is not detected by us before completing the transaction, we may experience increased credit risk. Higher credit-related losses and weaker credit quality negatively affect our </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">26   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">business, financial condition, and results of operations and limit funding options, which could also adversely impact our liquidity position. Our Private Education Loan delinquencies (loans greater than 30 days past due), as a percentage of Private Education Loans in repayment, were 3.3 percent at December 31, 2021.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our allowance for credit losses may not be adequate to cover actual losses, and we may be required to materially increase our allowance, which may adversely affect our capital, financial condition, and/or results of operations.</span></div><div style="margin-top:4.5pt;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In June 2016, the Financial Accounting Standards Board (&#8220;FASB&#8221;) issued Accounting Standards Update (&#8220;ASU&#8221;) No. 2016-13, &#8220;Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments,&#8221; which became effective for us on January 1, 2020. Under the guidance, for all loans carried at amortized cost, upon loan origination we are required to measure our allowance for credit losses based on our estimate of all current expected credit losses (&#8220;CECL&#8221;) over the remaining contractual term of the assets. The CECL standard resulted in a significant change in how we recognize credit losses and will have a material impact on our financial condition, results of operations, and capital levels. The evaluation of our allowance for credit losses is inherently subjective, as it requires material estimates that may be subject to significant changes.  The measurement of expected credit losses is based on historical information, current conditions, and reasonable and supportable forecasts to estimate the expected loss over the life of the loan. This differs significantly from the &#8220;incurred loss&#8221; model, which was in effect during 2019 and delayed recognition until it was probable a loss had been incurred. Our models take into account historical loss experience in various economic conditions to estimate expected future losses based upon future economic forecasts over a period of time (&#8220;reasonable and supportable period&#8221;), at which point we revert expected losses to our historical rates. Future defaults can be higher than anticipated due to a variety of factors outside of our control, and our models may not accurately estimate future loan loss performance. The models used in calculating our CECL estimates include forecasts of future economic conditions, the weighting of economic forecasts, prepayment speeds, and recovery rates. If these forecasts prove to be inaccurate, or our models were not designed properly, our allowance for credit losses may not be sufficient to cover future losses, which could negatively impact our financial condition, results of operations, and capital levels. In addition, the amount of losses recorded under CECL is very sensitive to the inputs described above. As such, changes to these inputs could significantly change the amount of allowance necessary, which could have a negative impact on our financial results and capital levels. Additionally, regulatory agencies may periodically review our allowance for credit losses, including our methodology and models used in calculating the allowance, and could insist on an increase in the allowance or recognition of additional charge-offs based on judgments different than those used by our management. If these differences in judgment are significant, our allowance could increase significantly and result in sizable decreases in our net income and capital. See Part II, Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8212; Critical Accounting Policies and Estimates &#8212; Allowance for Credit Losses&#8221; for further details regarding our allowance for credit losses</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We are subject to the creditworthiness of third-parties other than borrowers and exposure to those third-parties could adversely affect our business, financial condition, results of operations, and/or cash flows. </span></div><div style="margin-top:4.5pt;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are also subject to the creditworthiness of third-parties, including various lending, investment, and derivative counterparties. Our overall counterparty exposure is more fully discussed in Part II, Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8212; Liquidity and Capital Resources &#8212; Counterparty Exposure.&#8221;  If our counterparties are unable to perform their obligations, such inability could have a material adverse impact on our business, financial condition, results of operations, and/or cash flows.</span></div><div style="margin-top:7.5pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">27</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:7.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">LIQUIDITY RISK</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our ability to achieve our business goals will be heavily reliant on our ability to obtain deposits, obtain funding through asset-backed securitizations, and, for at least the next few years, sell loans at attractive prices to help fund any share repurchase programs that may be authorized from time to time. An inability to effectively manage our liquidity could negatively impact our ability to fund our business obligations and opportunities, which could lead to regulatory scrutiny and could have a material adverse effect on our business, financial condition, results of operations, and/or cash flows.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We must effectively manage the liquidity risk inherent in our business. We require liquidity to meet cash requirements for such things as day-to-day operating expenses, funding of our Private Education Loan and Credit Card originations, deposit withdrawals and maturities, payment of any declared dividends on our preferred stock and common stock, and payment for any shares of common stock acquired under any common stock repurchase program or otherwise. Our primary sources of liquidity and funding are customer deposits, payments received on Private Education Loans and FFELP Loans that we hold, and proceeds from loan sales and securitization transactions. We may maintain too much liquidity, which can be costly, or we may be too illiquid, which could result in financial distress during times of economic stress or capital market disruptions.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We fund Private Education Loan originations through asset-backed securitizations and deposits raised by the Bank, including term and liquid brokered and retail deposits, as well as Educational 529 and Health Savings Account deposits. Assets funded through deposits result in refinancing risk because the average term of the deposits is shorter than the expected term of the Private Education Loan assets we originate. The significant competition for deposits from other banking organizations that are also seeking stable deposits to support their funding needs may affect deposit renewal rates, costs, or availability. In addition, our ability to maintain existing balances or obtain additional deposits may be affected by factors, including those beyond our control, such as a rising stock market, more attractive returns on alternative investments, perceptions about our existing and future financial strength, quality of deposit servicing or online banking generally, changes in monetary or fiscal policies that influence deposit or other rates, and general economic conditions, including high unemployment and decreased savings rates. Also, our ability to maintain our current level of deposits or grow our deposit base could be affected by regulatory restrictions, including the possible imposition by our regulators of prior approval requirements or restrictions on our offered rates, brokered deposit growth, or other areas. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our success also depends on our ability to structure Private Education Loan securitizations or execute other secured funding transactions. Several factors may have a material adverse effect on both our ability to obtain such funding and the time it takes us to structure and execute these transactions, including the following:</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Persistent and prolonged disruption or volatility in the capital markets or in the education loan ABS sector specifically;</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Degradation of the credit quality or performance of the Private Education Loans we sell or finance through securitization trusts, or adverse rating agency assumptions, rating actions, or conclusions with respect to those trusts or the education loan-backed securitization trusts sponsored by other issuers;</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">A material breach of our obligations to purchasers of our Private Education Loans, including securitization trusts;</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The timing, pricing, and size of education loan asset-backed securitizations other parties issue, or the adverse performance of, or other problems with, such securitizations;</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Challenges to the enforceability of Private Education Loans based on violations of, or changes to, federal or state consumer protection or licensing laws and related regulations, or imposition of penalties or liabilities on assignees of Private Education Loans for violation of such laws and regulations; and</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our inability to structure and gain market acceptance for new product features or services to meet new demands of ABS investors, rating agencies, or credit facility providers.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If we require funding beyond that which we may be able to obtain through deposits and proceeds from ABS transactions at attractive prices, we may need to raise additional liquidity through other forms of secured and unsecured debt financing, which, in turn, could increase our funding costs and reduce our net interest margin. Future downgrades to our credit ratings also could result in higher funding costs and reduce our net interest margin.  </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our ability to sell loans at attractive prices, as well as the timing and volume of any sales, will be subject to market conditions, and there can be no guarantee that we will be able to effectuate planned loan sales at the prices, times, or volumes we desire, or at all.  If we are unable to effectuate loan sales at the prices, times, and volumes we </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">28   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">desire, we may not be able to fund share repurchase programs that are authorized from time to time or achieve other business goals.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We currently maintain sufficient risk-based capital through adequate retention and reinvestment of earnings from operations. If our business objectives require capital above and beyond what we generate through retained earnings, we may need to raise capital for our business by issuing additional equity to investors. Several factors, some of which may be beyond our control, may have a material adverse effect on our ability to raise funding at any given time through any of the channels described above in this Risk Factor in the amounts, at the rates, or within the timeframes we desire or need.  If this occurs, our business, results of operations, financial position, and/or cash flows could be materially and adversely affected.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">In structuring and facilitating securitizations or sales of Private Education Loans, administering securitization trusts, or servicing loans we have securitized or sold, we may incur liabilities to transaction parties. If those liabilities are significant, they could adversely affect our business, financial condition, results of operations, and/or cash flows.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under applicable state and federal securities laws, if investors incur losses as a result of purchasing ABS issued in connection with our securitization transactions, we could be deemed responsible and could be liable to investors for damages. We could also be liable to investors or other parties for certain updated performance information that we may provide subsequent to the original issuances. If we fail to cause the securitization trusts or other transaction parties to disclose adequately all material information regarding an investment in any securities, if we or the trusts make statements that are misleading in any material respect in information delivered to investors in any securities, if we breach any representations or warranties made in connection with securitization of the loans, or if we breach any other duties as the administrator or servicer of the securitization trusts, it is possible we could be sued and ultimately held liable to an investor or other transaction party.  In transactions involving the sale of loans in non-securitized form where we remain the servicer of the loans, it is possible we could be sued and ultimately held liable to the purchaser of the loans or another transaction party for breaches of representations or warranties or breaches of servicing covenants. </span></div><div style="margin-top:7.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%;text-decoration:underline">INTEREST RATE RISK</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The levels of or changes in interest rates could adversely affect our results of operations, financial condition, regulatory capital, and/or liquidity.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are highly dependent on net interest income, which is the difference between interest income on earning assets (such as loans and investments) and interest expense on deposits and borrowings.  Net interest income is significantly affected by market rates of interest, which in turn are influenced by monetary and fiscal policies of governmental agencies, general economic conditions, the political and regulatory environments, business and consumer sentiment, competitive pressures, and expectations about the future. We may be adversely affected by policies or events that have the effect of flattening or inverting the yield curve (that is, the difference between long-term and short-term interest rates), compressing interest rates on our earnings assets closer to interest rates on our deposits and borrowing, increasing the volatility of market rates of interest, or changing the spreads among different interest rate indices.  Changes in interest rate levels also can lead to other adverse impacts, such as reducing the demand for or increasing the prepayment speeds of our Private Education Loans, increasing the delinquencies or defaults of our borrowers or other counterparties, reducing the value of our assets, or increasing our liabilities. The level of and changes in market rates of interest and, as a result, these risks and uncertainties, are beyond our control. </span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The interest rate and maturity characteristics of our earning assets do not fully match the interest rate and maturity characteristics of our funding arrangements, which may negatively impact the level of our net interest income.  We are also subject to repayment and prepayment risks, which can increase uncertainty as we manage our interest rate risk and can adversely affect our business, financial condition, results of operations, and/or cash flows.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income is the primary source of cash flow generated by our loan portfolios. Interest earned on our Private Education Loans and FFELP Loans is either fixed-rate or indexed to a short-term variable rate, and these loans are originated with relatively long repayment periods. ABS funding closely mirrors the expected maturities of our education loans and provides a combination of fixed and variable-rate funding. Deposits are issued with both </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">29</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">fixed and variable rates, and the average term is typically shorter than the expected term of our combined loan portfolios. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The different interest rate and maturity characteristics of our loan portfolio and the liabilities funding that portfolio result in fluctuations in our net interest income. In certain interest rate environments, this mismatch may reduce our net interest margin (the interest yield earned on our portfolio less the rate paid on our interest-bearing liabilities) and net interest income. While we actively monitor and manage mismatches in the interest rate and maturity characteristics of our assets and liabilities, using derivative transactions where necessary to avoid excessive levels of repricing and refunding risk, it is not possible to hedge all of our exposure to such risks. While the assets, liabilities, and related hedging derivative contract re-pricing indices are typically highly correlated, there can be no assurance that the historically high correlation will not be disrupted by capital market dislocations or other factors outside our control. In these circumstances, our earnings could be materially adversely affected.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are also subject to risks associated with changes in repayment and prepayment rates on Private Education Loans, which can increase uncertainty as we manage our interest rate risk. Consolidations and refinancings contribute to increased prepayment rates. In addition, increases in employment levels, wages, family income, alternative sources of financing, and government support for student loan borrowers during times of crisis, such as during the COVID-19 pandemic, may also contribute to higher-than-expected prepayment rates, which can adversely affect our interest rate and repricing risk and our financial condition and results of operations.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our use of derivatives to manage interest rate sensitivity exposes us to credit and market risk that could have a material adverse effect on our earnings.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain an overall interest rate strategy that uses derivatives to reduce the economic effect of interest rate changes. Developing an effective hedging strategy for dealing with movements in interest rates is complex, and no strategy can completely avoid the risks associated with these fluctuations. For example, our education loan portfolios remain subject to prepayment risk that could cause them to be under- or over-hedged, which could result in material losses. In addition, some of our interest rate risk management activities expose us to mark-to-market losses if interest rates move in a materially different way than was expected when we entered into the related derivative contracts. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our use of derivatives also exposes us to market risk and credit risk. Market risk is the chance of financial loss resulting from changes in interest rates and market liquidity.  Some of the interest rate swaps we use to economically hedge interest rate risk between our assets and liabilities do not qualify for hedge accounting treatment. Therefore, the change in fair value, called the &#8220;mark-to-market,&#8221; of the swaps that do not qualify as accounting hedges is included in our statement of income. A decline in the fair value of those derivatives could have a material adverse effect on our reported earnings. Also, see &#8220;&#8212; We are subject to the creditworthiness of third-parties other than borrowers and exposure to those third-parties could adversely affect our business, financial condition, results of operations, and/or cash flows&#8221;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">. </span></div><div style="margin-top:7.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The transition from LIBOR to alternative reference &#8220;benchmark&#8221; interest rates is uncertain and could adversely affect the value of or the interest rates on our assets and obligations indexed to LIBOR, as well as the revenue and expenses associated with those assets and obligations.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The interest rates on our variable-rate Private Education Loans issued before April 1, 2021 and certain other assets are indexed to LIBOR, the London interbank offered rate. Certain of our interest rate swaps, notes issued under our term ABS and our education loan-backed multi-lender secured borrowing facility (the &#8220;Secured Borrowing Facility&#8221;), brokered and non-brokered deposits, and other obligations also are indexed to LIBOR. In each case, the terms of the relevant agreements define LIBOR and provide differing methods for how it may be replaced or computed if LIBOR is no longer available as defined. LIBOR has been used worldwide as a reference for setting interest rates on loans, derivatives, and other assets and obligations. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Following announcements by the United Kingdom&#8217;s Financial Conduct Authority (the &#8220;UKFCA&#8221;), which regulates LIBOR, and ICE Benchmark Administration Limited, the administrator of LIBOR, publication of 1-week and 2-month USD LIBOR and all tenors for other currencies ceased after December 31, 2021.  While publication of the remaining USD settings is expected to cease after June 30, 2023, U.S. banking and other global financial services regulators have directed regulated institutions to cease entering into new LIBOR-based contracts as soon as practicable and in any event by the end of 2021.  The Federal Reserve Bank of New York currently publishes the Secured Overnight Financing Rate (&#8220;SOFR&#8221;) based on overnight U.S. Treasury repurchase agreement transactions, which has been recommended as the alternative to USD LIBOR by the Alternative Reference Rates Committee convened by the Federal Reserve Board and the Federal Reserve Bank of New York.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">30   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The transition from LIBOR to alternative reference &#8220;benchmark&#8221; interest rates is uncertain and will be affected by, among other things, the pace of the transition to such rates, the specific terms and parameters for and acceptance of such rates (including, without limitation, by investors, financial markets, and regulators), market conventions for the use of such rates in connection with a particular product, and prices of and the liquidity of trading markets for products based on such rates.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain of our existing assets and obligations do not include provisions clearly specifying a method for transitioning from LIBOR to an alternative benchmark rate. Given this situation, it is unclear what consents or approvals, if any, will be required to replace LIBOR under our various agreements. As a result of these potential changes and related uncertainties, the interest rates on and value of our assets and obligations indexed to LIBOR, and the revenue and expenses associated with those assets and obligations, could be affected in disparate ways at disparate times, creating basis risk and potential adverse effects on our business and results of operations. Changes to the reference rate used could result in dissatisfied customers, lenders, investors, or counterparties, which could result in reputational damage, litigation, or regulatory scrutiny.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has actively monitored market developments with respect to LIBOR replacement since 2017 and during 2020 launched a formal cross-functional replacement project with the goal of ensuring a smooth transition to a replacement index with minimal negative impact on our customers, investors, and the Company&#8217;s business, financial condition, and results of operations. The Chief Financial Officer and the project team monitor developments, assesses impacts, proposes plans, and, with the approval of an executive committee, implement changes. The project team reports status regularly to our Board of Directors. In 2020, we began accepting certain deposits based on SOFR. In the second quarter of 2021, we began issuing variable-rate Private Education Loans that are indexed to SOFR. In 2022, subject to market conditions and investor demand, we expect to begin issuing ABS that are indexed to SOFR and to renew the Secured Borrowing Facility with an index based on SOFR. We plan to significantly reduce the number of contracts that reference LIBOR, either through modification or replacement, by June 2023. There can be no guarantee our reference rate replacement plan will occur as expected, however, and failure to implement the plan effectively or changes in how LIBOR transition occurs could have a material adverse effect on our business, results of operations, financial position, and/or cash flows. See Part II, Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8212; LIBOR Transition&#8221; for further details.</span></div><div style="margin-top:7.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%;text-decoration:underline">CAPITAL RISK</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Bank is subject to various regulatory capital requirements administered by the FDIC and the UDFI. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a material adverse effect on our business, results of operations, and/or financial condition.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under U.S. Basel III and the regulatory framework for prompt corrective action, the Bank must meet specific capital standards that involve quantitative measures of its assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank&#8217;s capital amounts and its classification under the prompt corrective action framework are also subject to qualitative judgments by the regulators about components of capital, risk weightings, and other factors.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">U.S. Basel III is subject to further revisions and such revisions could affect the Bank&#8217;s capital requirements and adversely affect its business, results of operations, and financial condition. For example, in 2017 the Basel Committee on Banking Supervision published revisions to the international capital standards that it describes as the finalization of the Basel III post-crisis regulatory reforms. Among other things, these revisions would revise the standardized approach for credit risk and provide a new standardized approach for operational risk capital, with an initial implementation date of January 1, 2023 and a phase-in period for certain revisions extending to January 1, 2028. The impact of these revisions on the Bank will depend on how and to what extent they are implemented in the United States.  The federal banking agencies have not yet proposed a rule to implement these revisions in the United States.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If the Bank fails to satisfy regulatory risk-based or leverage capital requirements, it may be subject to serious regulatory consequences, including restrictions on our ability to make dividend payments or share repurchases, that could prevent us from successfully executing our business plan and may have a material adverse effect on our business, results of operations, financial position, and/or cash flows. See Item 1. &#8220;Business &#8212; Supervision and Regulation &#8212; Regulation of Sallie Mae Bank &#8212; Regulatory Capital Requirements.&#8221; </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">31</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Unfavorable results from the periodic stress scenarios we model under regulatory guidance may adversely affect our business and result in regulatory action that could adversely affect our cost of capital and liquidity position.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to regulatory guidance, the Bank conducts annual capital stress tests, modeling systemic and company-specific stress scenarios. In 2021, the Bank conducted its annual capital stress tests and the results of these tests were presented to and reviewed by the Bank&#8217;s senior management, the Bank&#8217;s Board of Directors, and the Board&#8217;s Financial Risk Committee. In addition, the Bank made the results of the stress tests (its current business forecast) available to its prudential regulators - the FDIC and the UDFI. Generally, the stress test results include certain measures that evaluate the Bank&#8217;s ability to absorb losses in severely adverse economic and financial conditions. On the basis of a stress analysis, senior management may elect to adjust its business plans or capital targets to reduce risks identified by the analysis. Our regulators may also require the Bank to raise additional capital or take other actions, or may impose restrictions on our business, based on the results of the stress tests. We may not be able to raise additional capital if required to do so or may not be able to do so on terms that are advantageous to us. Any such capital raises, if required, may also be dilutive to our existing stockholders.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also conduct quarterly liquidity stress tests to evaluate the adequacy of our liquidity sources under several stress scenarios, including a severely adverse macroeconomic scenario. The results of these scenarios may lead management to determine, or regulators to demand, that higher levels of liquidity be maintained at significant incremental expense to the Bank.</span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Changes in accounting standards, or incorrect estimates and assumptions by management in connection with the preparation of our consolidated financial statements, could adversely affect our capital levels, results of operation, and/or financial condition.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are subject to the requirements of entities that set and interpret the accounting standards governing the preparation of our financial statements and other financial reports. These entities, which include the FASB, the SEC, and banking regulators, may add new requirements or change their interpretations of how those standards should be applied. Changes in our accounting policies or in accounting standards could materially affect how we report our financial condition and/or results of operations. As a result of changes to financial accounting or reporting standards, whether promulgated or required by the FASB or other regulators, we could be required to change certain of the assumptions or estimates we have previously used in preparing our financial statements, which could negatively impact how we record and report our financial condition, results of operations, and capital levels.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The preparation of our consolidated financial statements requires us to make critical accounting estimates and assumptions that affect the reported amounts of assets, liabilities, income, and expenses during the reporting periods. Incorrect estimates and assumptions by us in connection with the preparation of our consolidated financial statements could adversely affect the reported amounts of assets, liabilities, income, and expenses.  If we make incorrect assumptions or estimates, we may under- or overstate reported financial results, which could materially and adversely affect our business, financial condition, results of operations, and/or capital levels. For additional information on the key areas for which assumptions and estimates are used in preparing our financial statements, see Part II, Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8212; Critical Accounting Policies and Estimates&#8221; and Notes to Consolidated Financial Statements, Note 2, &#8220;Significant Accounting Policies.&#8221;</span></div><div style="margin-top:7.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%;text-decoration:underline">REGULATORY RISK</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We operate in a highly regulated environment and the laws and regulations that govern our operations, or changes in these laws and regulations, or our failure to comply with them, may adversely affect us.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are subject to extensive regulation and supervision that govern almost all</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">aspects of our operations. Intended to protect clients, depositors, the DIF, and the overall financial system, these laws, regulations, and supervisory actions may, among other matters:</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">prescribe minimum capital requirements; </span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">limit the rates of growth of our business;</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">impose limitations on the business activities in which we can engage; </span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">limit the dividends or distributions the Bank can pay to us; </span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">limit share repurchases;</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">32   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">restrict the payment of discretionary bonuses to executive officers;</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">restrict the ability of institutions to guarantee our debt; </span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">limit proprietary trading and investments in certain private funds; </span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">impose certain specific accounting requirements on us that may be more restrictive; </span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">result in changes from time to time in our practices, policies, procedures, and personnel in various areas of our business; and</span></div><div style="margin-top:4.5pt;padding-left:27pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">result in greater or earlier charges to earnings or reductions in our capital. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The FDIC has the authority to limit the Bank&#8217;s annual total balance sheet growth, but no such limitations were imposed in recent years. There can be no assurance that limitations will not be imposed in the future, however.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Compliance with laws and regulations can be difficult and costly, and changes to laws and regulations, as well as increased intensity in supervision, often impose additional compliance costs. The scope of the laws and regulations and the intensity of the supervision to which we are subject have increased in recent years, initially in response to the financial crisis, and more recently in light of other factors such as technological and market changes. Regulatory enforcement and fines have also increased across the banking and financial services sector. Further, the scope of regulation and the intensity of supervision will likely become higher under the current presidential administration, including increased scrutiny, supervisory discouragement, or even possible denials, of bank mergers and acquisitions by federal bank regulators.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We expect that we, like the rest of the banking sector, will remain subject to increased regulation and supervision of our industry by bank regulatory agencies and that there may be additional and changing requirements and conditions imposed on us, any of which could increase our costs, require increased management attention, and adversely impact our results of operations.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with their continuous supervision and examinations of us, the FDIC, the UDFI, the CFPB, or other regulatory agencies may require changes in our business or operations. Such a requirement may be judicially enforceable or impractical for us to contest, and we could become subject to formal or informal enforcement and other supervisory actions, including memoranda of understanding, written agreements, cease-and-desist orders, and prompt-corrective-action or safety-and-soundness directives. Supervisory actions could entail significant restrictions on our existing business, our ability to develop new business, our flexibility in conducting operations, and our ability to pay dividends or utilize capital. Enforcement and other supervisory actions also can result in the imposition of civil monetary penalties or injunctions, related litigation by private plaintiffs, damage to our reputation, and a loss of customer or investor confidence. We could be required as well to dispose of specified assets and liabilities within a prescribed period of time. As a result, any enforcement or other supervisory action could have an adverse effect on our business, financial condition, results of operations, and prospects.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, changes in the regulatory and supervisory environments could adversely affect us in substantial and unpredictable ways, including by limiting the types of financial services and products we may offer, enhancing the ability of others to offer more competitive financial services and products, restricting our ability to make acquisitions or pursue other profitable opportunities, and negatively impacting our financial condition and results of operations. Changes in the prevailing interpretations of federal or state laws and related regulations could also invalidate or call into question the legality of certain of our services and business practices.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our failure to comply with the laws, regulations, and supervisory actions to which we are subject, even if the failure is inadvertent or reflects a difference in interpretation, could subject us to fines, other penalties, and restrictions on our business activities, any of which could adversely affect our business, financial condition, cash flows, results of operations, capital base, and/or the price of our securities.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Failure to comply with consumer protection, privacy, data protection, or cybersecurity laws and requirements could subject us to civil and criminal penalties or litigation, including class actions, and have a material adverse effect on our business.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are subject to a broad range of federal and state consumer protection laws applicable to our lending and retail banking activities, including laws governing fair lending, unfair, deceptive and abusive acts and practices, service member protections, interest rates and loan fees, disclosures of loan terms, marketing, servicing, and collections. </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">33</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The CFPB is the Bank&#8217;s primary consumer compliance supervisor, with exclusive authority to conduct examinations for the purposes of assessing compliance with the requirements of federal consumer financial laws and with primary consumer compliance enforcement authority. CFPB jurisdiction could result in additional regulation and supervision, which could increase our costs and limit our ability to pursue business opportunities. The CFPB/ DOE MOU could lead to additional complaints received by the CFPB regarding us, which could lead to additional scrutiny of us and increase our costs. Consent orders, decrees, or settlements entered into with governmental agencies may also increase our compliance costs or restrict certain of our activities.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The CFPB and the FDIC issued guidance to supervised banks with respect to increased responsibilities to supervise the activities of service providers to ensure compliance with federal consumer protection laws. The issuance of regulatory guidance and the enforcement of the enhanced vendor management standards via examination and investigation of us or any third-party with whom we do business may increase our costs, require increased management attention, and adversely impact our operations. In the event we should fail to meet the heightened standards for management of service providers, we could be subject to supervisory orders to cease and desist, civil monetary penalties, or other actions due to claimed noncompliance, which could have an adverse effect on our business, financial condition, operating results, and/or cash flows.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are also subject to a dynamically changing landscape of privacy, data protection, and cybersecurity laws, regulations, and requirements. For example, the CCPA took effect on January 1, 2020, and is broad, sweeping legislation that gives California consumers certain rights similar to those provided by the European General Data Protection Regulation. Among other things, the CCPA provides for enhanced regulatory penalties and potential statutory damages in relation to certain types of data breaches. See Item 1. &#8220;Business &#8212; Supervision and Regulation &#8212;Regulation of Sallie Mae Bank &#8212; Privacy Laws&#8221; for additional information. In addition, in November 2021, the FDIC, OCC, and FRB adopted a new regulation that takes effect in early 2022 and imposes new requirements on banking organizations to report certain covered cybersecurity events.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Violations of, or changes in, federal or state consumer protection, privacy, data protection, or cybersecurity laws or related regulations, or in the prevailing interpretations thereof, may expose us to litigation, administrative fines, penalties and restitution, result in greater compliance costs, constrain the marketing and origination of Private Education Loans or other products, adversely affect the collection of balances due on the loan assets held by us or by securitization trusts, or otherwise adversely affect our business. Compliance with laws and regulations can be difficult and costly, and changes to laws and regulations, as well as increased intensity in compliance and supervision activities, often impose additional compliance costs. Accordingly, we could incur substantial additional expense complying with these requirements and may be required to create new processes and information systems.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our framework for managing risks, including model risk and data governance risk, may not be effective in mitigating our risk of loss and, if the framework is ineffective, could have a material adverse effect on us and our business.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our risk management framework seeks to mitigate risk and appropriately balance risk and return. We continue to evolve our risk management framework to consider changes in business and regulatory expectations and to refine established processes and procedures intended to identify, measure, monitor, test, control, report, escalate, and mitigate the types of risk to which we are subject. We seek to monitor and control our risk exposure through a framework of policies, procedures, limits, and reporting requirements. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also rely on quantitative models to measure and manage risks and estimate certain financial values. Models may be used in such processes as product pricing, extending credit, measuring interest rate and other market risk, estimating losses, calculating and assessing capital levels, estimating the value of financial instruments and balance sheet items, and various other processes. If the models that we use to measure and/or mitigate these risks and values are poorly designed, based upon incorrect or incomplete information, poorly implemented, or are otherwise inadequate, or our governance surrounding the management of data we use in our models and other aspects of our business is poorly designed or implemented, or otherwise is inadequate, our business decisions may be adversely affected, we may provide inaccurate information to the public or regulators, and/or we may incur increased losses.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, there may be existing or developing risks that we have not appropriately anticipated, identified, or mitigated. If our risk management framework does not effectively identify or mitigate our risks, we could suffer unexpected losses and our business, financial condition, and/or results of operations could be materially adversely affected. An ineffective risk-management framework or function also could give rise to enforcement and other supervisory actions, damage our reputation, and result in litigation. </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">34   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:7.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">POLITICAL/REPUTATIONAL RISK</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Proposals of federal and state governments, or of various political candidates, affecting the student loan industry in particular, such as proposals for new federal education spending designed to make higher education &#8220;free&#8221; or substantially so regardless of financial need, or to create new federally funded programs to refinance private student loans, subject us to political risk and could have a material adverse impact on our business, results of operations, financial condition, and/or cash flows.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We operate in an environment of heightened political and regulatory scrutiny of education loan lending, servicing, and originations. The rising cost of higher education, questions regarding the quality of education provided, particularly among for-profit institutions, and the increasing amount of student loan debt outstanding in the United States have prompted this heightened and ongoing scrutiny. This environment could lead to further proposals by political candidates and state and federal legislators and regulators, and to the enactment of laws and regulations, applicable to, or limiting, our business. For instance, over the last several years, numerous proposals for new federal spending have been discussed by political candidates and/or introduced by legislators to make higher education &#8220;free&#8221; or substantially so. Some proposals have included the potential forgiveness of substantial amounts of existing outstanding student loan indebtedness.  Also, various states have proposed and/or enacted legislation providing for &#8220;free&#8221; or &#8220;substantially free&#8221; higher education to residents of the state having incomes below a certain level and who attend publicly-funded universities in the state.  Moreover, since 2010, a number of bills have been introduced in the United States Congress to promote federal financing for consolidation or refinancing of existing student loans.  The regulatory environment at the state level has shifted such that many states recently have enacted new legislation specifically restricting the conduct and practices of student loan servicers. The enactment of any of the proposed legislation or policies described above, even if they do not apply specifically to Private Education Loans, could have a material adverse impact on our business, results of operations, financial condition, and/or cash flows. In addition, the continued ongoing publicity regarding these various proposals, even if they are not enacted, could negatively impact the market price of our common stock. </span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We are subject to reputational risk, which could damage our brand and have a material adverse impact on our business, results of operations, financial condition, and/or cash flows.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our brand is very important to us and our business. Our reputation as an originator, servicer, and securitizer of high-quality Private Education Loans and as a depository for online deposits is very dependent upon how our customers, our regulators, legislators, the education community, our employees, and the broader market perceive our business practices, financial heath, and integrity, and the business practices, financial health, and integrity of the overall student loan market, other loan markets, or the market for online deposits, as applicable. Negative publicity, including as a result of our culture, actual or alleged conduct by us, our employees, or our vendors, or public opinion of the student loan industry or other relevant industries generally, or as a result of achieving lower environmental, social, and governance, or &#8220;sustainability,&#8221; scores or ratings than those desired by certain investors, could damage our reputation and business and adversely impact the price of our common stock. Additionally, as described above, proposals of political candidates or legislators that may affect the financial industry, or the student loan industry in particular, could damage our reputation and business and adversely impact the price of our common stock.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any internal, market, or other developments, including those relating to our competitors or our business, that result in a negative impact on our brand or reputation or the reputation of the student loan industry or other relevant industries could have an adverse effect on our ability to originate, service, securitize, and retain Private Education Loans or other loans, as applicable, result in greater regulatory, legislative, and media scrutiny, increase our risk of litigation and regulatory sanctions or other actions, and have a material adverse effect on our financial condition and/or results of operations.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%;text-decoration:underline">OPERATIONAL RISKS</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Failure or significant interruption of our operating systems or infrastructure or the inability to adapt to changes could disrupt our business, cause significant losses, result in regulatory action or litigation, or damage our reputation.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our business is dependent on our ability to process and monitor large numbers of transactions in compliance with legal and regulatory standards and our product specifications. As processing demands change and our loan portfolios grow in both volume and differing terms and conditions, developing and maintaining our operating </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">35</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">systems and infrastructure become increasingly challenging. There is no assurance we can adequately or efficiently develop, maintain, or acquire access to such systems and infrastructure.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our loan originations and deposits and the servicing, financial, accounting, data processing, communications, or other operating systems and facilities that support them may fail to operate properly, become disabled as a result of events beyond our control, or be unable to be rapidly configured to timely address regulatory changes, in each case potentially adversely affecting our ability to process these transactions. Any such failure could adversely affect our ability to service our customers, result in financial loss or liability to our customers and investors, disrupt our business, result in regulatory action or litigation, or cause reputational damage. Despite the plans we have in place, our ability to operate may be adversely affected by a disruption in the infrastructure that supports our businesses. Notwithstanding our efforts to maintain business continuity, a disruptive event impacting our processing locations could adversely affect our business, financial condition, results of operations, and/or cash flows.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our business processes are becoming increasingly dependent upon technological advancement, and we could lose market share if we are not able to keep pace with rapid changes in technology.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our future success depends, in part, on our ability to underwrite and approve loans, process loan applications and payments, and provide other customer services, in a safe, automated manner with high-quality service standards. The volume of loan originations we are able to process is reliant on the systems and processes we have implemented and developed. These systems and processes are becoming increasingly dependent upon technological advancement, such as the ability to process loans and payments over the internet or mobile applications, accept electronic signatures, and provide initial decisions instantly. Our future success also depends, in part, on our ability to develop and implement technology solutions that keep pace with continuing changes in technology, industry standards, and client preferences, including FinTech developments. We may not be successful in anticipating or responding to these developments in a timely manner. We have made, and need to continue to make, investments in our technology platform to provide competitive products and services. We may be required to expend significant funds to develop or acquire new technologies. If competitors introduce products, services, and systems that are better than ours or that are more cost-effective or that gain greater market acceptance, we could lose market share. Any one of these circumstances could have a material adverse effect on our business reputation and ability to obtain and retain clients and, therefore, could materially adversely affect our business, financial condition, and/or results of operations.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We depend on secure information technology and a breach of those systems or those of third-party vendors could result in significant losses, unauthorized disclosure of confidential customer information, and reputational damage, which could materially adversely affect our business, financial condition, and/or results of operations and could lead to significant financial, legal, and reputational exposure.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our operations rely on the secure collection, processing, storage, and transmission of personal, confidential and other information in a significant number of customer transactions on a continuous basis through our computer systems and networks and those of our third-party service providers. Information security risks for financial institutions and third-party service providers have increased in recent years and continue to evolve in part because of the proliferation of new technologies, the use of the internet and telecommunications technologies to conduct financial transactions, and the increased sophistication and activities of organized crime, hackers, terrorists, activists, and other external parties, including foreign state-sponsored actors. These parties also may fraudulently induce employees, customers, and others who use our or our service providers&#8217; systems or have access to our or our customers&#8217; data, to gain access to our and our customers&#8217; data or our assets. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We and our service providers face constant threats to our systems and data and from time-to-time experience cyberattacks and other security incidents. While we have not been materially impacted by cyber incidents, we continue to evolve our security controls to improve our ability to prevent, detect, and respond to the continually changing threats, and we may be required to expend significant additional resources in the future to enhance our security controls in response to new or more sophisticated threats, as well as new regulations related to cybersecurity. Additionally, while we, and our third-party service providers, commit resources to the design, implementation, maintenance, security, and monitoring of our networks and systems, there is no guarantee that our security controls, or those of our third-party service providers, will protect against all threats.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Despite the measures we and our third-party service providers implement to protect our systems and our or our customers&#8217; data, we may not be able to anticipate, prevent, or detect cyber-attacks, particularly because the techniques used by attackers change frequently or are not recognized until launched, and because cyber-attacks can originate from a wide variety of sources, including third-parties who are or may be involved in organized crime or linked to terrorist organizations or hostile foreign governments. Such third parties may seek to gain unauthorized </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">36   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">access to our systems either directly or using equipment or security passwords belonging to employees, customers, third-party service providers, or other users of our systems or those of our third-party service providers. Or, they may seek to disrupt or disable our or our service providers&#8217; services through attacks such as denial-of-service and ransomware attacks.  In addition, we or our service providers may be unable to identify, or may be significantly delayed in identifying, cyber-attacks and incidents due to the increasing use of techniques and tools that are designed to circumvent controls, to avoid detection, and to remove or obfuscate forensic artifacts. As a result, our computer systems, software, and networks, as well as those of third-party vendors we utilize, may be vulnerable to unauthorized access, computer viruses, malicious attacks, and other events that could have a security impact beyond our control. We also routinely transmit and receive personal, confidential, and proprietary information, some through third parties, which may be vulnerable to interception, misuse, or mishandling. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If one or more of such events occur, personal, confidential and other information processed by, stored in, or transmitted through our computer systems and networks, or those of third-party vendors, could be compromised or could cause interruptions or malfunctions in our or our customers&#8217; or service providers&#8217; operations that could result in significant losses, loss of business by us and loss of confidence in us, customer dissatisfaction, significant litigation, regulatory exposures, and harm to our reputation and brand. In addition, we may be required to expend significant resources to modify our protective measures, to investigate the circumstances surrounding the event, and implement mitigation and remediation measures. We also may be subject to fines, penalties, litigation (including securities fraud class action lawsuits) and regulatory investigation costs and settlements and other financial losses. If one or more of such events occur, our business, financial condition, and/or results of operations could be significantly and adversely affected.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While we seek to mitigate cyber and related risks associated with outsourcing to third-party service providers, including through our vendor management processes, both operational and technological cyber risks remain, and certain risks are beyond our security and control systems. Cyber-attacks targeted at our service providers or in other areas of the supply chain may result in unauthorized interception, misuse, mishandling, access, acquisition, loss, or destruction of our or our customers&#8217; data, or other cyber incidents, that may affect the availability of our services, and impose costs and other liabilities that significantly and adversely affect us in the ways discussed above.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While we maintain insurance coverage that may apply to various cybersecurity risks and liabilities, there is no guarantee that any or all costs or losses incurred would be partially or fully covered.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We depend significantly on third-parties for a wide array of our operations and customer services and key components of our information technology infrastructure, and a breach of security or service levels, or violation of law by one of these third-parties, could disrupt our business or provide our competitors with an opportunity to enhance their position at our expense.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We depend significantly on third-parties for a wide array of our operations and customer services and key components of our information technology and security infrastructures. Third-party vendors are significantly involved in aspects of our servicing for Private Education Loans, FFELP Loans, Bank deposit-taking activities, payroll software and systems development, data center and operations, including the timely and secure transmission of information across our data communication network, and for other telecommunications, email, processing, storage, remittance, and technology-related services in connection with our business. If a service provider fails to provide the services we require or expect, or fails to meet applicable regulatory or contractual requirements, such as service levels, protection of our customers&#8217; personal and confidential information, or compliance with applicable laws, that failure could negatively impact our business by adversely affecting our ability to process customers&#8217; transactions in a timely and accurate manner, otherwise hampering our ability to serve our customers and investors, or subjecting us to litigation and regulatory risk for matters as diverse as poor vendor oversight, improper release or protection of personal information, or release of incorrect information. Such a failure could adversely affect the perception of the reliability of our networks and services, and the quality of our brand, and could materially adversely affect our business, financial condition, and/or results of operations.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We primarily rely upon Amazon Web Services to deliver our offerings to users on our platform, and any disruption of or interference with our use of Amazon Web Services could adversely impact our business and operations.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Amazon Web Services (&#8220;AWS&#8221;) provides a distributed computing infrastructure platform for business operations, which is commonly referred to as &#8220;cloud&#8221; computing services. In 2019, we completed the migration of our computing infrastructure over to AWS. &#160;We currently run the majority of computing to power our websites, </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">37</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">mobile applications, and other technology products and services on AWS, and we store a significant amount of our users&#8217; information and our confidential business information on AWS. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have limited control over the AWS operations and facilities that we use to store our data. While we&#8217;ve implemented contingencies for disaster recovery and business continuity, those operations and facilities are susceptible to damage and/or service interruptions. AWS&#8217; continuing and uninterrupted performance is critical to our continuing and uninterrupted operations. Given the nature of the outsourcing of these services, along with the fact that we cannot easily switch our AWS operations to another cloud provider, any disruption of or interference with our use of AWS could adversely impact our operations and business. Any negative publicity arising from these disruptions could also harm our reputation and brand and may affect the usage of our offerings.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We may face risks from our operations related to litigation or regulatory actions that could result in significant legal expenses and settlement or damage awards.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Defending against litigation or regulatory actions may require significant attention and resources of management and, regardless of the outcome, such actions could result in significant expenses.  If we are a party to material litigation or regulatory actions and if the defenses we assert are ultimately unsuccessful, or if we are unable to achieve a favorable settlement, we could be liable for large damages, penalties, or other amounts and that could have a material adverse effect on our business, results of operations, and/or financial condition. </span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our internal controls over financial reporting and disclosure controls may be ineffective, which could have a material adverse effect on our financial condition and/or results of operations.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our management is responsible for maintaining, regularly assessing and, as necessary, making changes to our internal controls over financial reporting and our disclosure controls. Nevertheless, our internal controls over financial reporting and our disclosure controls can provide only reasonable assurances regarding the reliability of our financial reporting and the preparation of our financial statements for external purposes in accordance with generally accepted accounting principles in the United States (&#8220;GAAP&#8221;) and may not prevent or detect misstatements. Any failure or circumvention of our internal controls over financial reporting or our disclosure controls, failure to comply with rules and regulations related to such controls, or failure to make sound and appropriate application of the criteria established in the framework set forth in&#160;Internal Control-Integrated Framework&#160;(2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission could have a material adverse effect on our financial condition and/or results of operations.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our business operations and those of our third-party vendors may be adversely impacted by political events, terrorism, cyberattacks, public health issues, natural disasters, severe weather, climate change, infrastructure failure or outages, labor disputes, business interruptions, and other unpredictable catastrophic events.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our business operations and those of our third-party vendors are subject to interruption by, among other things, political events, terrorism, cyber-attacks, public health issues, natural disasters, severe weather, climate change, infrastructure failure or outages, labor disputes, and other unpredictable catastrophic events, which could decrease demand for our products and services or make it difficult or impossible for us to deliver a satisfactory experience to our customers. Such events could affect the stability of our deposit base, impair the ability of our borrowers to repay their outstanding loans, cause significant property damage, and result in loss of revenue and/or cause us to incur additional expenses. The occurrence of any such event could have a material adverse impact on our business, financial condition, results of operations, and/or cash flows.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our ability to successfully make acquisitions is subject to significant risks, including the risk that governmental authorities may not provide any requisite approvals, the risk that integrating acquisitions may be more difficult, costly, or time consuming than expected, and the risk that the value of acquisitions may be less than anticipated.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We may from time to time seek to acquire other financial services companies or businesses that complement our business strategy. These acquisitions may be subject to regulatory approval in some instances, and no assurance can be provided that we will be able to obtain that approval in a timely manner or at all or that approval may not be subject to burdensome conditions. Even if we are able to obtain any required regulatory approval, the failure of other closing conditions to be satisfied or waived could delay the completion of an acquisition for a significant period of time or prevent it from occurring altogether. Any failure or delay in closing an acquisition could adversely affect our reputation, business, and performance.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Acquisitions involve numerous risks and uncertainties, including inaccurate financial and operational assumptions, incomplete or failed due diligence, lower-than-expected performance, higher-than-expected costs, </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">38   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">difficulties related to integration, diversion of management&#8217;s attention from other business activities, adverse market or other reactions, changes in relationships with customers or counterparties, the potential loss of key personnel, and the possibility of litigation and other disputes. An acquisition also could be dilutive to our existing stockholders if we were to issue common stock to fully or partially pay or fund the purchase price. Moreover, we may not be successful in identifying appropriate acquisition candidates, integrating acquired businesses or companies, or realizing expected value from acquisitions. Significant competition exists for valuable acquisition targets, and we may not be able to acquire other businesses or companies on attractive terms. No assurance can be given that we will pursue future acquisitions, and our ability to grow and successfully compete may be impaired if we choose not to pursue or are unable to successfully make acquisitions.</span></div><div style="margin-top:7.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%;text-decoration:underline">RISKS RELATED TO SPIN-OFF</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Because of Navient&#8217;s indemnification obligations, we have significant exposures to risks related to its creditworthiness. If we are unable to obtain indemnification payments from Navient, we could experience higher than expected costs and operating expenses and our results of operations, cash flows, and/or financial condition could be materially and adversely affected.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Separation and Distribution Agreement, and as contemplated by the structure of the Spin-Off, Navient is legally obligated to indemnify the Bank against all claims, actions, damages, losses, or expenses that may arise from the conduct of all activities of pre-Spin-Off SLM occurring prior to the Spin-Off, except for certain liabilities specifically assumed by the Bank in the agreement as to which the Bank would be obligated to indemnify Navient. The Separation and Distribution Agreement provides specific processes and procedures pursuant to which we may submit claims for indemnification to Navient. If for any reason Navient is unable or unwilling to pay claims made against it, our costs, operating expenses, cash flows, and/or financial condition could be materially and adversely affected over time.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%;text-decoration:underline">GENERAL RISKS</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The holders of our preferred stock have rights that are senior to those of our common shareholders.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2021, we had issued and outstanding 2.5 million shares of our Series B Preferred Stock. Our Series B Preferred Stock is senior to our shares of common stock in right of payment of dividends and other distributions. Generally, we must be current on dividends payable to holders of our Series B Preferred Stock before any dividends can be paid on our common stock. We also must comply with certain provisions that are protective of the Series B Preferred Stock in order to effectuate any repurchases under our common stock share repurchase program. In the event of our bankruptcy, dissolution, or liquidation, the holders of our Series B Preferred Stock must be satisfied before any distributions can be made to our common shareholders.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We may be limited in our ability to receive dividends from the Bank, pay dividends on and repurchase our common stock, and make payments on our corporate debt.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The declaration and payment of future common stock dividends, as well as the amount thereof, are subject to determination by, and the discretion of, our Board of Directors. In addition, we may change our policy regarding the payment of dividends and reduce or eliminate our common stock dividend in the future, which could adversely affect the market price of our common stock.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our share repurchase programs permit us to repurchase from time-to-time shares of our common stock up to an aggregate repurchase price not to exceed the authorized limits described in this Form 10-K. We may not be able to sell loans at prices, in volumes, or on a schedule, that will provide us with sufficient funds to effect share repurchases under our share repurchase programs. The timing and volume of any repurchases will be subject to market conditions, and there can be no guarantee that we will repurchase up to the limit of any program or at all, which could adversely affect the market price of our common stock.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are dependent on funds obtained from the Bank to fund corporate debt payments, dividend payments, and any share repurchases. Regulatory and other legal restrictions may limit our ability to transfer funds freely, either to or from our subsidiaries. In particular, the Bank is subject to laws and regulations that authorize regulatory bodies to block or reduce the flow of funds to us, or that prohibit such transfers altogether in certain circumstances. These laws, regulations, and rules may hinder our ability to access funds that we may need to make payments in respect of our stock or to satisfy our other responsibilities. The FDIC has the authority to prohibit or limit the payment of dividends by the Bank and SLM Corporation.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">39</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:43.2pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our business could be negatively affected if we are unable to attract, retain, and motivate skilled employees.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our success depends, in large part, on our ability to retain key senior leaders and to attract and retain skilled employees. We depend on our senior leaders and skilled employees to oversee initiatives across the enterprise and execute on our business plans in an efficient and effective manner. Competition for such senior leaders and employees, and the cost associated with attracting and retaining them, is high. Recent scrutiny of compensation in the financial services industry has introduced additional challenges in this area. Our ability to attract and retain qualified employees also is affected by perceptions of our culture and management, our profile in the regions where we have offices, and the professional opportunities we offer. We rely upon our senior leaders not only for business success, but also to lead with integrity. To the extent our senior leaders behave in a manner that does not comport with our values, the consequences to our brand and reputation could be severe and could adversely affect our financial condition and results of operations. If we are unable to attract, develop, and retain talented senior leadership and employees, or to implement appropriate succession plans for our senior leadership, our business could be negatively affected.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">40   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_25"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:13.5pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:232%">Item 1B. Unresolved Staff Comments </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:174%">None.</span></div><div><span><br/></span></div><div id="i35472170320a48e7aebfc3743129a2e0_28"></div><div style="padding-left:47.25pt;text-indent:-47.25pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Item 2. Properties </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:174%">The following table lists the principal facility owned by us as of December&#160;31, 2021:</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:174%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:46.929%"><tr><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.357%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:39.709%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.357%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.644%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Location</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Function</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Approximate<br/>Square&#160;Feet</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Newark, DE</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Headquarters</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">160,000</span></td></tr></table></div><div style="padding-left:234pt;padding-right:234pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:174%">The following table lists the principal facilities leased by us as of December&#160;31, 2021:</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:174%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:46.929%"><tr><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.357%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:39.709%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.357%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.644%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Location</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Function</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Approximate<br/>Square&#160;Feet</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Indianapolis,&#160;IN</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Administrative Offices</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">115,000</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">New Castle, DE</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loan Servicing Center</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">125,000</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Sterling,&#160;VA</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Administrative&#160;Offices</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,000</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Newton, MA</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Administrative&#160;Offices</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,000</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Salt Lake City, UT</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Sallie Mae Bank</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,000</span></td></tr></table></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The facility that we own is not encumbered by a mortgage. We believe that our headquarters, loan servicing centers, data center, back-up facility, and data management and collection centers are generally adequate to meet our long-term lending and business goals. Our headquarters are currently located in owned space at 300 Continental Drive, Newark, Delaware, 19713.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">41</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_31"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;padding-left:47.25pt;text-indent:-47.25pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Item&#160;3.</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:174%">&#160;&#160;&#160;&#160;</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Legal Proceedings</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%"> </span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We and our subsidiaries and affiliates are subject to various claims, lawsuits, and other actions that arise in the normal course of business. It is common for the Company, our subsidiaries, and affiliates to receive information and document requests and investigative demands from state attorneys general, legislative committees, and administrative agencies. These requests may be for informational or regulatory purposes and may relate to our business practices, the industries in which we operate, or other companies with whom we conduct business. Our practice has been and continues to be to cooperate with these bodies and be responsive to any such requests. </span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Spin-Off and applicable law, Navient is responsible for all liabilities (whether accrued, contingent, or otherwise and whether known or unknown) arising out of or resulting from the conduct of pre-Spin-Off SLM and its subsidiaries&#8217; businesses prior to the Spin-Off, other than certain specifically identified liabilities relating to the conduct of our consumer banking business for which the Bank is responsible. Nonetheless, given the prior usage of the Sallie Mae and SLM names by entities now owned by Navient, we and our subsidiaries may from time to time be improperly named as defendants in legal proceedings where the allegations at issue are the legal responsibility of Navient. Most of these legal proceedings involve matters that arose in whole or in part in the ordinary course of business of pre-Spin-Off SLM. Likewise, as the period of time since the Spin-Off increases, so does the likelihood any allegations that may be made may be in part for our own actions in a post-Spin-Off time period and in part for Navient&#8217;s conduct in a pre-Spin-Off time period. We will not be providing information on these proceedings unless there are material issues of fact or disagreement with Navient as to the bases of the proceedings or responsibility therefor that we believe could have a material, adverse impact on our business, assets, financial condition, liquidity, or outlook if not resolved in our favor.  </span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 18, 2017, the Illinois Attorney General filed a lawsuit in Illinois state court against Navient - its subsidiaries Navient Solutions, Inc., Pioneer Credit Recovery, Inc., and General Revenue Corporation - and the Bank arising out of the Multi-State Investigation. On March 20, 2017, the Bank moved to dismiss the Illinois Attorney General action as to the Bank, arguing, among other things, the complaint failed to allege with sufficient particularity or specificity how the Bank was responsible for any of the alleged conduct, most of which predated the Bank&#8217;s existence. On July 10, 2018, the Court granted the Bank&#8217;s motion to dismiss without prejudice. On August 7, 2018, the Illinois Attorney General filed a First Amended Complaint and, on October 9, 2018, the Bank again moved to dismiss the action based on grounds similar to those raised in its March 20, 2017 motion. The Illinois Attorney General filed its response on November 21, 2018, and the Bank filed its reply on December 10, 2018. Oral argument on the motion took place on January 9, 2019. The Court took the motion under advisement, and a hearing took place on December 7, 2021. On December 16, 2021, the Court entered an Order granting the Bank&#8217;s Motion to Dismiss the First Amended Complaint, thereby dismissing the Bank from the action with prejudice.</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 13, 2022, Navient announced agreements with a total of forty state attorneys general to resolve their previously disclosed multistate litigation and investigation matters, including but not limited to four lawsuits (brought by the attorneys general for the states of California, Washington, Pennsylvania, and New Jersey) arising out of the Multi-State Investigation. Neither SLM, the Bank, nor any of their current subsidiaries are named in, or otherwise a party to, the California, Washington, Pennsylvania, or New Jersey lawsuits, and no claims are asserted against them. The Company and the Bank are not parties to the Navient settlement and are not contributing any of the relief sought in the settlement. Further, the consent judgments between Navient and the various states contain releases of claims as to pre-Spin-Off SLM (including the Bank and other consolidated subsidiaries) for conduct occurring on or before the date of the Spin-Off.</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Separation and Distribution Agreement,  and as contemplated by the structure of the Spin-Off, Navient is legally obligated to indemnify the Bank against all claims, actions, damages, losses, or expenses that may arise from the conduct of all activities of pre-Spin-Off SLM occurring prior to the Spin-Off, except for certain liabilities related to the conduct of the pre-Spin-Off consumer banking business that were specifically assumed by the Bank (and as to which the Bank is obligated to indemnify Navient). Navient has acknowledged its indemnification obligations under the Separation and Distribution Agreement, in connection with the Multi-State Investigation and the related lawsuits in which the Bank has been named as a party. Navient has informed the Bank, however, that it believes that the Bank may be responsible to indemnify Navient against certain potential </span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">42   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">liabilities arising from the above-described lawsuits under the Separation and Distribution Agreement and/or a separate loan servicing agreement between the parties, and has suggested that the parties defer further discussion regarding indemnification obligations, and reimbursement of ongoing legal costs, in connection with the lawsuits. The Bank disagrees with Navient&#8217;s position and the Bank has reiterated to Navient that Navient is responsible for promptly indemnifying the Bank against all liabilities arising out of the conduct of pre-Spin-Off SLM that are at issue in the Multi-State Investigation and in the above-described lawsuits.</span></div><div style="margin-top:13.5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Regulatory Update </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In May 2014, the Bank received a CID from the CFPB as part of the CFPB Investigation. Two state attorneys general also provided the Bank identical CIDs and other state attorneys general have become involved in the Multi-State Investigation. To the extent requested, the Bank has been cooperating fully with the CFPB and the attorneys general conducting the Multi-State Investigation. Given the timeframe covered by the CIDs, the CFPB Investigation and the Multi-State Investigation, and the focus on practices and procedures previously conducted by Navient and its servicing subsidiaries prior to the Spin-Off, Navient is leading the response to these investigations. Consequently, we have no basis from which to estimate either the duration or ultimate outcome of these investigations.  </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With regard to the CFPB Investigation, we note that on January 18, 2017, the CFPB filed a complaint in federal court in Pennsylvania against Navient, along with its subsidiaries, Navient Solutions, Inc. and Pioneer Credit Recovery, Inc. The complaint alleges these Navient entities, among other things, engaged in deceptive practices with respect to their historic servicing and debt collection practices. Neither SLM, the Bank, nor any of their current subsidiaries are named in, or otherwise a party to, the lawsuit and are not alleged to have engaged in any wrongdoing. The CFPB&#8217;s complaint asserts Navient&#8217;s assumption of these liabilities pursuant to the Separation and Distribution Agreement.</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span><br/></span></div><div id="i35472170320a48e7aebfc3743129a2e0_34"></div><div style="margin-top:9pt;padding-left:47.25pt;text-indent:-47.25pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Item&#160;4.</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:174%">&#160;&#160;&#160;&#160;</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Mine Safety Disclosures</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">N/A</span></div><div><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">43</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_37"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div><span><br/></span></div><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PART II. </span></div><div style="margin-top:9pt;padding-left:47.25pt;text-indent:-47.25pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item&#160; 5.</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Market for Registrant&#8217;s Common Equity, Related Stockholder Matters, and Issuer Purchases of Equity Securities </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our common stock is listed and has traded on the NASDAQ Global Select Market (&#8220;Nasdaq&#8221;) under the symbol SLM since December&#160;12, 2011.  As of January&#160;31, 2022, there were 279,392,949 shares of our common stock outstanding and 256 holders of record. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We paid quarterly cash dividends on our common stock of $0.03 per share for the first, second, and third quarters of 2021, respectively, and $0.11 per share for the fourth quarter of 2021. We paid quarterly cash dividends on our common stock of $0.03 per share for each quarter of 2020 and 2019. Common stock dividend declarations are subject to determination by, and the discretion of, our Board of Directors. We may change our common stock dividend policy at any time. </span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Issuer Purchases of Equity Securities </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information relating to our purchase of shares of our common stock in the three months ended December&#160;31, 2021. </span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.467%"><tr><td style="width:1.0%"></td><td style="width:32.437%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.025%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.484%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.998%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.871%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.285%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.403%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.659%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(In thousands, <br/>except per share data)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total&#160;Number</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">of Shares</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Purchased</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average&#160;Price</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Paid per</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Share</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total&#160;Number&#160;of</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Shares&#160;Purchased</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">as&#160;Part&#160;of&#160;Publicly</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Announced Plans</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">or&#160;Programs</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)(3)</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> &#160;</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Approximate&#160;Dollar</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Value</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">of&#160;Shares&#160;That</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">May&#160;Yet&#160;Be</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Purchased&#160; Under</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Publicly&#160;Announced</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Plans&#160;or</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Programs</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Period:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">October&#160;1&#160;- October&#160;31, 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,235&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18.19&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,235&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$279,000</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">November 1&#160;- November&#160;30, 2021</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,360&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18.44&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,360&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$162,000</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December&#160;1&#160;-&#160;December&#160;31, 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,627&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18.66&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,626&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$38,000</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total fourth-quarter 2021</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,222&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18.52&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,221&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr></table></div><div style="margin-bottom:3pt;padding-left:36pt;padding-right:468pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;</span></div><div style="margin-top:2pt;padding-left:36pt"><span><br/></span></div><div style="padding-left:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)&#160; The total number of shares purchased includes: (i) shares purchased under the stock repurchase programs discussed herein, and (ii) shares of our common stock tendered to us to satisfy the exercise price in connection with cashless exercises of stock options, and tax withholding obligations in connection with exercises of stock options and vesting of restricted stock, restricted stock units, and performance stock units.</span></div><div style="padding-left:22.5pt"><span><br/></span></div><div style="padding-left:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2) In the first quarter of 2021, we utilized all capacity then remaining under the 2020 Share Repurchase Program. On January 27, 2021, our Board of Directors authorized us to repurchase shares of our common stock up to an aggregate repurchase price not to exceed $1.25 billion under the 2021 Share Repurchase Program. In October 2021, our Board of Directors approved a $250 million increase in the amount of common stock that may be repurchased under our 2021 Share Repurchase Program, which expires on January 26, 2023. </span></div><div style="padding-left:22.5pt"><span><br/></span></div><div style="padding-left:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3) In the fourth quarter of 2021, we repurchased 14.2 million common shares under our 10b5-1 trading plans. See Note 13, &#8220;Stockholders&#8217; Equity&#8221; to our consolidated financial statements in this Form 10-K for further discussion. </span></div><div style="padding-left:22.5pt"><span><br/></span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The closing price of our common stock on Nasdaq on December&#160;31, 2021 was $19.67. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The 2019 Share Repurchase Program expired on January 22, 2021 and permitted us to repurchase from time to time shares of our common stock up to an aggregate repurchase price not to exceed $200 million. We utilized all capacity under the 2019 Share Repurchase Program, having repurchased 17 million and 3 million shares of common stock for $167 million and $33 million in the years ended December 31, 2019 and 2020, respectively.  </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The 2020 Share Repurchase Program expired on January 21, 2022 and permitted us to repurchase shares of common stock from time to time up to an aggregate repurchase price not to exceed $600 million.</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">44   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Under the authority of the 2020 Share Repurchase Program, on March 10, 2020, we entered into an ASR with a third-party financial institution under which we paid $525&#160;million for an upfront delivery of our common stock and a forward agreement. On March 11, 2020, the third-party financial institution delivered to us approximately 44.9&#160;million shares. The final total actual number of shares of common stock delivered to us pursuant to the forward agreement was based generally upon a volume-weighted average price at which the shares of our common stock traded during the regular trading sessions on the NASDAQ Global Select Market during the term of the ASR. The transactions were accounted for as equity transactions and were included in treasury stock when the shares were received, at which time there was an immediate reduction in the weighted average common shares calculation for basic and diluted earnings per share. On January 26, 2021, we completed the ASR and upon final settlement on January 28, 2021, we received an additional 13&#160;million shares. In total, we repurchased 58&#160;million shares under the ASR at an average price per share of $9.01. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Under the 2020 Share Repurchase Program, we also repurchased an additional 4&#160;million shares of common stock for $75&#160;million in the three months ended March 31, 2021. We have now utilized all capacity under the 2020 Share Repurchase Program.  For additional information, see Notes to Consolidated Financial Statements, Note 13, &#8220;Stockholders&#8217; Equity.&#8221; </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 27, 2021, we announced the 2021 Share Repurchase Program, which was effective upon announcement and expires on January 26, 2023, and originally permitted us to repurchase shares of our common stock from time to time up to an aggregate repurchase price not to exceed $1.25&#160;billion.  </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On October 20 2021, we announced a $250&#160;million increase in the amount of common stock that may be repurchased under our 2021 Share Repurchase Program, which expires on January 26, 2023. This is in addition to the original $1.25&#160;billion of authorization announced on January 27, 2021, for a total 2021 Share Repurchase Program authorization of $1.5&#160;billion.  Of the total $1.5&#160;billion 2021 Share Repurchase Program authorization, we repurchased 81.1&#160;million shares of common stock at an average price per share of $18.07, for $1.46&#160;billion in the year ended December 31, 2021. (Those amounts include the shares repurchased under the Tender Offer described below.) There was $38&#160;million of capacity remaining under the 2021 Share Repurchase Program at December 31, 2021. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 26, 2022, we announced the 2022 Share Repurchase Program, which was effective upon announcement and expires on January 25, 2024, and permits us to repurchase shares of our common stock from time to time up to an aggregate repurchase price not to exceed $1.25 billion.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">So long as there is unexpired capacity under a given repurchase program, repurchases under the programs may occur from time to time and through a variety of methods, including tender offers, open market repurchases, repurchases effected through Rule 10b5-1 trading plans, negotiated block purchases, accelerated share repurchase programs, or other similar transactions. The timing and volume of any repurchases under the 2021 Share Repurchase Program and the 2022 Share Repurchase Program will be subject to market conditions, and there can be no guarantee that the Company will repurchase up to the limit of the programs or at all.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%">Common Stock Tender Offer</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 2, 2021, under the auspices of the 2021 Share Repurchase Program, we announced the commencement of the Tender Offer to purchase up to $1&#160;billion in aggregate purchase price of our outstanding shares of common stock, par value $0.20 per share. Pursuant to the Tender Offer, we repurchased 28.5&#160;million shares at a price of $16.50 per share. The purchase of shares settled on March 16, 2021, for an aggregate cost of approximately $472&#160;million, including fees and expenses related to the Tender Offer. We cancelled the 28.5&#160;million shares purchased in connection with the Tender Offer. This cancellation decreased the balances of common stock by $6&#160;million and of additional paid-in capital by $466&#160;million, respectively. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%">Share Repurchases under our Rule 10b5-1 Trading Plans</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:107%">During the year ended December 31, 2021, we repurchased 57&#160;million shares of our common stock at a total cost of $1.1&#160;billion under Rule 10b5-1 trading plans authorized under our share repurchase programs. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to any repurchases that we may make under the share repurchase programs, we expect to repurchase common stock acquired as a result of taxes withheld in connection with award exercises and vesting under our employee stock-based compensation plans.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">45</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Stock Performance </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following graph compares the five-year cumulative total returns of SLM Corporation, the S&amp;P Supercomposite Consumer Finance Sub-Industry Index, and the S&amp;P 400 Regional Bank Sub-Industry Index. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This graph assumes $100 was invested in the stock or the relevant index on December 31, 2016, and also assumes the reinvestment of dividends through December&#160;31, 2021.</span></div><div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Five-Year Cumulative Total Stockholder Return </span></div><div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><img src="slm-20211231_g5.jpg" alt="slm-20211231_g5.jpg" style="height:200px;margin-bottom:5pt;vertical-align:text-bottom;width:601px"/></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.818%"><tr><td style="width:1.0%"></td><td style="width:37.571%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.121%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.121%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.121%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.121%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.121%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Company/Index</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">12/31/16</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">12/31/17</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">12/31/18</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">12/31/19</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">12/31/20</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">12/31/21</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">SLM&#160;Corporation</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$100.0&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$102.5&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$75.4&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$81.9&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$115.4&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$185.2&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">S&amp;P Supercomposite Consumer Finance Sub-Industry Index</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">120.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100.7&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">136.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">137.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">187.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">S&amp;P 400 Regional Bank Sub-Industry Index</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">105.2&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">82.7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">103.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">94.2&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">133.4&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160; Source: Bloomberg Total Return Analysis</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">46   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_40"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="padding-left:47.25pt;text-indent:-47.25pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item&#160;6. </span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Selected Financial Data.  </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth our selected financial and other operating information. The selected financial data in the table is derived from our consolidated financial statements. The data should be read in conjunction with the consolidated financial statements, related notes, and Item&#160;7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations.&#8221; </span></div><div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.690%"><tr><td style="width:1.0%"></td><td style="width:40.540%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.904%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.152%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.061%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.152%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.061%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.152%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.219%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.625%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.061%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.473%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#160;Years Ended December 31,<br/>(dollars in millions, except per share amounts)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2018</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2017</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Operating Data:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,395&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,480&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,623&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,413&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,129&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-interest income (loss)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">632&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">331&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(52)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total revenue</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,027&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,811&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,672&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,361&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,126&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,161&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">881&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">578&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">487&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">289&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Basic earnings per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.67&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.27&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.31&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.08&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.63&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Diluted earnings per common share</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.30&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.07&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.62&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Dividends per common share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.20&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Return on common stockholders&#8217; equity</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">45&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest margin</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.81&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.81&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.76&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.10&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.93&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Return on assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.92&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.84&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.96&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.01&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.43&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Dividend payout ratio</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average equity/average assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.09&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.23&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.56&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.92&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Balance Sheet Data:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total education loans held for investment portfolio, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,318&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,172&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,680&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,143&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,174&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Personal Loans held for investment, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">984&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,128&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">394&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Credit Cards held for investment, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,222&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,770&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">32,686&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,638&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,780&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,828&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,666&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,284&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,943&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,505&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,931&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,189&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,643&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,284&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,275&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total SLM Corporation stockholders&#8217; equity</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,150&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,563&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,312&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,973&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,474&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Book value per common share</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.81&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.16&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.91&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.90&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.80&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-top:9pt;padding-left:36pt;padding-right:27pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">(1) Common stock dividend declarations are subject to determination by, and the discretion of, our Board of Directors. We may change our common stock dividend policy at any time. We did not pay common stock dividends in fiscal years 2018 and 2017.</span></div><div style="margin-top:9pt;padding-left:36pt;padding-right:27pt"><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">47</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_43"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div><span><br/></span></div><div style="padding-left:47.25pt;text-indent:-47.25pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item&#160;7. </span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">The following discussion and analysis should be read in conjunction with our consolidated financial statements and related notes included elsewhere in this Annual Report on Form&#160;10-K. This discussion and analysis also contains forward-looking statements and should be read in conjunction with the disclosures and information contained in &#8220;Forward-Looking and Cautionary Statements&#8221; and Item&#160;1A. &#8220;Risk Factors&#8221; in this Annual Report on Form&#160;10-K. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Through this discussion and analysis, we intend to provide the reader with some narrative context for how our management views our consolidated financial statements, additional context within which to assess our operating results, and information on the quality and variability of our earnings, liquidity, and cash flows. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div id="i35472170320a48e7aebfc3743129a2e0_1099511629550"></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Impact of COVID-19 on Sallie Mae </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the first quarter of 2020, the outbreak of COVID-19 began to spread worldwide and has caused significant disruptions to the U.S. and world economies. On March 11, 2020, the World Health Organization declared the COVID-19 outbreak to be a pandemic. On March 13, 2020, then President Trump declared a national emergency, which made federal funds available to respond to the crisis. Beginning on March 15, 2020, many businesses closed or reduced hours throughout the U.S. to combat the spread of COVID-19. Throughout 2020, all 50 states reported cases of COVID-19 and each implemented various containment efforts, including lockdowns on non-essential businesses and work from home regimes. As a result of these measures, in early 2020 the unemployment rate increased dramatically. In response, we offered disaster forbearance to those customers who contacted us and were negatively affected by COVID-19. The second half of 2020 saw improvements in economic and consumer trends, but continued waves of new cases of COVID-19 created continued uncertainty in the economic environment. However, at the end of the fourth quarter of 2020 and into the first quarter of 2021, the rollout of new vaccines and the ratification of two additional stimulus laws resulted in lower infection rates and significant improvement in the outlook of the economy. The improved outlook in the economy has contributed to faster prepayment rates. We have continued to see improved trends in unemployment rates in 2021 despite the increase in COVID-19 infections from the Delta and Omicron variants that occurred in the latter half of 2021.  </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The impact of COVID-19 is felt by our colleagues, our customers, and our communities. In response to COVID-19, we implemented efforts to safeguard our team members and enabled a remote work environment. In addition, we have taken steps to help our customers in this time of crisis. Further, The Sallie Mae Fund, our charitable arm, has made contributions to assist in our hometown communities. The following discussion highlights how we are responding and the expected impacts of COVID-19 on our business. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The COVID-19 crisis is unprecedented and has had a significant impact on the economic environment globally and in the U.S. While we have highlighted below how we have responded to the pandemic and described its financial impact, there is a significant amount of uncertainty as to the length and breadth of the impact to the U.S. economy and, consequently, on us. Economists expect the impact of COVID-19 on the U.S. economy to continue to be significant into 2022 and beyond. Accordingly, the information below should be read in conjunction with our COVID-19 pandemic risk factor, see Part I, Item 1A. &#8220;Risk Factors - Pandemic Risk &#8221; in this annual report on Form 10-K. In addition, see the forward-looking and cautionary statements discussion in this annual report on Form 10-K. Forward-looking statements are subject to risks, uncertainties, assumptions, and other factors that may cause actual results to be materially different from those reflected in such forward-looking statements. These factors include, among others, the risks and uncertainties set forth in Part I, Item 1A. &#8220;Risk Factors&#8221; and elsewhere in this annual report on Form 10-K.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;text-decoration:underline">Customers and Credit Performance</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">COVID-19 is having far reaching, negative impacts on individuals and businesses.  Specifically, COVID-19 has materially disrupted business operations throughout the country, resulting in supply chain disruptions and inflationary pressures. As a result, we expect many of our individual customers will experience financial hardship, creating a challenge to meet credit standards for new loan originations and making it difficult, if not impossible, to fulfill their payment obligations to us without temporary assistance. We are monitoring key metrics as early warning indicators of financial hardship, including changes in weekly unemployment claims, enrollment in auto-debit payments, requests for new forbearances, enrollment in hardship payment plans, and early delinquency metrics.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the negative impact on employment from COVID-19, our customers are experiencing higher levels of financial hardship, which initially led to elevated levels of forbearance, as we provided disaster forbearance to borrowers who requested it. We are seeing higher levels of delinquencies and defaults and expect that to continue into the future, as borrowers who had received disaster forbearance from us re-enter repayment status. We expect that, left unabated, this </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">48   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">deterioration in forbearance, delinquency, and default rates will persist until such time as the economy and employment return to relatively normal levels. This past year has shown us that there is a lot of uncertainty regarding COVID-19 as two new variants caused a significant increase in infections. We maintain an allowance for credit losses that incorporates multiple economic scenarios. For the year ended December 31, 2021, we considered the current economic forecasts as well as how the significant uncertainty may affect future unemployment rates and the economy in estimating our allowance for credit losses. We could experience significant changes in our allowance for credit losses as the economic impact of the COVID-19 pandemic becomes clearer. The process for determining our allowance contemplates material external factors that may require management adjustments. We used Moody&#8217;s Analytics economic forecasts in estimating the losses on our loan portfolio. </span></div><div style="margin-top:6pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Historically, we have utilized disaster forbearance to assist borrowers affected by material events, including hurricanes, wildfires, floods, and the COVID-19 pandemic. We typically grant disaster forbearance to affected borrowers in increments of up to three months at a time, but the disaster forbearance granted generally does not apply toward the 12-month forbearance limit described later in this Form 10-K. In accordance with regulatory guidance that encourages lenders to work constructively with customers who have been impacted by COVID-19, we invoked this same disaster forbearance program to assist our customers through COVID-19 and offered this program across our operations, including through mobile and self-service channels such as chat and IVR to address initial high volumes at the onset of the pandemic. During 2021, we ended all COVID-19 disaster forbearances and at December 31, 2021, there were no loans under a disaster forbearance program related to COVID-19.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">To make it as easy as possible to access the assistance our customers need, we have communicated to them multiple times and in multiple ways. At the start of the pandemic, we sent all our customers an email explaining their self-serve options and how to contact us if they need assistance. We continue to send e-mails to those customers who enrolled for COVID-19 disaster forbearance and we regularly update our website at www.SallieMae.com/coronavirus with the latest information on how our customers can access their account and get assistance or payment relief, if needed. We expect that, as the economic impact of COVID-19 evolves, we will continue to evaluate the measures we have put in place to assist our customers during this unprecedented time. We continue to adapt and evolve our customer care and collections practices to meet the needs of our customers, while operating in a safe and sound manner. See also &#8220;&#8212; Financial Results&#8221; in this section for further discussion of the impact of the COVID-19 pandemic on students returning to college campuses.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;text-decoration:underline">Our Team Members</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our team members have been affected by COVID-19 in many ways, including disruptions due to unexpected school and day-care closings, family underemployment or unemployment, and learning how to work remotely with, in some cases, new tools and technology to learn and support that work. Our goal has been to support our team members during the present uncertainty while meeting the needs of our customers and providing business continuity. Early in the crisis, we provided our team members with information about best practices to prevent the spread of COVID-19 and other viruses or illnesses. We enabled substantially all of our workforce to work remotely. In addition, we have limited in-person meetings, non-employee visits to our locations, and non-essential business travel.  </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the second quarter of 2021, we communicated our return to office plans to our team members. Based on the national and local guidelines, we developed a phased-in approach for returning to the office. Under this phased-in approach, we opened our offices in early July 2021 for employees who wanted to voluntarily come to the office. We had planned for a more substantial return to our campuses in early October; however, with the increase in new cases due to the COVID-19 Delta and Omicron variants, we postponed a more fulsome return to our offices until April 2022. The return to our offices will include enhanced safety protocols and processes to provide the best working environment for our team members and we will implement limited flexible work-from-home schedules for employees. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;text-decoration:underline">Operations</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have robust pandemic and business continuity plans that include our business units and technology environments. When COVID-19 advanced to a pandemic, we activated our business continuity plan. As an element of the plan, we activated our Executive Crisis Management Team (&#8220;ECMT&#8221;), a group of the most senior managers across the enterprise. The ECMT directed a series of activities to address the health and safety of our workforce, to assist customers, to sustain business operations, and to address our management of other ongoing pandemic activities.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In response to a growing infected population across the United States in 2020, we executed plans for social-distancing in our facilities and implemented work-from-home contingencies. As the virus spread, we created remote-working capabilities for our teams and consulted with regulators about our plans. We also completed a series of additional steps to appropriately ensure compliance with our telecommuting policy. The policy is designed to create a secure at-home work environment that protects our customers&#8217; information and transactions while also providing the necessary technology capabilities to enable effective remote-working for our team members.  </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">49</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, we enhanced the functionality of our chatbot, IVR, mobile app, and website features to help our customers manage their accounts.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Most teams continue to work remotely at this time; however, we continue to see productivity and customer satisfaction survey result at pre-pandemic levels. Our technology infrastructure is sufficient to maintain a remote-working environment for the vast majority of our workforce for the foreseeable future.  </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;text-decoration:underline">Liquidity and Capital </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Over the course of 2019, we significantly increased our overall liquidity position for risk management purposes and enhanced our liquidity stress testing regime. As a result of these efforts and the activities that occurred in 2020, described below, we currently believe our liquidity position is stable and we expect to be able to fund our business operations through 2022. Because of the disruptions in the capital markets that occurred at the onset of the pandemic, in the first quarter of 2020 we implemented our Contingency Funding Plan, which entailed monitoring and reporting to management our liquidity position and the health of deposit and asset-backed securities markets. In times of financial distress, we often see a flight to quality, where investors seek safer places to invest their money, such as insured bank deposits and in securities such as U.S. Treasuries and government- sponsored debt and mortgage-backed securities. We saw similar trends in the marketplace during this crisis and expect that as a well-capitalized insured depository institution, we will have ample access to deposit markets. As pandemic-related capital market disruptions abated, we de-activated the Contingency Funding Plan in October 2020, but have continued to remain watchful for signs of renewed market stress as the pandemic evolves. Maintaining our focus on earnings quality as well as prudent liquidity management, we actively managed the cost of our retail deposits downward in response to the rapid downturn in short-term interest rates in the first nine months of 2020. Rates were further managed downward in early 2021, and were increased slightly in the second half of the year as market rates began to rise. Despite the lower deposit rates, we have experienced only moderate retail deposit outflows, primarily in term CDs, that are within the outflow targets our Asset and Liability Committee approved. In addition, we were able to access the brokered deposit, asset-backed security, and unsecured debt markets throughout 2020 and 2021. We manage our capital position through a rigorous capital stress testing regime. As a result, we believe that, given the high quality of our Private Education Loan portfolio, we have sufficient capital to withstand our current estimate in the event of a downturn. If circumstances surrounding COVID-19 change in a significantly more adverse way, however, it is possible our liquidity and regulatory capital position could be materially and adversely affected, which could materially and adversely impact our business operations and our overall financial condition. See &#8220;Liquidity and Capital Resources&#8221; and &#8220;Borrowings&#8221; for additional discussion on our capital and funding activities. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regulatory agencies have also provided regulatory capital relief to financial institutions as a result of the crisis.  See &#8220; &#8212; Financial Results&#8221; for additional discussion regarding the regulatory relief.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;text-decoration:underline">Regulatory</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are regulated by the FDIC, the UDFI, and the CFPB. These agencies have encouraged regulated entities to work constructively with customers affected by COVID-19 and have provided guidance regarding loan modifications. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The federal banking regulators have stated that working with customers who are current on existing loans, either individually or as part of a program for creditworthy customers who are experiencing short-term financial or operational problems as a result COVID-19, generally would not be considered TDRs (as hereinafter defined). For modification programs, such as forbearance, designed to provide short-term relief for current customers affected by COVID-19, we may presume that customers who are current on payments are not experiencing financial difficulties at the time of the modification for purposes of determining TDR status, and thus no further TDR analysis is required for each loan modification in the program.   </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the federal banking regulators have indicated their examiners will exercise judgment in reviewing loan modifications, including TDRs, and will not automatically adversely risk-rate credits that are affected by COVID-19, including those considered TDRs. Regardless of whether modifications result in loans being considered TDRs or adversely classified, the federal banking regulators have indicated their examiners will not criticize prudent efforts to modify the terms of existing loans to affected customers.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;text-decoration:underline">Community</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In response to the exceptional needs in our communities, during 2021, our team members volunteered more than 1,100 hours and donated nearly $50,000 through our matching gift program to charitable organizations. Additionally, through a combination of individual and team led fundraising and "Adopt-A-Family"/"Adopt-A-School" programs, team members also donated clothes to needy families, 20 boxes of school supplies, totaling 14,305 items to local middle and elementary schools, and raised nearly $7,000 to help children and families facing serious illnesses and challenging </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">50   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">financial situations because of required medical care.  We view these efforts as extensions of our core mission. Strong communities become the launching pads for students&#8217; academic endeavors.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;text-decoration:underline">Financial Result</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">s</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the year ended December 31, 2021, we considered the current economic forecasts as well as the how the significant uncertainty surrounding COVID-19 may affect future unemployment rates and the economy in estimating our allowance for credit losses. During the first quarter of 2021, we increased our estimates of future prepayment speeds during both the two-year reasonable and supportable period as well as the remaining term of the underlying loans, and in the fourth quarter of 2021 we increased them again for the remaining term of the underlying loans. These faster estimated prepayment speeds during the two-year reasonable and supportable period reflect the significant improvement in economic forecasts, as well as the implementation of an updated prepayment speed model. We experienced higher prepayments during the COVID-19 pandemic, when unemployment rates were elevated, than we would have expected based upon our experience during past financial crises.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In determining the adequacy of the allowance for credit losses, we include forecasts of college graduate unemployment and the Consumer Price Index in our loss forecasting models. We obtain forecasts for these two inputs from Moody&#8217;s Analytics. Moody&#8217;s Analytics provides a range of forecasts for each of these inputs with various likelihoods of occurring. We determine which forecasts we will include in our estimation of allowance for credit losses and the associated weightings for each of these inputs. At January 1, 2020 (the initial adoption date of CECL), December 31, 2020, and December 31, 2021, we used the Base (50th percentile likelihood of occurring)/S1 (stronger near-term growth scenario with 10 percent likelihood of occurring)/S3 (downside scenario with 10 percent likelihood of occurring) scenarios and weighted them 40 percent, 30 percent, and 30 percent, respectively. Management reviews both the scenarios and their respective weightings each quarter in determining the allowance for credit losses. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Provisions for credit losses for the year ended December 31, 2021 decreased by $126 million compared with the year-ago period. This decrease of $126 million in 2021 compared with the year-ago period was primarily the result of improving economic forecasts in 2021 and faster prepayment speeds. During the first quarter of 2021, we increased our estimates of future prepayment speeds during both the two-year reasonable and supportable period as well as the remaining term of the underlying loans. These faster estimated prepayment speeds during the two-year reasonable and supportable period reflect the significant improvement in economic forecasts, as well as the implementation of an updated prepayment speed model. In the fourth quarter of 2021, we increased our long-term estimate of prepayment speeds to reflect higher long-term prepayment experience. Partially offsetting these benefits were additional provisions to reflect the adoption of our credit administration practices changes and other management overlays. As COVID-19 continues to impact the economy, the Company could continue to experience significant changes in its allowance for credit losses in 2022. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Private Education Loans (held for investment) in forbearance as a percentage of held for investment Private Education Loans in repayment and forbearance was 1.9 percent at December 31, 2021, compared to 4.3 percent at December 31, 2020. The forbearance rate on December 31, 2021 was lower than on December 31, 2020 due to our ending disaster forbearance related to COVID-19 in June 2021 and our adoption of the previously announced planned credit administration practices changes. Delinquencies at December 31, 2021, as a percentage of Private Education Loans in repayment, increased to 3.3 percent from 2.8 percent at December 31, 2020. The increase in delinquencies was primarily due to the ending of the disaster forbearance program related to COVID-19 and the adoption of the new credit administration practices changes.  </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">For the start of the 2021-2022 academic year, the majority of colleges, universities, and trade schools returned to in-person classes while offering full residential options. While these schools moved away from an emphasis on hybrid and online policies, some regional reports indicate an increase in colleges maintaining online classes as a safety precaution, due to the recent uptick in COVID-19 variant infections.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">For some students, going back to school in the fall of 2020 was not an option because of the pandemic or for other reasons. Therefore, some students took a &#8220;gap year&#8221; before returning to school. In 2020, for those students that had unexpectedly separated from school, we had provided an extension of time, until the fall of 2021, to re-enroll before beginning their grace period that occurs upon separation from school and prior to entering full principal and interest repayment status. At December 31, 2020, $1.0 billion of Private Education Loans had been granted during this extended period of time. Beginning September 30, 2021, we no longer granted this &#8220;gap year&#8221; extension. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 27, 2020, then President Trump signed into law the Coronavirus Aid, Relief, and Economic Security Act (the &#8220;CARES Act&#8221;), which, among other things, allows us to (i) elect to suspend the requirements under GAAP for loan modifications related to COVID-19 that would otherwise be categorized as troubled debt restructurings (&#8220;TDRs&#8221;), and (ii) suspend any determination of a loan modified as a result of the effects of COVID-19 as being a TDR, including impairment </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">51</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">for accounting purposes. Furthermore, on December 27, 2020, the Consolidated Appropriations Act, 2021 (&#8220;CAA&#8221;) was signed into law. The CAA provides for additional COVID-19 focused relief and extends certain provisions of the CARES Act. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have elected to suspend TDR accounting for modifications of loans that occur as a result of COVID-19 for the applicable period of the CARES Act and CAA relief. The relief from TDR guidance applies to modifications of loans that were not more than 30 days past due as of December 31, 2019, and that occur during the period beginning on March 1, 2020, and ending on the earlier of (i) sixty days after the date on which the national emergency related to the COVID-19 outbreak is terminated, or (ii) January 1, 2022. We are continuing to apply TDR accounting to those loans that were more than 30 days past due as of December 31, 2019 and were subsequently modified.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopt</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">CECL during the 2020 calendar year, including the Bank, may elect to delay for two years, and then phase in over the following three years, the effects on regulatory capital of CECL relative to the incurred loss methodology. The Bank has elected to use this option. Therefore, the regulatory capital impact of the Bank&#8217;s transition adjustments recorded on January 1, 2020 from the adoption of CECL, and 25 percent of the ongoing impact of CECL on the Bank&#8217;s allowance for credit losses, retained earnings, and average total consolidated assets, each as reported for regulatory capital purposes (collectively, the &#8220;adjusted transition amounts&#8221;), were deferred for the two-year period ending January 1, 2022. From January 1, 2022 to January 1, 2025, the adjusted transition amounts will be phased in for regulatory capital purposes at a rate of 25 percent per year, with the phased-in amounts included in regulatory capital at the beginning of each year. The Bank&#8217;s January 1, 2020 CECL transition amounts increased our allowance for credit losses by $1.1&#160;billion, increased the liability representing our off-balance sheet exposure for unfunded commitments by $116&#160;million, and increased our deferred tax asset by $306&#160;million, resulting in a cumulative effect adjustment that reduced retained earnings by $953&#160;million. This transition adjustment was inclusive of qualitative adjustments incorporated into our CECL allowance as necessary, to address any limitations in the models used. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December 31, 2021, the adjusted transition amounts, reflecting changes over the two-year phase-in period, that will be deferred for regulatory capital purposes are as follows: </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.111%"><tr><td style="width:1.0%"></td><td style="width:27.657%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.678%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.784%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.256%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.362%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.256%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.362%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.079%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.366%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Transition Amounts</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Adjustments for the Year Ended</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Adjustments for the Year Ended</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Adjusted Transition Amounts</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">January 1, 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2021</span></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Retained earnings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">952,639&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(57,859)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(58,429)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">836,351&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,143,053&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(55,811)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(49,097)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,038,145&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Liability for unfunded commitments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">115,758&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,048)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,333)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">104,377&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax asset</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">306,171&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">306,171&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div style="margin-top:13.5pt"><span><br/></span></div><div style="padding-left:11.25pt;text-indent:24.75pt"><span><br/></span></div><div><span><br/></span></div><div style="padding-left:27pt;padding-right:27pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">52   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_1099511629567"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:13.5pt;padding-left:47.25pt;text-indent:36pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following discussion and analysis presents a review of our business and operations as of and for the year ended December&#160;31, 2021.</span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Key Financial Measures </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Set forth below are brief summaries of our key financial measures. Our operating results are primarily driven by net interest income from our Private Education Loan portfolio, gains and losses on loan sales, provision expense for credit losses, and operating expenses. The growth of our business and the strength of our financial condition are primarily driven by our ability to achieve our annual Private Education Loan origination goals while sustaining credit quality and maintaining cost-efficient funding sources to support our originations.</span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Net Interest Income</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Most of our earnings are generated from the interest income earned on assets in our education loan portfolios and on Credit Cards, net of the interest expense we pay on the funding for those loans. We report these earnings as net interest income. We also often refer to the net interest margin, which is the net interest yield earned on our interest-earning assets less the rate paid on our related interest-bearing liabilities. The majority of our interest income comes from our Private Education Loan portfolio. FFELP Loans have a lower net interest yield and carry lower risk than Private Education Loans, as a result of the federal government guarantee supporting FFELP Loans. </span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loan Sales and Secured Financings</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We may sell loans to third-parties through whole loan sales, securitizations, or other similar transactions. We typically retain servicing of loans subsequent to their sale and earn revenue for this servicing at prevailing market rates for such services. Selling loans removes the loan assets from our balance sheet and helps us manage our asset growth, capital, and liquidity needs. Alternatively, we may use loans as collateral in connection with the creation of asset-backed securitizations or secured funding facilities structured as financings. These types of transactions may provide us long-term financing, but they do not remove loan assets from our balance sheet, nor do they generate gains on sales of loans, net. Consequently, our operating results may be significantly affected by whether we choose to sell loans and recognize current gains on sale or continue to hold or finance loans, thereby retaining some or all the net interest income from those loans. In 2021, we recognized $548&#160;million in gains from the sale of approximately $4.24&#160;billion of our Private Education Loans, including $3.98&#160;billion of principal and $264&#160;million in capitalized interest, to unaffiliated third parties. For additional information, see Notes to Consolidated Financial Statements, Note 5, &#8220;Loans Held for Investment.&#8221;</span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Allowance for Credit Losses</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management estimates and maintains an allowance for credit losses for the lifetime expected credit losses on loans in our portfolios, as well as for future loan commitments, at the reporting date. See Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8212; Critical Accounting Policies and Estimates &#8212; Allowance for Credit Losses.&#8221; Allowances for credit losses are an important indicator of management&#8217;s perspective on the future performance of a loan portfolio. Each quarter, management makes an adjustment to the allowance for credit losses to reflect its most up-to-date estimate of future losses by recording a charge against quarterly revenues known as provision expense. As they occur, actual loan charge-offs and recoveries are then charged or credited, respectively, against the allowance for credit losses rather than against earnings.  </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for credit losses and provision expense rise in periods of high loan origination, when future charge-offs are expected to increase, and fall when future charge-offs are expected to decline. We bear the full credit exposure on our Private Education Loans and Credit Cards. Losses on our Private Education Loans are affected by risk characteristics such as loan status (in-school, grace, forbearance, repayment, and delinquency), loan seasoning (number of months in active repayment), underwriting criteria (e.g., credit&#160;scores), presence of a cosigner, and the current economic environment. See &#8220;CREDIT RISK - Defaults on our loans, particularly Private Education Loans, could adversely affect our business, financial position, results of operations, and/or cash flows</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; in Item 1A. &#8220;Risk Factors&#8221; for additional information. Losses typically emerge once a borrower separates from school and enters full principal and interest repayment after the borrower&#8217;s grace period (six months, typically) ends. As a larger proportion of our Private Education Loan portfolio enters full principal and interest repayment in the coming years, we would expect the amount of TDRs, and charge-offs, to increase. </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">53</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our allowance for credit losses for FFELP Loans and related periodic provision expense are small because we generally bear a maximum of three&#160;percent loss exposure due to the federal guarantee on such loans. We maintain an allowance for credit losses for our FFELP Loans at a level sufficient to cover lifetime expected credit losses. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain an allowance for Credit Card losses at an amount sufficient to absorb losses estimated to cover lifetime expected credit losses. Because our Credit Card portfolio is relatively new and we do not have sufficient historical loss experience, we use estimated loss rates reported by other financial institutions to estimate our allowance for credit losses for Credit Cards, net of expected recoveries. In addition, we use a model that utilizes purchased credit card information with risk characteristics similar to those of our own portfolio as a challenger model. We then consider any qualitative factors that may change our future expectations of losses. As all of our Credit Card loans are unconditionally cancelable by us, the issuer, we do not record any estimate of credit losses for unused portions of our Credit Card commitments. </span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Charge-Offs and Delinquencies </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Delinquencies are another important indicator of potential future credit performance. When a Private Education Loan reaches 120 days delinquent, it is charged against the allowance for credit losses. We charge off Credit Cards when they are 180 days delinquent. Charge-off data provides relevant information with respect to the actual performance of a loan portfolio over time. Management focuses on delinquencies as well as the progression of loans from early to late stage delinquency as a key metric in estimating the allowance for credit losses and tailoring its future collections strategies. We manage our charged-off loans through a mix of in-house collectors, third-party collectors, and sales to third-parties.</span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Operating Expenses</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The cost of operating our business directly affects our profitability. We strive to manage growth in our business in a prudent fashion by focusing on investments to improve efficiency throughout the Company. We monitor and report internally various metrics, including cost to acquire and cost to service our loans (which include both owned and serviced loans), among others. The cost to acquire is affected by such variables as technology, personnel, and marketing costs. Servicing expenses primarily include compensation and benefit expenses related to our collections, customer support, and payment processing employees, and technology costs and other expenses associated with facilitating and servicing borrowers. Costs to service can vary period to period based upon seasonality and borrower payment status. The cost to service a delinquent borrower is significantly higher than the cost to service a current or in-school borrower. </span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Non-GAAP &#8220;Core Earnings&#8221;</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We prepare financial statements in accordance with GAAP. However, we also produce and report our after-tax earnings on a separate basis that we refer to as non-GAAP &#8220;Core Earnings.&#8221; The difference between our non-GAAP &#8220;Core Earnings&#8221; and GAAP results for periods presented generally is driven by the unrealized, mark-to-fair value gains (losses) on derivative contracts recognized in GAAP, but not in non-GAAP &#8220;Core Earnings.&#8221;</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Non-GAAP &#8220;Core Earnings&#8221; recognizes the difference in accounting treatment based upon whether a derivative qualifies for hedge accounting treatment. We enter into derivative instruments to economically hedge interest rate and cash flow risk associated with our portfolio. We believe that our derivatives are effective economic hedges and, as such, are a critical element of our interest rate risk management strategy. Those derivative instruments that qualify for hedge accounting treatment have their related cash flows recorded in interest income or interest expense along with the hedged item. Some of our derivatives do not qualify for hedge accounting treatment and the stand-alone derivative must be marked-to-fair value in the income statement with no consideration for the corresponding change in fair value of the hedged item. These gains and losses, recorded in &#8220;Gains (losses) on derivatives and hedging activities, net,&#8221; are primarily caused by interest rate volatility and changing credit spreads during the period as well as the volume and term of derivatives not receiving hedge accounting treatment. Cash flows on derivative instruments that do not qualify for hedge accounting are not recorded in interest income and interest expense; they are recorded in non-interest income: &#8220;Gains (losses) on derivatives and hedging activities, net.&#8221;</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The adjustments required to reconcile from our non-GAAP &#8220;Core Earnings&#8221; results to our GAAP results of operations, net of tax, relate to differing treatments for those derivative instruments used to hedge our economic risks that do not qualify for hedge accounting treatment. The amount recorded in &#8220;Gains (losses) on derivatives and hedging activities, net&#8221; includes (i) the accrual of the current payment on the interest rate swaps that do not qualify for hedge accounting treatment, and (ii) the change in fair values related to future expected cash flows for derivatives that </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">54   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">do not qualify for hedge accounting treatment. For purposes of non-GAAP &#8220;Core Earnings,&#8221; we include in GAAP earnings the current period accrual amounts (interest reclassification) on the swaps and exclude the change in fair values for those derivatives not qualifying for hedge accounting treatment. Non-GAAP &#8220;Core Earnings&#8221; is meant to represent what earnings would have been had these derivatives qualified for hedge accounting and there was no ineffectiveness.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Non-GAAP &#8220;Core Earnings&#8221; are not a substitute for reported results under GAAP. We provide a non-GAAP &#8220;Core Earnings&#8221; basis of presentation because (i) earnings per share computed on a non-GAAP &#8220;Core Earnings&#8221; basis is one of several measures we utilize in establishing management incentive compensation, and (ii) we believe it better reflects the financial results for derivatives that are economic hedges of interest rate risk, but which do not qualify for hedge accounting treatment.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">GAAP provides a uniform, comprehensive basis of accounting. Our non-GAAP &#8220;Core Earnings&#8221; basis of presentation differs from GAAP in the way it treats derivatives as described above. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table shows the amount in &#8220;Gains (losses) on derivatives and hedging activities, net&#8221; that relates to the interest reclassification on the derivative contracts. </span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:80.316%"><tr><td style="width:1.0%"></td><td style="width:49.526%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.694%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.463%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.694%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.463%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.694%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.466%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrealized gains (losses) on instruments not in a hedging relationship</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(23,216)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,164&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,469&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest reclassification</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,360&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">39,380&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,644)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Gains on derivatives and hedging activities, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">144&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49,544&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,825&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:3pt;padding-left:72pt;padding-right:54pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">55</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table reflects adjustments associated with our derivative activities. </span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.649%"><tr><td style="width:1.0%"></td><td style="width:54.167%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.000%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.000%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.003%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands, except per share amounts)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Non-GAAP &#8220;Core Earnings&#8221; adjustments to GAAP:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">GAAP net income </span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,160,513&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">880,690&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">578,276&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,736&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,734&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,837&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">GAAP net income attributable to SLM Corporation common stock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,155,777&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">870,956&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">561,439&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjustments:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net impact of derivative accounting</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,216&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10,164)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(19,469)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net tax expense (benefit)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,615&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,481)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,758)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total non-GAAP &#8220;Core Earnings&#8221; adjustments to GAAP</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,601&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,683)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(14,711)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Non-GAAP &#8220;Core Earnings&#8221; attributable to SLM Corporation common stock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,173,378&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">863,273&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">546,728&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">GAAP diluted earnings per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.61&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.25&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.30&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivative adjustments, net of tax</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.06&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.02)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.03)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Non-GAAP &#8220;Core Earnings&#8221; diluted earnings per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.67&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.23&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.27&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:36pt;padding-right:36pt"><span><br/></span></div><div style="padding-left:36pt;padding-right:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1) Derivative Accounting: Non-GAAP &#8220;Core Earnings&#8221; exclude periodic unrealized gains and losses caused by the mark-to-fair value valuations on derivatives that do not qualify for hedge accounting treatment under GAAP, but include current period accruals on the derivative instruments. Under GAAP, for our derivatives held to maturity, the cumulative net unrealized gain or loss over the life of the contract will equal $0.</span></div><div style="padding-left:36pt;padding-right:36pt"><span><br/></span></div><div style="padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2) Non-GAAP &#8220;Core Earnings&#8221; tax rate is based on the effective tax rate at the Bank, where the derivative instruments are held. </span></div><div style="padding-left:36pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table reflects our provisions for credit losses and total portfolio net charge-offs:</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.005%"><tr><td style="width:1.0%"></td><td style="width:46.726%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.346%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.346%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.347%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Provisions for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(32,957)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">93,133&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">354,249&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total portfolio net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(200,762)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(216,036)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(253,143)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:72pt"><span><br/></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Beginning in 2020, we began to evaluate management&#8217;s performance internally using a measure that starts with Non-GAAP &#8220;Core Earnings&#8221; net income as disclosed above for a period, and further adjusting it by increasing it by the impact of GAAP provisions for credit losses, and decreasing it by the total portfolio net charge-offs recorded in that period, net of the tax impact of these adjustments.</span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">56   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Private Education Loan Originations</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Private Education Loans are the principal asset on our balance sheet, and the amount of new Private Education Loan originations we generate each year is a key indicator of the trajectory of our business, including our future earnings and asset growth. </span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Funding Sources</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Deposits </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We utilize brokered, retail, and other core deposits to meet funding needs and enhance our liquidity position. These deposits can be term or liquid deposits. Our term brokered deposits have terms as long as seven years. Interest rates on a portion of our long-term deposits are swapped into one-month LIBOR. This structure has the effect of transforming the interest rate characteristics of these deposits to match the index on which the majority of our assets reset, thereby minimizing our exposure to interest rate risk. Retail deposits are sourced through a direct banking platform and serve as an important source of diversified funding. Brokered deposits are sourced through a network of brokers and provide a stable source of funding. In addition, we accept certain deposits considered non-brokered that are held in large accounts structured to allow FDIC insurance to flow through to underlying individual depositors. We diversify our funding sources with deposits from Educational 529 savings plan and Health Savings plans. These and other large omnibus accounts, aggregating the deposits of many individual depositors, represented $7.3 billion of our deposit totals as of December&#160;31, 2021.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loan Securitizations </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have diversified our funding sources by issuing term ABS and by entering into the Secured Borrowing Facility. Term ABS financing provides long-term funding for our Private Education Loan portfolio at attractive interest rates and at terms that effectively match the average life of the assets. Loans associated with these transactions will remain on our balance sheet if we retain the residual interest in the related trusts. The Secured Borrowing Facility provides an extremely flexible source of funds that can be drawn upon on short notice to meet funding needs within the Bank. Borrowings under our Secured Borrowing Facility are accounted for as secured financings. </span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">LIBOR Transition </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Following announcements by the UKFCA, which regulates LIBOR, and ICE Benchmark Administration Limited, the administrator of LIBOR, publication of 1-week and 2-month USD LIBOR and all tenors for other currencies ceased after December 31, 2021.  While publication of the remaining USD settings is expected to cease after June 30, 2023, U.S. banking and other global financial services regulators have directed regulated institutions to cease entering into new LIBOR-based contracts as soon as practicable and in any event by the end of 2021.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2020, we launched a formal cross-functional replacement project with the goal of ensuring a smooth transition to a replacement index for our LIBOR-based assets and obligations with minimal negative impact on our customers, investors, and the Company&#8217;s business, financial condition, and results of operations.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The project team monitors developments, assesses impacts, proposes plans and, with the approval of an executive committee, implements changes. The Chief Financial Officer and/or project team reports status regularly to our Board of Directors. In 2020, we began accepting certain deposits based on SOFR. In the second quarter of 2021, we began issuing variable-rate Private Education Loans that are indexed to SOFR. In 2022, subject to market conditions and investor demand, we expect to begin issuing ABS that are indexed to SOFR and to renew the Secured Borrowing Facility with an index based on SOFR.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Substantially all our assets, liabilities, and off-balance sheet items referencing LIBOR are comprised of Private Education Loans originated before April 2021, deposits, variable-rate ABS, and derivatives. In addition, our Series B Preferred Stock is indexed to LIBOR. We plan to transition these exposures to LIBOR by changing them to an alternative reference rate, either through modification or replacement, by June 30, 2023, although we may accelerate the transition of our legacy Private Education Loans depending upon a number of considerations, including regulatory guidance. Approximately $339 million of our variable-rate ABS (those issued before November 2017) do not have fallback provisions for an alternative reference rate and we intend to rely upon the safe harbors provided by proposed federal legislation, which is currently drafted to supersede state legislation, and/or current New York legislation to transition these ABS to an alternative reference rate. Generally, the safe harbors will shield parties from liability for transitioning certain USD LIBOR-indexed contracts (generally, those that do not have provisions for an alternative </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">57</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">reference rate) to SOFR and will render nonactionable any claims brought by parties to such contracts that allege breach of contract based on another party&#8217;s use of SOFR. We have evaluated the potential basis risk associated with a mismatch in variable-rate assets and liabilities, including any mismatches related to (i) legacy assets and liabilities that remain indexed to LIBOR up to June 2023 and newly issued assets and liabilities that are, or will be, indexed to SOFR and (ii) term SOFR-indexed assets and liabilities and average SOFR assets and liabilities. In all such cases, we have determined the basis risk is immaterial on an aggregate basis.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The chart below depicts our current LIBOR exposure at December 31, 2021.</span></div><div style="margin-top:3pt;text-align:center;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:51.293%"><tr><td style="width:1.0%"></td><td style="width:63.885%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.040%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:31.675%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">LIBOR <br/>Exposure</span></td></tr><tr style="height:12pt"><td colspan="9" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,680,263&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">590,660&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Available-for-sale investments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">70,087&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total Assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,341,010&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,202,554&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations - no contractual fallback</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">339,348&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations - alternative reference rate fallback</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">709,631&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total Liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,251,533&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total Equity (preferred stock)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">251,070&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total Liabilities and Equity</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,502,603&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Off-Balance Sheet:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pay LIBOR derivative notional</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,915,999&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Receive LIBOR derivative notional</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,438,144&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total derivative notional</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,354,143&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,000,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total Off-Balance Sheet</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,354,143&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:1pt;padding-left:240.75pt;padding-right:240.75pt;text-align:center"><span><br/></span></div><div style="margin-top:3pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Part I, Item 1A. &#8220;Risk Factors&#8221; in this Form 10-K for additional discussion regarding the risks associated with the transition from LIBOR. </span></div><div><span><br/></span></div><div><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="margin-top:4.5pt"><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">58   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_1099511629583"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:13.5pt;padding-left:47.25pt"><span><br/></span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Strategic Imperatives </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To further focus our business and increase shareholder value, we continue to advance our strategic imperatives. Our focus remains on maximizing the profitability and growth of our core private student loan business, while harnessing and optimizing the power of our brand and attractive client base. In addition, we continue to seek to better inform the external narrative about student lending and Sallie Mae&#8217;s role in helping students and families responsibly plan and pay for college. We also strive to maintain a rigorous and predictable capital allocation and return program to create shareholder value.  Our internal focus is to drive a mission-led culture that continues to make Sallie Mae a great place to work. Finally, we continue to strengthen our risk and compliance efforts, to enhance and build upon our risk management framework, and to keep focused and aligned on assessing and monitoring enterprise-wide risk. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">During 2021, we made the following progress on the above corporate strategic imperatives. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">New Servicing Call Center Platform and Rebranded Online Resource Tools</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In late March 2021, we migrated our servicing call center to a new integrated platform that will further our goal to deliver exceptional customer experiences. This new platform allows us to streamline our processes and provide efficiencies, thereby creating more customer-centric capabilities for our team members. We also relaunched our online resource to provide a centralized and simplified site that provides information on tools and resources for school counselors as they assist students and families plan and pay for college. We are also creating a suite of confidence inspiring tools and resources as well as new, innovative partnerships that will provide significant value to our customers.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Introduced new www.SallieMakesSense.com website </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We launched www.SallieMakesSense.com to help educate and inform policymakers, influencers, media, and others about who Sallie Mae is today and illustrate the important role we continue to play in helping students and families plan and pay for college. In addition to providing key statistics and information about the success of our customers, and the important role of private student lenders, the site also highlights the various tools and resources we provide families to make an informed decision about higher education. It also features content on the higher education landscape and our work in helping students complete their education. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2021 Loan Sales and 2021-A and 2021-C Transactions</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During 2021, we sold $4.24&#160;billion of our Private Education Loans, including $3.98&#160;billion in principal and $264&#160;million&#160;in capitalized interest, to unaffiliated third parties. The transactions qualified for sale treatment and removed the balance of the loans from our balance sheet on the respective settlement dates. We remained the servicer of these loans pursuant to applicable servicing agreements executed in connection with the sales. These sales resulted in our recognizing a gain of $548 million during 2021. For additional information regarding these transactions, see Notes to Consolidated Financial Statements, Note 5, &#8220;Loans Held for Investment&#8221; and Note 11, &#8220;Borrowings - Unconsolidated VIEs.&#8221; </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2021-B Securitization</span></div><div style="margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On May 19, 2021, we executed our $531&#160;million SMB Private Education Loan Trust 2021-B term ABS transaction, which was accounted for as a secured financing. We sold $531&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $529&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.26 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 0.77 percent. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2021-D Securitization</span></div><div style="margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On August 18, 2021, we executed our $527&#160;million SMB Private Education Loan Trust 2021-D term ABS transaction, which was accounted for as a secured financing. We sold $527&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $525&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.22 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 0.69 percent.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2021-E Securitization</span></div><div style="margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 9, 2021, we executed our $534&#160;million SMB Private Education Loan Trust 2021-E term ABS transaction, which was accounted for as a secured financing. We sold $534&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $532&#160;million of gross </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">59</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:8pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">proceeds. The Class A and Class B notes had a weighted average life of 4.15 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 0.69 percent. </span></div><div style="margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Final Settlement of ASR</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 26, 2021, we completed our ASR with a third-party financial institution and we received an additional 13&#160;million shares. In total, we repurchased 58&#160;million shares under the ASR at an average price per share of $9.01. For additional information regarding this ASR, see Notes to Consolidated Financial Statements, Note 13, &#8220;Stockholders&#8217; Equity.&#8221; </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Common Stock Tender Offer</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 2, 2021, we announced the commencement of the Tender Offer to purchase up to $1&#160;billion in aggregate purchase price of our outstanding shares of common stock, par value $0.20 per share. Pursuant to the Tender Offer, we repurchased 28.5&#160;million shares at a price of $16.50 per share. The purchase of shares settled on March 16, 2021, for an aggregate cost of approximately $472&#160;million, including fees and expenses related to the Tender Offer. We cancelled the 28.5&#160;million shares purchased in connection with the Tender Offer.  </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Share Repurchases under our Rule 10b5-1 Trading Plans</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:107%">During the year ended December 31, 2021, we repurchased 57&#160;million shares of our common stock at a total cost of $1.1&#160;billion under Rule 10b5-1 trading plans authorized under our share repurchase programs. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%">Common Stock Dividends</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:107%">We paid quarterly cash dividends on our common stock of $0.03 per share for the first, second, and third quarters of 2021. In the fourth quarter of 2021 we increased our dividend per share on our common stock to $0.11 per share, which was paid on December 15, 2021 to shareholders of record at the close of business on December 3, 2021. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Secured Borrowing Facility</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On July 30, 2021, we amended and extended the maturity of the Secured Borrowing Facility, discussed in Notes to Consolidated Financial Statements, Note 11, &#8220;Borrowings.&#8221;&#160; The Secured Borrowing Facility is a $2 billion secured borrowing facility, under which the full $2&#160;billion&#160;is available for us to draw.&#160;Under the amended Secured Borrowing Facility, we incur financing costs on unused borrowing capacity and on outstanding advances. The amended Secured Borrowing Facility extended the revolving period, during which we may borrow, repay, and reborrow funds, until May 17, 2022.&#160;The scheduled amortization period, during which amounts outstanding under the Secured Borrowing Facility must be repaid, ends on May 17, 2023 (or earlier, if certain material adverse events occur).</span></div><div style="margin-top:7.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See &#8220;Item 1. Business &#8212; Human Capital Resources and Talent Development&#8221; for a discussion regarding our mission-led culture.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">60   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_1099511629599"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:13.5pt;padding-left:47.25pt;text-indent:36pt"><span><br/></span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Results of Operations </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We present the results of operations below on a consolidated basis in accordance with GAAP.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#160;GAAP&#160;Consolidated Statements of Income</span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.750%"><tr><td style="width:1.0%"></td><td style="width:32.546%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.208%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.507%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.895%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.507%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.521%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.507%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.208%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.568%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.582%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.568%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.834%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.568%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.208%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.573%"></td><td style="width:0.1%"></td></tr><tr style="height:14pt"><td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, <br/>(dollars in millions, except per share amounts)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="21" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Increase (Decrease)</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021 vs. 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020 vs. 2019</span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Interest income:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,757&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,989&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,249&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(232)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(260)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Investments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and cash equivalents </span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">74&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(71)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(53)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(72)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total interest income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,777&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,022&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,331&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(245)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(309)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total interest expense</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">382&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">542&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">708&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(160)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(30)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(166)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(23)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,395&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,480&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,623&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(85)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(143)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: provisions for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(33)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">93&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">354&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(126)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(135)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(261)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(74)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income after provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,428&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,387&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,269&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">118&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Non-interest income:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains on sales of loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">548&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">238&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">310&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">130&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">238&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains on derivatives and hedging activities, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(50)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(100)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">178&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other income </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">84&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">43&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">95&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(39)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total non-interest income </span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">632&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">331&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">301&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">91&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">282&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">576&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Non-interest expenses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total operating expenses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">519&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">538&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">574&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(19)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(36)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Restructuring expenses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(25)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(96)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total non-interest expenses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">520&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">564&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">574&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income before income tax expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,540&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,154&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">744&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">386&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">410&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">380&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">273&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">165&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">107&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">108&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,160&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">881&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">578&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">279&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">302&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">52&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(60)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(41)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income attributable to SLM Corporation common stock</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,156&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">871&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">561&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">285&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">310&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Basic earnings per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.67&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.27&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.31&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.40&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">62&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.96&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">73&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Diluted earnings per common share</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.61&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.25&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.30&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.36&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.95&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">73&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Declared dividends per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.20&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.12&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.12&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.08&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">61</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-style:italic;font-weight:700;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">GAAP Consolidated Earnings Summary </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Year Ended December&#160;31, 2021 Compared with Year Ended December&#160;31, 2020</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the year ended December&#160;31, 2021, net income was $1.16 billion, or $3.61 diluted earnings per common share, compared with net income of $881 million, or $2.25 diluted earnings per common share, for the year ended December&#160;31, 2020. The year-over-year increase was primarily attributable to increases in gains on sales of loans, net, other income, lower provisions for credit losses, and lower operating expenses, which were offset by a decline in total net interest income.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The primary contributors to each of the identified drivers of change in net income for the current year period compared with the year-ago period are as follows:</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Net interest income in 2021 decreased by $85 million compared with the year-ago period primarily due to a $2.1&#160;billion reduction in average loans outstanding. The decline in average loans outstanding was due to the sale of our Personal Loan portfolio that occurred in the third quarter of 2020 and the sale of $4.2 billion of Private Education Loans in 2021. Net interest margin in 2021 was unchanged from the prior year as the lower yield on our interest earning assets was offset by lower cost of funds. </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%;padding-left:14.5pt">Provisions for credit losses for the year ended December 31, 2021 decreased by $126 million compared with the year-ago period. This decrease of $126 million in 2021 compared with the year-ago period was primarily the result of improving economic forecasts in 2021 and faster prepayment speeds. During the first quarter of 2021, we increased our estimates of future prepayment speeds during both the two-year reasonable and supportable period as well as the remaining term of the underlying loans. These faster estimated prepayment speeds during the two-year reasonable and supportable period reflect the significant improvement in economic forecasts, as well as the implementation of an updated prepayment speed model. In the fourth quarter of 2021, we increased our long-term estimate of prepayment speeds to reflect higher long-term prepayment experience. Partially offsetting these benefits were additional provisions to reflect the adoption of our credit administration practices changes and other management overlays. </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%;padding-left:14.5pt">Gains on sales of loans, net, were $548 million in 2021, compared with $238 million in the year-ago period. The increase in gains on sales of loans was primarily the result of $1.14 billion in additional Private Education Loan sales in 2021 when compared with the year-ago period and improved pricing on the sale of those loans in 2021 compared with the year-ago period.</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Gains on derivatives and hedging activities, net, decreased $50 million in 2021 compared with the year-ago period. The year-ago period was favorably impacted by a significant decrease in interest rates caused by the economic fallout from the COVID-19 pandemic, which made our receive fixed/pay variable interest rate swaps that are not designated as accounting hedges, but are economic hedges, to increase in value.  </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Other income increased $41 million in 2021 from the year-ago period. The increase in other income compared with the year-ago period was primarily the result of a $35 million gain related to changes in the valuation of certain non-marketable securities, and a $26 million increase in third-party servicing fees, offset by an $11&#160;million gain from the sale of our former Upromise subsidiary recognized in the year-ago period and $6 million in lower revenue related to our former Upromise subsidiary. In addition, other income during the year ended December 31, 2021 was negatively affected by a $3 million loss from fees related to the redemption of $200 million of our 5.125 percent unsecured senior notes due in April 2022. Third-party servicing fees increased in 2021 because we sold $4.24 billion in loans in 2021 where we retained servicing rights. </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">For the year ended December&#160;31, 2021, total operating expenses were $519 million, compared with $538&#160;million in the year-ago period. The decrease in total operating expenses was primarily driven by lower personnel costs as a result of the corporate reorganization that occurred in the second half of 2020, the divestiture of our former Upromise subsidiary in 2020, the sale of the Personal Loan portfolio in 2020, and lower initiative spending and improved servicing efficiencies in 2021.  </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the third quarter of 2020, we implemented a restructuring plan that resulted in our recording a $26 million restructuring charge in the year ended December 31, 2020. These expenses were primarily related to involuntary termination benefit arrangements, as well as certain other costs, such as legal and consulting fees, that were incremental and incurred as a direct result of our 2020 restructuring plan. There were de minimis restructuring expenses recorded for the year ended December 31, 2021.</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.85pt">Income tax expense for the year ended December 31, 2021 was $380 million, compared with $273 million in the year-ago period. The effective tax rate increased in 2021 to 24.7 percent from 23.7 percent in the year-ago period. </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">62   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt;padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The increase in the effective tax rate was primarily driven by higher state income tax expense related to an increase in our uncertain tax positions.</span></div><div style="margin-top:4.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:174%">Year Ended December&#160;31, 2020 Compared with Year Ended December&#160;31, 2019</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the year ended December&#160;31, 2020, net income was $881 million, or $2.25 diluted earnings per common share, compared with net income of $578 million, or $1.30 diluted earnings per common share, for the year ended December&#160;31, 2019. The year-over-year increase was primarily attributable to increases in gains on sales of loans, net, lower provisions for credit losses, and lower operating expenses, which were offset by a decline in total net interest income.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The primary contributors to each of the identified drivers of change in net income for 2020 compared with 2019 are as follows:</span></div><div style="margin-top:4.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%;padding-left:14.5pt">Net interest income in 2020 decreased by $143 million compared with 2019 primarily due to a 95 basis point decrease in net interest margin. Net interest margin decreased primarily due to (i) rates on our cash and short-term investments portfolio decreasing faster than our deposits repriced as interest rates fell as a result of the COVID-19 pandemic, as well as (ii) the sale of our higher yielding Personal Loan portfolio.</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%;padding-left:14.5pt">Provisions for credit losses for the year ended December 31, 2020 decreased by $261 million compared with 2019. The allowance in 2019 was determined using an incurred loss model which, for the most part, based its allowance on expected losses over the next 12 months. On January 1, 2020, we adopted CECL, which required a life-of-loan loss allowance, and recorded an increase to the allowance for on balance sheet loans and off-balance sheet loan commitments of $1.3 billion with an offsetting entry of a $953 million reduction in retained earnings and a $306 million increase in our deferred tax asset. After January 1, 2020, all future changes in the allowance were recorded through the provisions for credit losses. For the year ended December 31, 2020, our provisions for credit losses were $93 million. This was primarily the result of $290 million in additional provision for credit losses related to new commitments made in 2020, an additional $129&#160;million due to deteriorating economic conditions during the year as a result of the COVID-19 pandemic, and $99&#160;million caused by lower recovery rates and various overlays and other adjustments applied during the year. Offsetting these was a $206 million reduction in the provisions for credit losses as a result of $2.9 billion of loans transferred to held-for-sale from held for investment in the fourth quarter of 2020, the sale of $3.1 billion of Private Education Loans in the first quarter of 2020, which resulted in a reduction to our provisions for credit losses of $162 million, a benefit of $121 million from faster prepayment speeds, and the sale of our entire Personal Loan portfolio, which resulted in a reduction to our provisions for credit losses of $43 million. The benefit from faster prepayment speeds was to reflect actual loan prepayment speeds being higher than what our models were predicting due to the significant amount of COVID-19 related government stimulus.</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%;padding-left:14.5pt">Gains on sales of loans, net, were $238 million in 2020, primarily as a result of the sale of $3.1&#160;billion of Private Education Loans to unaffiliated third-parties in the first quarter of 2020. There were no loan sales in 2019.  </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Gains on derivatives and hedging activities, net, increased $32 million in 2020 compared with 2019. The increase was driven by a significant decrease in interest rates during 2020 as a result of the economic impact of the COVID-19 pandemic, which caused our receive-fixed/pay-variable interest rate swaps that are not designated as accounting hedges, but are economic hedges, to increase in value.</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Other income increased $12 million in 2020 from 2019 primarily due to an $11&#160;million gain from the sale of our former Upromise subsidiary in the second quarter of 2020, and an increase of $17 million in third-party servicing fees, offset by $13 million in lower revenue from our divested Upromise business, and an $8 million gain we recorded in 2019 related to changes in the valuation of certain non-marketable securities. Third-party servicing fees increased primarily as a result of the sale of $3.1 billion of Private Education loans in the first quarter of 2020 (where we continued to service the loans after they were sold).  </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">For the year ended December&#160;31, 2020, total operating expenses were $538 million, compared with $574&#160;million in 2019. The decrease in operating expenses was primarily driven by reduced personnel and marketing costs as a result of the suspension of Personal Loan originations and the subsequent sale of our Personal Loan portfolio, the sale of our former Upromise subsidiary, lower FDIC fees, and lower employee compensation costs as a result of the restructuring, which were offset by increased costs from growth in the serviced and owned loan portfolio, CEO transition costs, and costs related to other initiatives.</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Restructuring expenses for the year ended December 31, 2020 were $26 million, related to the restructuring plan we implemented in the third quarter of 2020. These expenses were primarily related to involuntary termination </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">63</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt;padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">benefit arrangements, as well as certain other costs, such as legal and consulting fees that were incremental and incurred as a direct result of our restructuring plan. There were no restructuring expenses recorded in 2019.</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Income tax expense for the year ended December 31, 2020 was $273 million, compared with $165 million in 2019. The effective tax rate increased in 2020 to 23.7 percent from 22.2 percent in 2019. The increase in the effective tax rate was primarily driven by $14 million in tax credits recorded in 2019.</span></div><div><span><br/></span></div><div><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="padding-left:36pt"><span><br/></span></div><div style="margin-top:13.5pt;padding-left:27pt;padding-right:27pt;text-align:center;text-indent:24.75pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">64   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_1099511629615"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:13.5pt;padding-left:47.25pt;text-indent:36pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Financial Condition </span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Average Balance Sheets&#160;- GAAP </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table reflects the rates earned on interest-earning assets and paid on interest-bearing liabilities and reflects our net interest margin on a consolidated basis. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.194%"><tr><td style="width:1.0%"></td><td style="width:28.557%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.141%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.865%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.545%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.500%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.545%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.952%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.545%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.096%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.545%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.759%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.545%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.505%"></td><td style="width:0.1%"></td></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31,<br/>&#160;(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:17pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> &#160;</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> &#160;</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Rate</span></div></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Average Assets</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,968,061&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,426,216&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.42&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,225,473&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.32&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">718,186&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.43&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">757,953&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.76&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">814,198&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.79&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">582,552&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.43&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,141,503&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.09&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,982&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.67&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,390&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6.04)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Taxable securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,142,025&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,547,837&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.73&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">324,849&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.35&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and other short-term investments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,139,731&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.14&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,447,844&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.41&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,693,245&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.01&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total interest-earning assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,982,985&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.13&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,771,792&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.57&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,199,268&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.27&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-interest-earning assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">636,691&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">236,536&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,318,290&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,619,676&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31,008,328&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,517,558&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Average Liabilities and Equity</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Brokered deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,015,170&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.35&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,777,874&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.84&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,760,646&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.66&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Retail and other deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,540,170&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.70&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,772,161&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.47&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,588,747&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.44&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other interest-bearing liabilities</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,390,098&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.94&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,982,771&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.98&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,658,075&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.43&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total interest-bearing liabilities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,945,438&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.42&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,532,806&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.90&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,007,468&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.72&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-interest-bearing liabilities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">279,344&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">234,798&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">392,173&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Equity</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,394,894&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,240,724&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,117,917&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total liabilities and equity</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,619,676&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31,008,328&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,517,558&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Net interest margin</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.81&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.81&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.76&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Includes the average balance of our unsecured borrowings, as well as secured borrowings and amortization expense of transaction costs related to our term asset-backed securitizations and our Secured Borrowing Facility.  </span></div><div style="padding-left:99pt;padding-right:81pt;text-indent:-15.75pt"><span><br/></span></div><div style="padding-left:72pt"><span><br/></span></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:36pt"><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">65</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Rate/Volume Analysis&#160;- GAAP  </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following rate/volume analysis shows the relative contribution of changes in interest rates and asset volumes. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:70.972%"><tr><td style="width:1.0%"></td><td style="width:53.694%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.778%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.365%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.207%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.148%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.797%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Increase<br/>(Decrease)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Change Due To</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Volume</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021 vs. 2020</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(244,816)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(130,949)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(113,867)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest expense</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(159,589)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(130,830)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(28,759)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(85,227)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">857&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(86,084)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020 vs. 2019</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(309,372)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(508,217)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">198,845&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(166,050)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(229,719)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,669&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(143,322)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(282,344)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">139,022&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:1pt;padding-left:240.75pt;padding-right:240.75pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">&#160;</span></div><div style="padding-left:99pt;padding-right:72pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Changes in income and expense due to both rate and volume have been allocated in proportion to the relationship of the absolute dollar amounts of the change in each. The changes in income and expense are calculated independently for each line in the table. The totals for the rate and volume columns are not the sum of the individual lines. </span></div><div style="padding-left:99pt;padding-right:72pt;text-indent:-15.75pt"><span><br/></span></div><div style="padding-left:135pt;padding-right:72pt;text-indent:-15.75pt"><span><br/></span></div><div style="padding-right:72pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Summary of Our Loans Held for Investment Portfolio </span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Ending Loans Held for Investment Balances, net</span></div><div style="margin-top:4.5pt;text-align:center"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:86.111%"><tr><td style="width:1.0%"></td><td style="width:41.319%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.606%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.932%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.090%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.319%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.090%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:11.319%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.090%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.935%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Private</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Education</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Loans</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"> </span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Credit<br/>Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total Loans Held for Investment</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loan portfolio:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">In-school</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,544,030&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">82&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,544,112&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Grace, repayment and other</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,172,833&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">695,134&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,892,981&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total, gross</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">695,216&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,437,093&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67,488&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,815&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">222&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">69,525&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,158,977)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,077)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,281)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,165,335)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loans held for investment portfolio, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,625,374&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,954&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,955&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,341,283&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">-2281</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">% of total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">97&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="margin-top:4.5pt;padding-left:90pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160; </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans for customers still attending school and who are not yet required to make payments on the loans. </span></div><div style="padding-left:90pt;text-indent:-18pt"><span><br/></span></div><div style="padding-left:90pt;padding-right:13.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Includes loans in deferment or forbearance. Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. </span></div><div style="padding-left:36pt;padding-right:13.5pt"><span><br/></span></div><div><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">66   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:86.111%"><tr><td style="width:1.0%"></td><td style="width:41.319%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.606%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.932%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.090%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.319%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.090%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:11.319%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.090%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.935%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2020<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Private</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Education</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Loans</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"> </span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Credit<br/>Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total Loans Held for Investment</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loan portfolio:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">In-school</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,582,394&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">81&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,582,475&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Grace, repayment and other</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,146,943&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">737,512&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,896,693&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total, gross</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">737,593&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,479,168&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,475&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,993&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">230&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65,698&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,355,844)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,378)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,501)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,361,723)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loans held for investment portfolio, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,436,968&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">735,208&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,967&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,183,143&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">% of total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div><span><br/></span></div><div style="padding-left:58.5pt;padding-right:22.5pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans for customers still attending school and who are not yet required to make payments on the loans. At December 31, 2020, the loans in the &#8220;in-school&#8221; category include $254&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 because of the pandemic, or other reasons, and who received an extension of time from us to re-enroll before beginning their grace period and, therefore, were then not required to make any payments. For further discussion, see &#8220;&#8212; Impact of COVID-19 on Sallie Mae &#8212; Financial Results.&#8221;&#160;</span></div><div style="padding-left:58.5pt;padding-right:22.5pt;text-indent:-9pt"><span><br/></span></div><div style="padding-left:58.5pt;padding-right:22.5pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At December 31, 2020, the loans in the &#8220;grace, repayment and other&#8221; category include (a) $147 million of Private Education Loans whose borrowers were in a grace or deferred status and who did not return to school in the fall of 2020, who received an extension of time from us to re-enroll before beginning their grace period and, therefore, were not then required to make any payments, and (b) $639 million of Private Education Loans whose borrowers were in a forbearance or repayment status and who did not return to school in the fall of 2020 and who then received an extension of time from us to re-enroll before beginning their grace period.&#160;For further discussion, see &#8220;&#8212; Impact of COVID-19 on Sallie Mae &#8212; Financial Results.&#8221;&#160;</span></div><div style="padding-left:58.5pt;padding-right:22.5pt;text-indent:-9pt"><span><br/></span></div><div style="padding-left:58.5pt;padding-right:22.5pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Includes loans in deferment or forbearance. Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. </span></div><div><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">67</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:35.427%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.911%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.911%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.594%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.911%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.594%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.911%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.209%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2019 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Private</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Education</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Loans</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"> </span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Personal<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Credit<br/>Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total Loans Held for Investment</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loan portfolio:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">In-school</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,288,239&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">81&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,288,320&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Grace, repayment and other</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,901,352&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">783,225&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,049,007&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,884&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,737,468&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total, gross</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,189,591&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">783,306&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,049,007&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,884&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,025,788&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">81,224&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,143&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">513&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">83,916&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(374,300)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,633)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(65,877)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(102)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(441,912)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loans held for investment portfolio, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,896,515&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">783,816&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">983,643&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,818&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,667,792&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">% of total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">93&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.666%"><tr><td style="width:1.0%"></td><td style="width:40.263%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.557%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.293%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.012%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.263%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.012%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.021%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.012%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.267%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2018 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Private<br/>Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Personal<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total Loans Held for Investment</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loan portfolio:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">In-school</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,037,125&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">163&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,037,288&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Grace, repayment and other</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,467,340&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">846,324&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,190,091&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,503,755&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total, gross</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,504,465&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">846,487&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,190,091&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,541,043&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,321&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,379&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">297&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">70,997&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(277,943)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(977)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(62,201)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(341,121)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loans held for investment portfolio, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,294,843&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">847,889&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,128,187&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,270,919&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">% of total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">91&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="padding-left:27pt;padding-right:27pt;text-align:center;text-indent:-18pt"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.527%"><tr><td style="width:1.0%"></td><td style="width:40.326%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.558%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.922%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.013%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.280%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.013%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.039%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.013%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.536%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2017<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Private<br/>Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Personal<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total Loans Held for Investment</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loan portfolio:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">In-school</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,740,237&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">257&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,740,494&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Grace, repayment and other</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,691,930&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">927,403&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">400,280&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,019,613&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total, gross</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,432,167&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">927,660&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">400,280&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,760,107&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">56,378&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,631&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">59,009&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(243,715)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,132)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,628)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(251,475)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loans held for investment portfolio, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,244,830&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">929,159&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">393,652&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,567,641&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">% of total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">93&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Loans for customers still attending school and who are not yet required to make payments on the loans. </span></div><div style="padding-left:72pt"><span><br/></span></div><div style="padding-left:54pt;padding-right:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Includes loans in deferment or forbearance. Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. </span></div><div><span><br/></span></div><div style="padding-left:72pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">68   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="padding-left:72pt"><span><br/></span></div><div style="padding-left:108pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Average Loans Held for Investment Balances (net of unamortized premium/discount)</span></div><div><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.583%"><tr><td style="width:1.0%"></td><td style="width:26.125%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.083%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.880%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.083%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.672%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.055%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.370%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.734%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,968,061&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">97&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,426,216&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">94&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,225,473&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">92&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">718,186&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">757,953&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">814,198&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">582,552&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,141,503&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,982&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,390&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total portfolio</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,701,229&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,776,111&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,181,174&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Held for Investment, Net  &#8212; Activity</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></div><div><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:82.500%"><tr><td style="width:1.0%"></td><td style="width:34.421%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.641%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.893%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.146%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.852%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.641%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.852%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.641%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.613%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#160;Private<br/>Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit<br/>Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Loans Held for Investment, net</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,436,968&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">735,208&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,967&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,183,143&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Acquisitions and originations:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,027,440&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,027,440&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable-rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,421,082&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,323&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,484,405&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total acquisitions and originations</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,448,522&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,323&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,511,845&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capitalized interest and deferred origination cost premium amortization</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">597,416&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,252&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(323)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">624,345&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Sales</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,138,726)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,138,726)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loan consolidations to third-parties</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,583,691)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(27,031)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,610,722)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">196,868&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">300&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(780)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">196,388&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Transfer from loans held-for-sale</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,040&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,040&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Repayments and other</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,357,023)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(42,775)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(50,232)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,450,030)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ending balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,625,374&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,954&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,955&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,341,283&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">69</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.805%"><tr><td style="width:1.0%"></td><td style="width:30.821%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.556%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.969%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.010%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.641%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.556%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.641%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.556%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.641%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.556%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.453%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#160;Private<br/>Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit<br/>Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Loans Held for Investment, net</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,896,515&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">783,816&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">983,643&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,818&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,667,792&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Day 1 CECL adjustment to allowance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,060,830)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,852)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(79,183)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(188)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,143,053)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Balance at January 1, 2020</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,835,685&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">780,964&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">904,460&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,630&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,524,739&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Acquisitions and originations:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,903,258&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,903,299&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable-rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,439,029&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35,955&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,474,984&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total acquisitions and originations</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,342,287&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35,955&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,378,283&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capitalized interest and deferred origination cost premium amortization</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">616,115&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,558&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(253)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(819)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">642,601&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Sales</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,925,478)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(588,285)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,513,763)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loan consolidations to third-parties</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,332,802)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(21,243)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,354,045)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79,285&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">107&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">36,526&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,211)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">114,707&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Transfer to loans held-for-sale</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,885,640)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,885,640)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Repayments and other</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,292,484)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(52,178)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(352,489)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26,588)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,723,739)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ending balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,436,968&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">735,208&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,967&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,183,143&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:18pt;padding-right:36pt"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.805%"><tr><td style="width:1.0%"></td><td style="width:30.821%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.556%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.969%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.010%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.641%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.556%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.641%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.556%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.641%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.556%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.453%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2019 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#160;Private<br/>Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit<br/>Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Loans Held for Investment, net</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,294,843&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">847,889&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,128,187&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,270,919&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Acquisitions and originations:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,784,860&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">480,398&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,265,258&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable-rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,866,914&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,933&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,872,847&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total acquisitions and originations</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,651,774&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">480,398&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,933&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,138,105&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capitalized interest and deferred origination cost premium amortization</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">722,153&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,258&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(323)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">750,088&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loan consolidations to third-parties</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,512,279)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(27,461)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,539,740)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(96,357)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(656)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,676)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(102)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(100,791)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Repayments and other</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,163,619)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(64,214)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(620,943)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,013)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,850,789)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ending balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,896,515&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">783,816&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">983,643&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,818&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,667,792&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;Loan consolidations to third-parties&#8221; and &#8220;Repayments and other&#8221; are both significantly affected by the volume of loans in our held for investment portfolio in full principal and interest repayment status. Loans in full principal and interest repayment status in our Private Education Loans held for investment portfolio at December&#160;31, 2021 decreased by 3&#160;percent compared with December&#160;31, 2020, and now total&#160;44.7 percent of our Private Education Loans held for investment portfolio at December&#160;31, 2021. The balance of loans held for investment in full principal and interest repayment status was affected in 2021 and 2020 by loan sales, and the transfer of loans from held for investment to held-for-sale in 2020.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;Loan consolidations to third-parties&#8221; for the year ended December&#160;31, 2021 total 18.1 percent of our Private Education Loans held for investment portfolio in full principal and interest repayment status at December&#160;31, 2021, or 8.1&#160;percent of our total Private Education Loans held for investment portfolio at December&#160;31, 2021, compared with the year-ago period of 14.7&#160;percent of our Private Education Loan held for investment portfolio in full principal and interest repayment status, or 7.2&#160;percent of our total Private Education Loans held for investment portfolio, respectively. The increase in consolidations is attributable to consolidators having ready access to funding in spite of the COVID-19 pandemic impact on the economy. Historical experience has shown that loan consolidation activity is heightened in the period when the loan initially enters full principal and interest repayment status and then subsides over time.</span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">70   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The &#8220;Repayments and other&#8221; category includes all scheduled repayments and returns, as well as voluntary prepayments, made on loans in repayment (including loans in full principal and interest repayment status) and also includes charge-offs. Consequently, this category can be significantly affected by the volume of loans in repayment.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Historically, voluntary prepayments and loan consolidations decrease when unemployment increases as borrowers and lenders look to conserve liquidity. While we saw a decrease in voluntary prepayments in the second quarter of 2020 (as compared to the first quarter of 2020) as a result of the COVID-19 pandemic, the decrease was not as significant as we expected based upon historical experience during higher unemployment periods and has increased to closer to pre-pandemic levels in 2021.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Private Education Loan Originations </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes our Private Education Loan originations. Originations represent loans that were funded or acquired during the period presented.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:83.472%"><tr><td style="width:1.0%"></td><td style="width:30.846%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.631%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.211%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.631%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.555%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.297%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.211%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.131%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.555%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.630%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.211%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.630%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.561%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Smart Option - interest only</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,123,624&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,222,148&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,234,246&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Smart Option - fixed pay</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,680,947&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,498,578&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,560,496&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Smart Option - deferred</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,994,483&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,912,978&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,082,147&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Smart Option - principal and interest</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,559&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,806&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Graduate Loan</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">525,050&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">579,451&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">622,181&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Parent Loan</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">87,325&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">98,023&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">115,910&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total Private Education Loan originations</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,422,531&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,320,737&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,624,786&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:24pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Percentage of loans with a cosigner</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">86.2&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">86.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">86.6&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average FICO at approval</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">750&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">749&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">746&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;</span></div><div style="padding-left:90pt;padding-right:72pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160; </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest only, fixed pay and deferred describe the payment option while in school or in grace period. See Item 1. &#8220;Business - Our Business - Private Education Loans&#8221; for further discussion. </span></div><div style="padding-left:90pt;padding-right:72pt;text-indent:-15.75pt"><span><br/></span></div><div style="padding-left:90pt;padding-right:72pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;In December 2021, we discontinued offering our Parent Loan product. Applications for those loans received before the offering termination date will continue to be processed, with final disbursements under those loans to occur until mid&#8211;December 2022.</span></div><div style="padding-left:90pt;padding-right:72pt;text-indent:-15.75pt"><span><br/></span></div><div style="padding-left:90pt;padding-right:72pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Represents the higher credit score of the cosigner or the borrower.</span></div><div style="padding-left:90pt;padding-right:72pt;text-indent:-15.75pt"><span><br/></span></div><div style="margin-top:4.5pt;padding-left:72pt;padding-right:27pt;text-indent:-13.5pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">71</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Losses Activity</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></div><div><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.611%"><tr><td style="width:1.0%"></td><td style="width:16.110%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.986%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.543%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.021%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.541%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:6.021%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.247%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.986%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.543%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.873%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.208%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.834%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.189%"></td><td style="width:0.1%"></td></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Years Ended <br/>December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td></tr><tr style="height:30pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private<br/>Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Credit<br/>Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total<br/>Portfolio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private<br/>Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Personal Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Credit<br/>Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total<br/>Portfolio</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">4,378&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,501&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,361,723&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">441,912&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Day 1 adjustment for adoption of CECL</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,060,830&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">2,852&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">79,183&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">188&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,143,053&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Balance at January 1</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">4,378&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,501&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,361,723&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,435,130&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">4,485&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">145,060&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,584,965&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Transfer from unfunded commitment liability</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">301,655&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">301,655&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">320,808&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">320,808&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Less:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Charge-offs</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(229,591)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(321)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(356)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(230,268)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(205,326)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(519)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(39,079)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(119)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(245,043)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Loan sales</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(108,534)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(108,534)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Plus:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">29,494&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">29,506&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">24,021&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">4,984&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">29,007&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Provisions for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Provision, current period</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(233,852)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,124&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(232,708)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">148,673&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">412&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">40,485&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,328&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">190,898&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Loan sale reduction to provision</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(66,460)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(66,460)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(161,793)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(42,916)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(204,709)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans transferred to held-for-sale</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,887&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,887&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205,669)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205,669)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total provisions for credit losses</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(298,425)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,124&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(297,281)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(218,789)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,431)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,328&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(219,480)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending balance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,158,977&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,077&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,281&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,165,335&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,378&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,501&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,361,723&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Troubled debt restructurings</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,057,665&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,057,665&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,274,590&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,274,590&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span><br/></span></div><div style="margin-top:4.5pt;padding-left:54pt;padding-right:22.5pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160; See Note 8, &#8220;Unfunded Loan Commitments,&#8221; in this Form 10-K for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively.</span></div><div style="margin-top:4.5pt;padding-left:54pt;padding-right:22.5pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160; For the years ended December 31, 2021 and 2020, below is a reconciliation of the provision for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses.</span></div><div style="margin-top:4.5pt;padding-left:9pt;padding-right:9pt;text-align:center;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:64.444%"><tr><td style="width:1.0%"></td><td style="width:53.856%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.170%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.374%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.524%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.376%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loan provisions for credit losses:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for loan losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(298,425)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(218,789)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">264,324&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">312,613&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loan provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(34,101)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">93,824&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:6pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Other impacts to the provisions for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(2,431)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">412&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,124&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,328&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,144&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(691)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Provisions for credit losses reported in consolidated statements of income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(32,957)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">93,133&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:4.5pt;padding-left:54pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)          </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Represents the unpaid principal balance of loans classified as troubled debt restructurings. </span></div><div style="margin-top:4.5pt;padding-left:54pt;text-indent:-9pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">72   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.305%"><tr><td style="width:1.0%"></td><td style="width:18.340%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.830%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.914%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.536%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.705%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.536%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.969%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.536%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.411%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.830%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.178%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.830%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.294%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.536%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.232%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.536%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.969%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.536%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.482%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Years Ended December 31,  (dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private<br/>Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Personal Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Credit Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total<br/>Portfolio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private<br/>Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Personal Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total<br/>Portfolio</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">277,943&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">977&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">62,201&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">341,121&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">243,715&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,132&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">6,628&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">251,475&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Less:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Charge-offs</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(208,978)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(822)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(74,313)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(284,114)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(154,701)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(1,135)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(19,690)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(175,526)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Loan sales</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(1,216)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(1,216)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Plus:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">25,765&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">5,206&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">30,971&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">20,858&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">946&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">21,804&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Provisions for loan losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">279,570&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,478&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">72,783&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">353,934&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">169,287&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">980&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">74,317&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">244,584&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Ending balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">441,912&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">277,943&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">977&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">62,201&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">341,121&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">Troubled debt restructurings</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:100%;position:relative;top:-2.27pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">1,581,966&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">1,581,966&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">1,257,856&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">1,257,856&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:9pt;padding-left:31.5pt;padding-right:99pt;text-indent:-27pt"><span><br/></span></div><div style="margin-top:9pt;padding-left:65.25pt;padding-right:65.25pt;text-align:center;text-indent:-27pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:52.083%"><tr><td style="width:1.0%"></td><td style="width:33.833%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.666%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.966%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.133%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.133%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.433%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.866%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.104%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Years Ended December 31,  (dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private<br/>Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Personal Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total<br/>Portfolio</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">182,472&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">2,171&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">58&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">184,701&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Less:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Charge-offs</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(130,063)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(954)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(579)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(131,596)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Loan sales</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(4,871)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(4,871)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Plus:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">17,635&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">17,646&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Provisions for loan losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">178,542&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(85)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">7,138&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">185,595&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Ending balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">243,715&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,132&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">6,628&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">251,475&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">Troubled debt restructurings</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.22pt;font-weight:400;line-height:100%;position:relative;top:-2.27pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">990,351&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%">990,351&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:9pt;padding-left:65.25pt;padding-right:65.25pt;text-align:center;text-indent:-27pt"><span><br/></span></div><div style="margin-top:9pt;padding-left:175.5pt;padding-right:99pt;text-indent:-27pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Represents fair value adjustments on loans sold. </span></div><div style="margin-top:9pt;padding-left:175.5pt;padding-right:99pt;text-indent:-27pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Represents the unpaid principal balance of loans classified as troubled debt restructurings. </span></div><div style="margin-top:9pt;padding-left:18pt;text-indent:-18pt"><span><br/></span></div><div><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">73</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Private Education Loan Allowance for Credit Losses</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In establishing the allowance for Private Education Loan losses as of December&#160;31, 2021, we considered several factors with respect to our Private Education Loan held for investment portfolio, in particular, credit quality and delinquency, forbearance, and charge-off trends. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Private Education Loans held for investment in full principal and interest repayment status were&#160;45 percent of our total Private Education Loans held for investment portfolio at December 31, 2021, compared with 49 percent at December 31, 2020.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For a more detailed discussion of our policy for determining the collectability of Private Education Loans and maintaining our allowance for Private Education Loans, see &#8220;&#8212;Allowance for Credit Losses&#8221; and Note 5, &#8220;Loans Held for Investment &#8212; Certain Collection Tools - Private Education Loans&#8221; in this Form 10-K.  </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">74   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below presents our Private Education Loans held for investment portfolio delinquency trends. Loans in repayment include loans making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period (but, for purposes of the following table, do not include those loans while they are in forbearance). For the periods presented below, we updated our delinquency bucket periods from what we reported in our 2020 Form 10-K to conform with the delinquency bucket periods defined by the Federal Financial Institutions Examination Council (&#8220;FFIEC&#8221;). </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:35.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.122%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.983%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.050%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.705%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.050%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.050%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.376%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">December 31, (dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in-school/grace/deferment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)(2)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,904,414&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,779,040&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,687,405&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">301,237&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">645,476&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">714,516&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in repayment and percentage of each status</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans current</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,005,773&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96.7&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,898,948&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">97.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,315,651&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">97.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans delinquent 30-59&#160;days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">308,559&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">205,528&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.4&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">288,051&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans delinquent 60-89&#160;days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">116,947&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">119,643&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">121,302&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.7&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans 90 days or greater past due</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79,933&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">80,702&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.6&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">62,666&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.4&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,511,212&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,304,821&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,787,670&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,189,591&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67,488&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,475&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">81,224&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,784,351&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,792,812&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,270,815&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans allowance for losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,158,977)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,355,844)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(374,300)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Private Education Loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,625,374&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,436,968&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,896,515&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">74.9 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72.4&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Delinquencies as a percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.3 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.8&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.8&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.9 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.3&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.1&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:63pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">At December 31, 2020, the loans in the &#8220;in-school/grace/deferment&#8221; category above include $401 million of Private Education Loans whose borrowers did not return to school in the fall of 2020 because of the pandemic, or for other reasons, and who then received an extension of time from us to re-enroll before beginning their grace period. At December 31, 2020, the loans in the &#8220;in forbearance&#8221; category above include $30 million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received an extension of time from us to re-enroll before beginning their grace period. At December 31, 2020, the loans in the &#8220;in repayment&#8221; category above include $609 million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received an extension of time from us to re-enroll before beginning their grace period. This program ended in September 2021. For further discussion, see &#8220;&#8212; Impact of COVID-19 on Sallie Mae &#8212; Financial Results.&#8221;&#160;</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:63pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:63pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:63pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">The period of delinquency is based on the number of days scheduled payments are contractually past due.</span></div><div style="padding-left:54pt;padding-right:18pt;text-indent:-15.75pt"><span><br/></span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Delinquencies as a percentage of Private Education Loans (held for investment) in repayment increased to 3.3&#160;percent at December 31, 2021 from 2.8&#160;percent at December 31, 2020, and the forbearance rate decreased to </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">75</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1.9&#160;percent at December 31, 2021 from 4.3 percent at December 31, 2020. The increase in delinquencies and the reduction in forbearance at December 31, 2021, compared with the prior year, were due to a combination of factors, including our new credit administration practices changes that imposed additional requirements for those borrowers requesting forbearance, and the cessation of the use of disaster forbearance related to COVID-19. We stopped providing COVID-19 related disaster forbearances in June 2021. See additional discussion in &#8220; &#8212; Impact of COVID-19 on Sallie Mae &#8212; Customers and Credit Performance&#8221; and &#8220;&#8212; Use of Forbearance and Rate Modifications as a Private Education Loan Collection Tool.&#8221; </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes changes in the allowance for Private Education Loan (held for investment) losses. </span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:33.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.983%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.261%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.122%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.126%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2018</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2017</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">277,943&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">243,715&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">182,472&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Day 1 adjustment for adoption of CECL</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,060,830&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Balance at January 1</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,435,130&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">277,943&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">243,715&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">182,472&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Transfer from unfunded commitment liability</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">301,655&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">320,808&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Provision for credit losses:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Provision, current period</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(233,852)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">148,673&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">279,570&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">169,287&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">178,542&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loan sale reduction to provision</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(66,460)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(161,793)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans transferred to held-for-sale</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,887&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(205,669)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total provision</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(298,425)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(218,789)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">279,570&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">169,287&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">178,542&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(229,591)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(205,326)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(208,978)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(154,701)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(130,063)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,494&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,021&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,765&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,858&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,635&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(200,097)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(181,305)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(183,213)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(133,843)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(112,428)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loan sales</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,216)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,871)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,158,977&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">277,943&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">243,715&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending total loan balance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.59&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.87&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.61&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.36&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.40&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.47&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.48&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.23&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.90&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance coverage of net charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.79&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.48&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.04&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.08&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.17&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.33&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.01&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.03&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Delinquencies as a percentage of ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.26&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.84&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.81&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.57&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.42&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of ending loans in repayment and forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.91&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.32&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.08&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.79&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.70&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending total loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,189,591&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,504,465&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,432,167&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,019,869&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,518,851&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,605,927&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,303,801&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,881,058&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,511,212&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,304,821&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,787,670&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,666,856&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,206,033&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:4.5pt;padding-left:54pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;See Note 8, &#8220;Unfunded Loan Commitments,&#8221; in this Form 10-K for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. </span></div><div style="margin-top:4.5pt;padding-left:54pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Represents fair value adjustments on loans sold. </span></div><div style="margin-top:4.5pt;padding-left:54pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.</span></div><div style="margin-top:4.5pt;padding-left:54pt;text-indent:-15.75pt"><span><br/></span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:1pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As part of concluding on the adequacy of the allowance for credit losses, we review key allowance and loan metrics. The most significant of these metrics considered are the allowance coverage of net charge-offs ratio; the allowance as a percentage of ending total loans and of ending loans in repayment; and delinquency and forbearance percentages. </span></div><div style="margin-top:4.5pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">76   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Use of Forbearance and Rate Modifications as a Private Education Loan Collection Tool </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations and achieve better student outcomes, and increase the collectability of the loan. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. Forbearance is granted prospectively for borrowers who are current in their payments and may be granted retroactively for certain delinquent borrowers.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Forbearance allows a borrower to not make scheduled payments for a specified period of time. Using forbearance extends the original term of the loan by the term of forbearance taken. Forbearance does not grant any reduction in the total principal or interest repayment obligation. While a loan is in forbearance status, interest continues to accrue and is capitalized (added to principal) at the end of the forbearance. Interest will not capitalize at the end of certain types of forbearance, such as disaster forbearance, however.</span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We grant forbearance through our servicing centers to borrowers who are current in their payments and through our collections centers to certain borrowers who are delinquent. Our forbearance policies and practices vary depending upon whether a borrower is current or delinquent at the time forbearance is requested, generally with stricter payment requirements for delinquent borrowers. We view the population of borrowers that use forbearance positively because the borrowers are either proactively reaching out to us to obtain assistance in managing their obligations or are working with our collections center to bring their loans current.  </span></div><div style="margin-top:6pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Forbearance may be granted through our servicing centers to customers who are exiting their grace period, and to other customers who are current in their payments, to provide temporary payment relief. In these circumstances, a customer&#8217;s loan is placed into a forbearance status in limited monthly increments and is reflected in the forbearance status at month-end during this time. At the end of the forbearance period, the customer will enter repayment status as current and is expected to begin making scheduled monthly payments.</span></div><div style="margin-top:6pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Forbearance may also be granted through our collections centers to customers who are delinquent in their payments. If specific payment requirements are met, the forbearance can cure the delinquency and the customer is returned to a current repayment status. Forbearance as a collection tool is used most effectively when applying historical experience and our judgment to a customer&#8217;s unique situation. We leverage updated customer information and other decision support tools to best determine who will be granted forbearance based on our expectations as to a customer&#8217;s ability and willingness to repay their obligation. This strategy is aimed at assisting customers while mitigating the risks of delinquency and default as well as encouraging resolution of delinquent loans. In most instances, we require one payment, as an indication of a customer&#8217;s willingness and ability to repay, before granting forbearance to delinquent borrowers.</span></div><div style="margin-top:6pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Historically, we have utilized disaster forbearance to assist borrowers affected by material events, including hurricanes, wildfires, floods, and the COVID-19 pandemic. We typically grant disaster forbearance to affected borrowers in increments of up to three months at a time, but the disaster forbearance granted generally does not apply toward the 12-month forbearance limit described below.</span></div><div style="margin-top:6pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During COVID-19, our customers experienced higher levels of financial hardship, which initially led to higher levels of forbearance. We expect for some customers financial hardship may lead to higher levels of delinquencies and defaults in the future, as borrowers who had received disaster forbearance from us re-enter repayment status. Beginning in June 2021, we stopped granting disaster forbearance in response to the COVID-19 pandemic. As borrowers in the various delinquency buckets exit disaster forbearance and begin to enter repayment, we expect elevated levels of losses on this segment of our customers. We expect that, left unabated, this deterioration in delinquency and default rates may persist until economic conditions return to pre-pandemic levels.</span></div><div style="margin-top:6pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management continually monitors our credit administration practices and may periodically modify these practices based upon performance, industry conventions, and/or regulatory feedback. In light of these considerations, we previously announced certain planned changes to our credit administration practices, including the imposition of limits on the number of forbearance months granted consecutively and the number of times certain extended or reduced repayment alternatives may be granted.  Prior to implementation of the previously announced changes, borrowers could receive consecutive forbearance grants without intervening payments of principal and interest, if they satisfied all eligibility requirements.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We commenced testing in October 2019 for some of the previously announced planned changes on a very small percentage of our total portfolio and in March 2020 we began to expand the number of borrowers who would be subject to </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">77</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">the new credit administration practices. However, due to the COVID-19 pandemic, in April 2020 we postponed our efforts so that we could be more flexible in dealing with our customers&#8217; financial hardship. In October 2020, we re-initiated a multi-phased deployment of certain previously announced credit administration practices changes. In October 2021, we announced additional planned changes to our credit administration practices, which we implemented in December 2021. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Currently, we generally grant forbearance in increments of one to two months at a time, for up to 12 months over the life of the loan, although disaster forbearance and certain assistance we grant to borrowers who are still in school do not apply toward the 12-month limit. We also currently require 12 months of positive payment performance by a borrower (meaning the borrower must make payment in a cumulative amount equivalent to 12 monthly required payments under the loan) between successive grants of forbearance and between forbearance grants and certain other repayment alternatives. This required period of positive payment performance does not apply, however, to forbearances granted during the first six months following a borrower&#8217;s grace period and is not required for a borrower to receive a contractual interest rate reduction. In addition, we currently limit the participation of delinquent borrowers in certain short-term extended or interest-only repayment alternatives to once in 12 months and twice in five years. We also now count the number of months a borrower receives a short-term extended repayment alternative toward the 12-month forbearance limit described above.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We also offer rate and term modifications to customers experiencing more severe hardship. Currently, we temporarily reduce the contractual interest rate on a loan to 4.0 percent for a two-year period and, in the vast majority of cases, permanently extend the final maturity date of the loan. As part of demonstrating the ability and willingness to pay, the customer must make three consecutive monthly payments at the reduced payment to qualify for the program. The combination of the rate reduction and maturity extension helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate. We currently limit the granting of a permanent extension of the final maturity date of the loan under our loan modification program to one time over the life of the loan. We also currently permit two consecutive rate reductions to 4.0 percent so long as the borrower qualifies and makes three consecutive monthly payments at the reduced payment in connection with each rate reduction. We currently require 12 months of positive payment performance after the interest rate adjusts upward to its previous rate (at the end of the rate reduction periods) before the borrower may be eligible for a forbearance or certain other repayment alternatives, however. We also now limit the number of interest rate reductions to twice over the life of the loan. At December 31, 2021 and December&#160;31, 2020, 7.2 percent and 7.8 percent, respectively, of our loans then currently in full principal and interest repayment status were subject to interest rate reductions made under our rate modification program. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Although we are not regulated by the Office of the Comptroller of the Currency, we have reviewed their student lending guidelines when considering and assessing our practices in certain areas. Now that we have implemented the previously announced credit administration practices changes, we believe our current collection and servicing practices generally align with the guidelines for student lending published by the Office of the Comptroller of the Currency.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While there are limitations to our estimate of the future impact of the various credit administration practices changes we have implemented, absent the effect of any mitigating measures, we expect that the credit administration practices described above, including the changes we implemented in 2021, will accelerate periodic defaults and could increase periodic defaults in our Private Education Loan held for investment portfolio by approximately 10.1 percent to 16.6 percent. Among the measures that we have implemented and may modify further and expect may partly offset or moderate any acceleration of or increase in defaults will be greater focus on the risk assessment process to ensure borrowers are mapped to the appropriate program, better utilization of existing loss mitigation programs (e.g., GRP and rate modifications), and the use of a program offering short-term payment reductions (permitting interest-only payments for up to six months) for certain early-stage delinquencies.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The full impact of these changes to our collections practices described above will only be realized over the long term. When we calculated the allowance for credit losses under CECL at December 31, 2021, our loan loss reserves were significantly impacted because we expect the life of loan defaults on our overall Private Education Loan portfolio to increase, in part as a result of the changes to our credit administration practices described above. We expect to learn more about how our borrowers are reacting to these changes to credit administration practices and, as we analyze such reactions, we will continue to refine our estimates of the impact of those changes on our allowance for credit losses.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As discussed above, we will continue to monitor our credit administration practices and may modify them further from time to time based upon performance, industry conventions, and/or regulatory feedback. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">The tables below show the composition and status of the Private Education Loan portfolio held for investment aged by number of months in active repayment status (months for which a scheduled monthly payment was due). Active repayment status includes loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. Our experience shows that the </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">78   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">percentage of loans in forbearance status generally decreases the longer the loans have been in active repayment status. At December 31, 2021, for Private Education Loans (held for investment) that have been in active repayment status for fewer than 25&#160;months, loans in forbearance status as a percentage of loans in repayment and forbearance were 2.7&#160;percent. Approximately 74 percent of our Private Education Loans (held for investment) in forbearance status have been in active repayment status fewer than 25&#160;months. For the periods presented below, we updated our delinquency bucket periods from what we reported in our 2020 Form 10-K to conform with the delinquency bucket periods defined by the FFIEC. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.500%"><tr><td style="width:1.0%"></td><td style="width:27.578%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.550%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.550%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.758%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.550%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.550%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.550%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.758%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.550%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.960%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.550%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.169%"></td><td style="width:0.1%"></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2021<br/>(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment<br/>&#160;Monthly Scheduled Payments Due</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Not Yet in<br/>Repayment</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total </span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0&#160;to&#160;12</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">13&#160;to&#160;24</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">25&#160;to&#160;36</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">37&#160;to&#160;48</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">More&#160;than&#160;48</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in-school/grace/deferment</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,904&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,904&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in forbearance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">180&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">44&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">301&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in repayment&#160;- current</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,234&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,405&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,424&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,671&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,272&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,006&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in repayment&#160;- delinquent 30-59&#160;days</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">125&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">309&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in repayment&#160;- delinquent 60-89&#160;days</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">117&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in repayment&#160;- 90&#160;days or greater past due</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">80&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,603&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,546&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,524&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,743&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,397&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,904&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,717&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,159)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total Private Education Loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,625&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of total Private Education Loans in repayment and forbearance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.14&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.28&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.20&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.13&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.16&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.91&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">79</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.083%"><tr><td style="width:1.0%"></td><td style="width:27.708%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.949%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.798%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.949%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.949%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.798%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.005%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.766%"></td><td style="width:0.1%"></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2020 <br/>(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment<br/>&#160;Monthly Scheduled Payments Due</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Not Yet in<br/>Repayment</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total </span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0&#160;to&#160;12</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">13&#160;to&#160;24</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">25&#160;to&#160;36</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">37&#160;to&#160;48</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">More&#160;than&#160;48</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in-school/grace/deferment</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,779&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,779&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in forbearance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">353&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">91&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">645&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in repayment&#160;- current</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,987&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,181&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,215&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,624&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,892&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,899&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in repayment&#160;- delinquent 30-59&#160;days</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">205&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in repayment&#160;- delinquent 60-89&#160;days</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">120&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in repayment&#160;- 90&#160;days or greater past due</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">81&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,498&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,347&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,345&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,720&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,040&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,779&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,729&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">64&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,356)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total Private Education Loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,437&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of total Private Education Loans in repayment and forbearance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.36&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.61&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.48&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.36&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.51&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.32&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></div><div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.638%"><tr><td style="width:1.0%"></td><td style="width:27.535%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.895%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.745%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.895%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.895%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.745%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.303%"></td><td style="width:0.1%"></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2019 <br/>(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment<br/>&#160;Monthly Scheduled Payments Due</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Not Yet in<br/>Repayment</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total </span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0&#160;to&#160;12</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">13&#160;to&#160;24</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">25&#160;to&#160;36</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">37&#160;to&#160;48</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">More&#160;than&#160;48</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in-school/grace/deferment</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,687&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,687&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in forbearance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">402&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">97&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">715&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in repayment&#160;- current</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,769&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,817&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,752&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,093&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,885&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,316&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in repayment&#160;- delinquent 30-59&#160;days</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">108&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">45&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">288&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in repayment&#160;- delinquent 60-89&#160;days</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">121&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in repayment&#160;- 90&#160;days or greater past due</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,352&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,004&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,903&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,214&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,030&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,687&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,190&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">81&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(374)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total Private Education Loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,897&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of total Private Education Loans in repayment and forbearance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.30&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.55&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.45&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.37&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.41&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.08&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="margin-top:13.5pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">80   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Private Education Loans Held for Investment Types</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information regarding the loans in repayment balance and total loan balance by Private Education Loan held for investment product type for the years ended December&#160;31, 2021 and 2020. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.194%"><tr><td style="width:1.0%"></td><td style="width:21.419%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.059%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.498%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.587%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.498%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.587%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.498%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.587%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.451%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.587%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.238%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.587%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.504%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As of December 31, 2021 (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Signature and<br/>Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Parent Loan</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:700;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Smart Option</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Career<br/>Training</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Graduate<br/>Loan</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$ in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">221,637&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">301,422&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,097,819&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,354&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">880,980&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,511,212&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$ in total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">318,055&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">302,764&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,789,771&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,402&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,296,871&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.305%"><tr><td style="width:1.0%"></td><td style="width:21.917%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.044%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.341%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.577%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.341%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.577%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.341%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.577%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.319%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.577%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.564%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.577%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.348%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As of December 31, 2020 (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Signature and<br/>Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Parent Loan</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:700;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Smart Option</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Career<br/>Training</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Graduate<br/>Loan</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$ in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">215,439&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">285,323&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,130,229&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,250&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">661,580&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,304,821&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$ in total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">330,979&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">289,572&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,067,491&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,797&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,028,498&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:4.5pt;padding-left:72pt;padding-right:27pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">In December 2021, we discontinued offering our Parent Loan product. Applications for those loans received before the offering termination date will continue to be processed, with final disbursements under those loans to occur until mid&#8211;December 2022.</span></div><div style="margin-top:4.5pt;padding-left:72pt;padding-right:27pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.</span></div><div style="margin-top:4.5pt;padding-left:72pt;padding-right:27pt;text-indent:-13.5pt"><span><br/></span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">81</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accrued Interest Receivable </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information regarding accrued interest receivable on our Private Education Loans held for investment. The table also discloses the amount of accrued interest on loans 90 days and greater past due as compared to our allowance for uncollectible interest. The majority of the total accrued interest receivable represents accrued interest on deferred loans where no payments are due while the borrower is in school and fixed-pay loans where the borrower makes a $25 monthly payment that is smaller than the interest accruing on that loan in that month. The accrued interest on these loans will be capitalized against the balance of the loans when the borrower exits the grace period upon separation from school. The allowance for uncollectible interest exceeds the amount of accrued interest on our 90 days past due portfolio for all periods presented. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:61.944%"><tr><td style="width:1.0%"></td><td style="width:37.465%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.734%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.921%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.061%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.921%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.529%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Private Education Loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Accrued Interest Receivable</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"> </span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%;text-decoration:underline">(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Interest Receivable</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">90 Days and Greater<br/>Past Due</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance&#160;for<br/>Uncollectible<br/>Interest</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2021</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,187,123&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,635&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,937&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,168,895&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,354&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,467&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2019</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,366,158&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,390&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,309&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2018</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,168,823&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,920&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,322&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2017</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">951,138&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,372&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,664&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:13.5pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:1pt;font-weight:400;line-height:120%">&#160;</span></div><div style="margin-top:13.5pt;text-align:center;text-indent:24.75pt"><span><br/></span></div><div style="padding-left:27pt;padding-right:27pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">82   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_46"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Liquidity and Capital Resources</span></div><div style="margin-top:4.5pt"><span><br/></span></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Funding and Liquidity Risk Management</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our primary liquidity needs include our ongoing ability to fund our businesses throughout market cycles, including during periods of financial stress, our ongoing ability to fund originations of Private Education Loans and other loans, and our ability to meet any outflows of our Bank deposits. To achieve these objectives, we analyze and monitor our liquidity needs, maintain excess liquidity and access to diverse funding sources, such as deposits at the Bank, issuance of secured debt primarily through asset-backed securitizations, and other financing facilities, and loan sales. It is our policy to manage operations so liquidity needs are fully satisfied through normal operations to avoid unplanned loan sales under all but the most dire emergency conditions. Our liquidity management is governed by policies approved by our Board of Directors. Oversight of these policies is performed in the Asset and Liability Committee, a management-level committee.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These policies take into account the volatility of cash flow forecasts, expected asset and liability maturities, anticipated loan demand, and a variety of other factors to establish minimum liquidity guidelines.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Key risks associated with our liquidity relate to our ability to access the capital markets and the markets for bank deposits at reasonable rates. This ability may be affected by our performance, competitive pressures, the macroeconomic environment, and the impact they have on the availability of funding sources in the marketplace. We target maintaining sufficient on-balance sheet and contingent sources of liquidity to enable us to meet all contractual and contingent obligations under various stress scenarios, including severe macroeconomic stresses as well as specific stresses that test the resiliency of our balance sheet. As the Bank has grown, we have improved our liquidity stress testing practices to align more closely with the industry, which resulted in our adopting increased liquidity requirements. Beginning in the second quarter of 2019, we began to increase our liquidity levels by increasing cash and marketable investments held as part of our ongoing efforts to enhance our ability to maintain a strong risk management position. By early 2020 and continuing through 2021, we held a significant liquidity buffer of cash and securities, which we expect to maintain through 2022. Due to the seasonal nature of our business, our liquidity levels will likely vary from quarter to quarter.</span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Sources of Liquidity and Available Capacity </span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Ending Balances </span></div><div style="margin-top:4.5pt"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.888%"><tr><td style="width:1.0%"></td><td style="width:52.283%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.739%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.749%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.739%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.997%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.115%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.378%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Sources of primary liquidity:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrestricted cash and liquid investments:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Holding Company and other non-bank subsidiaries</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,588&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,117&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,620&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Sallie Mae Bank</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,332,015&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,454,175&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,534,257&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Available-for-sale investments</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,325,711&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,927,726&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">487,669&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total unrestricted cash and liquid investments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,660,314&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,383,018&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,051,546&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div><div style="padding-left:90pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)  This amount will be used primarily to originate Private Education Loans at the Bank. </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">83</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Average Balances </span></div><div style="margin-top:13.5pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.944%"><tr><td style="width:1.0%"></td><td style="width:49.441%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.063%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.520%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.702%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.603%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.063%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.608%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Sources of primary liquidity:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrestricted cash and liquid investments:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Holding Company and other non-bank subsidiaries</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,739&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,307&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38,705&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Sallie Mae Bank</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,934,506&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,202,302&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,455,216&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Available-for-sale investments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,953,154&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,495,155&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">323,930&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total unrestricted cash and liquid investments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,891,399&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,717,764&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,817,851&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:36pt;text-indent:36pt"><span><br/></span></div><div style="padding-left:126pt;text-indent:-31.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)  This amount will be used primarily to originate Private Education Loans at the Bank. </span></div><div style="padding-left:126pt;padding-right:45pt;text-indent:-15.75pt"><span><br/></span></div><div style="padding-left:54pt;padding-right:45pt;text-indent:-15.75pt"><span><br/></span></div><div style="padding-right:45pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Deposits </span></div><div style="margin-top:9pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes total deposits. </span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:61.527%"><tr><td style="width:1.0%"></td><td style="width:56.010%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.928%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.893%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.928%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.541%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits - interest bearing</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,826,692&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,664,899&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits - non-interest bearing</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,432&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,140&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,828,124&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,666,039&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our total deposits of $20.8 billion were comprised of $10.1 billion in brokered deposits and $10.7 billion in retail and other deposits at December 31, 2021, compared with total deposits of $22.7 billion, which were comprised of $11.9 billion in brokered deposits and $10.8 billion in retail and other deposits, at December 31, 2020.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest bearing deposits as of December&#160;31, 2021 and 2020 consisted of retail and brokered non-maturity savings deposits, retail and brokered non-maturity money market deposit accounts (&#8220;MMDAs&#8221;) and retail and brokered CDs. Interest bearing deposits include deposits from Educational 529 and Health Savings plans that diversify our funding sources and add deposits we consider to be core. These and other large omnibus accounts, aggregating the deposits of many individual depositors, represented $7.3 billion of our deposit total as of December 31, 2021, compared with $7.1&#160;billion at December 31, 2020.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Some of our deposit products are serviced by third-party providers. Placement fees associated with the brokered CDs are amortized into interest expense using the effective interest rate method. We recognized placement fee expense of $16 million, $19 million, and $18 million in the years ended December&#160;31, 2021, 2020, and 2019, respectively. Fees paid to third-party brokers related to brokered CDs were $13 million, $5 million, and $28 million during the years ended December&#160;31, 2021, 2020, and 2019, respectively. </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">84   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest bearing deposits at December&#160;31, 2021 and 2020 are summarized as follows:</span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.388%"><tr><td style="width:1.0%"></td><td style="width:37.445%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.072%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.718%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.709%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.709%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.627%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.709%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.711%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year-End Weighted Average Stated Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year-End Weighted Average Stated Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Money market</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,473,569&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.69&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,159,657&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.83&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Savings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">959,122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.43&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">907,976&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.55&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,394,001&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.20&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,597,266&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.34&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deposits - interest bearing</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,826,692&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,664,899&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr></table></div><div style="margin-top:9pt;padding-left:56.25pt;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">  Includes the effect of interest rate swaps in effective hedge relationships. </span></div><div style="margin-top:9pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021 and 2020, there were $743 million and $571 million, respectively, of deposits exceeding FDIC insurance limits. Accrued interest on deposits was $35 million and $50 million at December 31, 2021 and 2020, respectively.</span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Counterparty Exposure</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Counterparty exposure related to financial instruments arises from the risk that a lending, investment, or derivative counterparty will not be able to meet its obligations to us.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Excess cash is generally invested with the FRB on an overnight basis or in the FRB&#8217;s Term Deposit Facility, minimizing counterparty exposure on cash balances.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our investment portfolio is primarily comprised of a small portfolio of mortgage-backed securities issued by government agencies and government-sponsored enterprises that are purchased to meet CRA targets. Additionally, our investing activity is governed by Board-approved limits on the amount that is allowed to be invested with any one issuer based on the credit rating of the issuer, further minimizing our counterparty exposure. Counterparty credit risk is considered when valuing investments and considering impairment.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Related to derivative transactions, protection against counterparty risk is generally provided by International Swaps and Derivatives Association, Inc. Credit Support Annexes (&#8220;CSAs&#8221;), or clearinghouses for over-the-counter derivatives. CSAs require a counterparty to post collateral if a potential default would expose the other party to a loss. All derivative contracts entered into by the Bank are covered under CSAs or clearinghouse agreements and require collateral to be exchanged based on the net fair value of derivatives with each counterparty. Our exposure is limited to the value of the derivative contracts in a gain position, less any collateral held by us and plus collateral posted with the counterparty.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Title VII of the Dodd-Frank Act requires all standardized derivatives, including most interest rate swaps, to be submitted for clearing to central counterparties to reduce counterparty risk.  Two of the central counterparties we use are the CME and the LCH. All variation margin payments on derivatives cleared through the CME and LCH are accounted for as legal settlement. As of December 31, 2021, $5.2 billion notional of our derivative contracts were cleared on the CME and $0.3 billion were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent 94.4 percent and 5.6 percent, respectively, of our total notional derivative contracts of $5.5 billion at December 31, 2021.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For derivatives cleared through the CME and LCH, the net gain (loss) position includes the variation margin amounts as settlement of the derivative and not collateral against the fair value of the derivative. The amount of variation margin included as settlement as of December 31, 2021 was $(72) million and $8 million for the CME and LCH, respectively. Changes in fair value for derivatives not designated as hedging instruments are presented as realized gains (losses). </span></div><div style="margin-top:6pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our exposure is limited to the value of the derivative contracts in a gain position less any collateral held and plus any collateral posted. When there is a net negative exposure, we consider our exposure to the counterparty to be zero. At December&#160;31, 2021 and 2020, we had a net positive exposure (derivative gain positions to us, less collateral held by us and plus collateral posted with counterparties) related to derivatives of $9 million and $43 million, respectively.</span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">85</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have liquidity exposure related to collateral movements between us and our derivative counterparties. Movements in the value of the derivatives, which are primarily affected by changes in interest rates, may require us to return cash collateral held or may require us to access primary liquidity to post collateral to counterparties.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below highlights exposure related to our derivative counterparties as of December&#160;31, 2021. </span></div><div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.083%"><tr><td style="width:1.0%"></td><td style="width:67.132%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.365%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:29.103%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">SLM Corporation<br/>and&#160;Sallie&#160;Mae&#160;Bank<br/>Contracts</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total exposure, net of collateral</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,408&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Exposure to counterparties with credit ratings, net of collateral</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,408&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Percent of exposure to counterparties with credit ratings below S&amp;P AA- or Moody&#8217;s Aa3</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Percent of exposure to counterparties with credit ratings below S&amp;P A- or Moody&#8217;s A3</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Regulatory Capital</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is subject to various regulatory capital requirements administered by federal and state banking authorities.  Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material adverse effect on our business, results of operations, and financial condition. Under U.S. Basel III and the regulatory framework for prompt corrective action, the Bank must meet specific capital standards that involve quantitative measures of its assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank&#8217;s capital amounts and its classification under the prompt corrective action framework are also subject to qualitative judgments by the regulators about components of capital, risk weightings, and other factors. The following capital amounts and ratios are based upon the Bank&#8217;s average assets and risk-weighted assets, as indicated.</span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:86.388%"><tr><td style="width:1.0%"></td><td style="width:47.774%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.404%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.260%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.919%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.314%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.115%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.711%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Actual</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">U.S. Basel III</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Minimum Requirements Plus Buffer</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)(2)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ratio</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ratio</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2021:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,314,657&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,643,132&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,314,657&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.1&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,995,232&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,410,183&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,464,699&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,314,657&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.1&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,198,808&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2020:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,579,005&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,794,780&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,579,005&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,179,375&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,849,820&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,692,169&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,579,005&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,264,424&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:174%">                                                                                                                                                                        </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:174%"> &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div><div style="padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reflects the U.S. Basel III minimum required ratio plus the applicable capital conservation buffer.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Bank&#8217;s regulatory capital ratios also exceeded all applicable standards for the Bank to qualify as &#8220;well capitalized&#8221; under the prompt corrective action framework. </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:120%">&#160;</span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">86   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span><br/></span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Capital Management </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank intends to maintain at all times regulatory capital levels that meet both the minimum levels required under U.S. Basel III (including applicable buffers) and the levels necessary to be considered &#8220;well capitalized&#8221; under the FDIC&#8217;s prompt corrective action framework, in order to support asset growth and operating needs, address unexpected credit risks, and protect the interests of depositors and the DIF administered by the FDIC. The Bank&#8217;s Capital Policy requires management to monitor these capital standards and the Bank&#8217;s compliance with them. The Board of Directors and management periodically evaluate the quality of assets, the stability of earnings, and the adequacy of the allowance for credit losses for the Bank. The Company is a source of strength for the Bank and will provide additional capital if necessary.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We believe that current and projected capital levels are appropriate for 2022. As of December&#160;31, 2021, the Bank&#8217;s risk-based and leverage capital ratios exceed the required minimum ratios and the applicable buffers under the fully phased-in U.S. Basel III standards as well as the &#8220;well capitalized&#8221; standards under the prompt corrective action framework. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under U.S. Basel III, the Bank is required to maintain the following minimum regulatory capital ratios: a Common Equity Tier 1 risk-based capital ratio of 4.5 percent, a Tier 1 risk-based capital ratio of 6.0 percent, a Total risk-based capital ratio of 8.0 percent, and a Tier 1 leverage ratio of 4.0 percent. In addition, the Bank is subject to a Common Equity Tier 1 capital conservation buffer of greater than 2.5 percent. Failure to maintain the buffer will result in restrictions on the Bank&#8217;s ability to make capital distributions, including the payment of dividends, and to pay discretionary bonuses to executive officers.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021, the Bank had a Common Equity Tier 1 risk-based capital ratio and a Tier 1 risk-based capital ratio of 14.1 percent, a Total risk-based capital ratio of 14.5 percent and a Tier 1 leverage ratio of 11.1 percent, which exceed the capital levels required under U.S. Basel III and the &#8220;well capitalized&#8221; standard.</span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Dividends</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank&#8217;s ability to pay dividends is subject to the laws of Utah and the regulations of the FDIC. Generally, under Utah&#8217;s industrial bank laws and regulations as well as FDIC regulations, the Bank may pay dividends to the Company from its net profits without regulatory approval if, following the payment of the dividend, the Bank&#8217;s capital and surplus would not be impaired.  The Bank declared $1.4&#160;billion, $579 million, and $254 million in dividends to the Company for the years ended December 31, 2021, 2020 and 2019, respectively, with the proceeds primarily used to fund the 2021, 2020, and 2019 Share Repurchase Programs, respectively, and stock dividends. See Part I, Item 1. &#8220;Business &#8212; Supervision and Regulation &#8212; Regulation of Sallie Mae Bank &#8212; Dividends and Share Repurchase Programs,&#8221; regarding the expectation that the Bank will pay dividends to the Company as may be necessary to enable the Company to pay any declared dividends on its Series B Preferred Stock and common stock and to consummate any common share repurchases by the Company under the share repurchase programs. See also Part I, Item 1A. &#8220;Risk Factors &#8212; General Risks&#8221; for possible limitations on the payments of our dividends.</span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">87</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Borrowings</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Outstanding borrowings consist of unsecured debt and secured borrowings issued through our term ABS program and our Secured Borrowing Facility. The issuing entities for those secured borrowings are variable interest entities and are consolidated for accounting purposes. The following table summarizes our secured borrowings at December 31, 2021 and 2020. For additional information, see Notes to Consolidated Financial Statements, Note 11, &#8220;Borrowings.&#8221;</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.861%"><tr><td style="width:1.0%"></td><td style="width:26.864%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.441%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.027%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.824%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.173%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.971%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.027%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.173%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.472%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unsecured borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unsecured debt (fixed-rate)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total unsecured borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Secured borrowings:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,897,996&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,897,996&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,261,233&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,261,233&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable-rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,046,856&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,046,856&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,235,105&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,235,105&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loan term securitizations</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,944,852&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,944,852&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total secured borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,944,852&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,944,852&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,930,990&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,930,990&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,189,217&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,189,217&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span><br/></span></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Short-term borrowings </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On July 30, 2021, we amended our Secured Borrowing Facility to extend the maturity of the facility. The amount that can be borrowed under the facility is $2 billion. We hold 100 percent of the residual interest in the Secured Borrowing Facility trust.&#160;Under the Secured Borrowing Facility, we incur financing costs on unused borrowing capacity and on outstanding advances. The amended Secured Borrowing Facility extended the revolving period, during which we may borrow, repay. and reborrow funds, until May 17, 2022.&#160;The scheduled amortization period, during which amounts outstanding under the Secured Borrowing Facility must be repaid, ends on May 17, 2023 (or earlier, if certain material adverse events occur). At December 31, 2021, and December 31, 2020, there were no secured borrowings outstanding under the Secured Borrowing Facility. For additional information, see Notes to Consolidated Financial Statements, Note 11, &#8220;Borrowings.&#8221;</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Short-term borrowings have a remaining term to maturity of one year or less. The Secured Borrowing Facility&#8217;s contractual maturity is two years from the date of inception or renewal (one-year revolving period plus a one-year amortization period); however, we classify advances under our Secured Borrowing Facility as short-term borrowings because it is our intention to repay those advances within one year. </span></div><div style="margin-top:5pt"><span><br/></span></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Long-term borrowings</span></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">    Unsecured Debt</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 15, 2021, we redeemed $200 million, 5.125 percent Senior Notes due April 5, 2022. The Senior Notes were redeemed at 101.39 percent of their principal amount, plus the accrued and unpaid interest thereon through the redemption date. As a result of the redemption, we recognized a $3&#160;million loss on the transaction. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On October 29, 2020, we issued at par an unsecured debt offering of $500&#160;million of 4.20 percent Senior Notes due October 29, 2025. At December 31, 2021, the outstanding balance was $495&#160;million.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 1, 2021, we issued an unsecured debt offering of $500&#160;million, 3.125 percent Senior Notes due November 2, 2026, at a price of 99.43 percent. At December 31, 2021, the outstanding balance was $491&#160;million.</span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">88   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">     Secured Financings</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2021 Transactions</span></div><div style="margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On May 19, 2021, we executed our $531&#160;million SMB Private Education Loan Trust 2021-B term ABS transaction, which was accounted for as a secured financing. We sold $531&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $529&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.26 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 0.77 percent. At December 31, 2021, $496&#160;million of our Private Education Loans, including $467&#160;million of principal and $29&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On August 18, 2021, we executed our $527&#160;million SMB Private Education Loan Trust 2021-D term ABS transaction, which was accounted for as a secured financing. We sold $527&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $525&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.22 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 0.69 percent. At December 31, 2021, $515&#160;million of our Private Education Loans, including $485&#160;million of principal and $30&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-bottom:6pt;margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 9, 2021, we executed our $534&#160;million SMB Private Education Loan Trust 2021-E term ABS transaction, which was accounted for as a secured financing. We sold $534&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $532&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.15 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 0.69 percent. At December 31, 2021, $533&#160;million of our Private Education Loans, including $502&#160;million of principal and $31&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2020 Transactions</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 12, 2020, we executed our $636&#160;million SMB Private Education Loan Trust 2020-A term ABS transaction, which was accounted for as a secured financing. We sold $636&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $634&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.18 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 0.88 percent. At December 31, 2021, $496&#160;million of our Private Education Loans, including $469&#160;million of principal and $27&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On August 12, 2020, we executed our $707&#160;million SMB Private Education Loan Trust 2020-B term ABS transaction, which was accounted for as a secured financing. We sold $707&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $705&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.14 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 1.30 percent. At December 31, 2021, $615&#160;million of our Private Education Loans, including $581&#160;million of principal and $34&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Pre-2020 Transactions</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to 2020, we executed a total of $6.9 billion in ABS transactions that were accounted for as secured financings. At December 31, 2021, $3.6 billion of our Private Education Loans, including $3.5 billion of principal and $141 million in capitalized interest, were encumbered as a result of these transactions.  </span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Other Borrowing Sources</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain discretionary uncommitted Federal Funds lines of credit with various correspondent banks, which totaled $125 million at December&#160;31, 2021. The interest rate we are charged on these lines of credit is priced at Fed Funds plus a spread at the time of borrowing, and is payable daily. We did not utilize these lines of credit in the years ended December 31, 2021 and 2020.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We established an account at the FRB to meet eligibility requirements for access to the Primary Credit borrowing facility at the FRB&#8217;s Discount Window (the &#8220;Window&#8221;). The Primary Credit borrowing facility is a lending program available to depository institutions that are in generally sound financial condition. All borrowings at the Window must be fully collateralized. We can pledge asset-backed and mortgage-backed securities, as well as FFELP Loans and Private Education Loans, to the FRB as collateral for borrowings at the Window. Generally, collateral value is assigned based on the estimated fair value of the pledged assets. At December&#160;31, 2021 and December&#160;31, 2020, the value of our pledged </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">89</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">collateral at the FRB was $3.3 billion and $3.8 billion, respectively. The interest rate charged to us is the discount rate set by the FRB. We did not utilize this facility in the years ended December 31, 2021 and 2020.</span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Contractual Loan Commitments</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When we approve a Private Education Loan at the beginning of an academic year, that approval may cover the borrowing for the entire academic year. As such, we do not always disburse the full amount of the loan at the time of such approval, but instead have a commitment to fund a portion of the loan at a later date (usually at the start of the second semester or subsequent trimesters). At December&#160;31, 2021, we had $1.8 billion of outstanding contractual loan commitments which we expect to fund during the remainder of the 2021/2022 academic year. At December&#160;31, 2021, we had a $73 million reserve recorded in &#8220;Other Liabilities&#8221; to cover expected losses that may occur during the one-year loss emergence period on these unfunded commitments.</span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Contractual Cash Obligations </span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to our contractual loan commitments, we have certain other contractual cash obligations and commitments. This includes contractual principal obligations associated with long-term Bank deposits, secured borrowings, unsecured debt, and lease obligations. Our material contractual cash obligations relate to bank deposits. At December&#160;31, 2021, we had $5.7 billion of principal obligations related to bank deposits due in the next year, and $8.4&#160;billion thereafter. At December 31, 2021, our contractual cash obligations due in the next year for secured borrowings, and lease obligations were $718 million and $6 million, respectively, and our contractual cash obligations due thereafter for our secured borrowings, unsecured debt, and lease obligations were $4.4 billion, $1.0 billion and $45 million, respectively. </span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Other Cash Obligations </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Beginning in 2022, the Tax Cuts and Jobs Act of 2017 eliminates the option to deduct research and development expenditures immediately in the year incurred and requires taxpayers to amortize such expenditures over five years. If these provisions are not deferred, modified, or repealed by Congress with retroactive effect to January 1, 2022, they will decrease our cash from operations beginning in 2022. We currently estimate an approximately $18 million impact to 2022 cash from operations based on the provisions currently in effect. The actual impact on 2022 cash from operations will depend on if and when these provisions are deferred, modified, or repealed by Congress, including if retroactively, and the amount of research and development expenses paid or incurred in 2022, among other factors. In addition, recent proposals to increase the U.S. corporate income tax rate would require us to increase our net deferred tax assets upon enactment of new tax legislation, with a corresponding material, one-time, non-cash decrease in income tax expense, but our income tax expense and payments would likely be materially increased in subsequent years.</span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Common Stock </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our shareholders have authorized the issuance of 1.125 billion shares of common stock (par value of $0.20). At December 31, 2021, 279&#160;million shares were issued and outstanding and 41 million shares were unissued but encumbered for outstanding stock options, restricted stock, restricted stock units, performance stock units, and dividend equivalent units for employee compensation and remaining authority for stock-based compensation plans. See Notes to Consolidated Financial Statements, Note 13, &#8220;Stockholders&#8217; Equity&#8221; for additional details.</span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Arrangements with Navient Corporation </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the Spin-Off, we entered into a Separation and Distribution Agreement. We also entered into various other ancillary agreements with Navient to effect the Spin-Off and provide a framework for our relationship with Navient thereafter, such as a transition services agreement, a tax sharing agreement, an employee matters agreement, a loan servicing and administration agreement, a joint marketing agreement, a key services agreement, a data sharing agreement, and a master sublease agreement. The majority of these agreements were transitional in nature with most having terms that have expired or will expire within the next year.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We continue to have exposure to risks related to Navient&#8217;s creditworthiness. If we are unable to obtain indemnification payments from Navient, our results of operations and financial condition could be materially and adversely affected.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">90   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Spin-Off and applicable law, Navient is responsible for all liabilities (whether accrued, contingent, or otherwise and whether known or unknown) arising out of or resulting from the conduct of pre-Spin-Off SLM and its subsidiaries&#8217; businesses prior to the Spin-Off, other than certain specifically identified liabilities relating to the conduct of our consumer banking business for which the Bank is responsible. Nonetheless, given the prior usage of the Sallie Mae and SLM names by entities now owned by Navient, we and our subsidiaries may from time to time be improperly named as defendants in legal proceedings where the allegations at issue are the legal responsibility of Navient. Most of these legal proceedings involve matters that arose in whole or in part in the ordinary course of business of pre-Spin-Off SLM. Likewise, as the period of time since the Spin-Off increases, so does the likelihood any allegations that may be made may be in part for our own actions in a post-Spin-Off time period and in part for Navient&#8217;s conduct in a pre-Spin-Off time period. We will not be providing information on these proceedings unless there are material issues of fact or disagreement with Navient as to the bases of the proceedings or responsibility therefor that we believe could have a material, adverse impact on our business, assets, financial condition, liquidity, or outlook if not resolved in our favor.  </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We briefly summarize below some of the most significant agreements and relationships we continue to have with Navient. For additional information regarding the Separation and Distribution Agreement and the other ancillary agreements, see our Current Report on Form 8-K filed on May 2, 2014.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Separation and Distribution Agreement</span></div><div><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Separation and Distribution Agreement addresses, among other things, the following activities:</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the obligation of each party to indemnify the other against liabilities retained or assumed by that party pursuant to the Separation and Distribution Agreement and in connection with claims of third-parties; </span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the allocation among the parties of rights and obligations under insurance policies; and</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the creation of a governance structure by which matters related to the separation and other transactions contemplated by the Separation and Distribution Agreement are to be managed.</span></div><div><span><br/></span></div><div style="text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Separation and Distribution Agreement provides specific processes and procedures pursuant to which we may submit claims for indemnification to Navient. If for any reason Navient is unable or unwilling to pay claims made against it, our costs, operating expenses, cash flows, and financial condition could be materially and adversely affected over time.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Indemnification Obligations</span></div><div><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Separation and Distribution Agreement, and as contemplated by the structure of the Spin-Off, Navient is legally obligated to indemnify the Bank against all claims, actions, damages, losses, or expenses that may arise from the conduct of all activities of pre-Spin-Off SLM occurring prior to the Spin-Off, except for certain liabilities related to the conduct of the pre-Spin-Off consumer banking business that were specifically assumed by the Bank (and as to which the Bank is obligated to indemnify Navient). Some significant examples of the types of indemnification obligations Navient has under the Separation and Distribution Agreement and related ancillary agreements include:</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Navient is required to indemnify the Company and the Bank for any liabilities, costs, or expenses they may incur arising from any action or threatened action related to the servicing, operations, and collections activities of pre-Spin-Off SLM and its subsidiaries with respect to Private Education Loans and FFELP Loans that were assets of the Bank or Navient at the time of the Spin-Off; provided that written notice was provided to Navient on or prior to April 30, 2017, the third anniversary date of the Spin-Off. Navient is not required to indemnify for changes in law or changes in prior existing interpretations of law that occur on or after April 30, 2014. </span></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In connection with the Spin-Off, we recorded a liability related to uncertain tax positions of $27&#160;million for which we are indemnified by Navient. As of December 31, 2021, the remaining balance of the indemnification receivable related to those uncertain tax positions was $5 million. </span></div><div style="padding-left:36pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Long-Term Arrangements</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The loan servicing and administration agreement governs the terms by which Navient provides servicing, administration, and collection services for the Bank&#8217;s portfolio of FFELP Loans, as well as servicing history information </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">91</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">with respect to Private Education Loans previously serviced by Navient and access to certain promissory notes in Navient&#8217;s possession. The term of the loan servicing and administration agreement has been extended to April 30, 2022.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The data sharing agreement provided us the right to obtain from Navient certain post-Spin-Off performance data relating to Private Education Loans owned or serviced by Navient to support and facilitate ongoing underwriting, originations, forecasting, performance, and reserve analyses. The term of the data sharing agreement expired on April 29, 2019, however.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The tax sharing agreement governs the respective rights, responsibilities, and obligations of us and Navient, after the Spin-Off relating to taxes, including with respect to the payment of taxes, the preparation and filing of tax returns, and the conduct of tax contests. Under this agreement, each party is generally liable for taxes attributable to its business. The agreement also addresses the allocation of tax liabilities that are incurred as a result of the Spin-Off and related transactions.</span></div><div style="text-indent:13.5pt"><span><br/></span></div><div><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">92   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_1099511629633"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Critical Accounting Policies and Estimates </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations addresses our consolidated financial statements, which have been prepared in accordance with GAAP. Notes to Consolidated Financial Statements, Note&#160;2, &#8220;Significant Accounting Policies&#8221; includes a summary of the significant accounting policies and methods used in the preparation of our consolidated financial statements. The preparation of these financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the reported amounts of income and expenses during the reporting periods. Actual results may differ from these estimates under varying assumptions or conditions. On a quarterly basis, management evaluates its estimates, particularly those that include the most difficult, subjective, or complex judgments and are often about matters that are inherently uncertain. The most significant judgments, estimates, and assumptions relate to the following critical accounting policies that are discussed in more detail below. </span></div><div style="margin-top:6pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Adoption of CECL</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 1, 2020, we adopted ASU No. 2016-13 (&#8220;CECL&#8221;) using the modified retrospective method and it had a material impact on how we record and report our financial condition and results of operations and on regulatory capital. The following table illustrates the impact of the cumulative effect adjustment made upon adoption of CECL: </span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:65.694%"><tr><td style="width:1.0%"></td><td style="width:34.206%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.548%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.396%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.024%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.396%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.029%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">January 1, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As reported under CECL</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Pre-CECL Adoption</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Impact of CECL Adoption</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Assets:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,435,130&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,060,830&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,485&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,852&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">145,060&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79,183&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">188&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,584,965&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">441,912&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,143,053&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax asset</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">415,540&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">109,369&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">306,171&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Off-balance sheet exposures</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">118,239&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,481&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">115,758&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Equity:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Retained Earnings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">897,873&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,850,512&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(952,639)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This transition adjustment is inclusive of qualitative adjustments incorporated into our CECL allowance as necessary, to address any limitations in the models used. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under CECL, for all loans carried at amortized cost, upon loan origination we are required to measure our allowance for credit losses based on our estimate of all current expected credit losses over the remaining contractual term of the assets. Updates to that estimate each period are recorded through provision expense. The estimate of credit losses must be based on historical experience, current conditions, and reasonable and supportable forecasts. CECL does not mandate the use of any specific method for estimating credit loss, permitting companies to use judgment in selecting the approach that is most appropriate in their circumstances. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">93</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Losses</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain an allowance for credit losses for the lifetime expected credit losses on loans in our portfolios, as well as for future loan commitments, at the reporting date. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In determining the lifetime expected credit losses on our Private Education Loan portfolio loan segments, we use a discounted cash flow model. This method requires us to project future principal and interest cash flows on our loans in those portfolios. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To estimate the future expected cash flows, we use a vintage-based model that considers life of loan loss expectations, prepayments (both voluntary and involuntary), defaults, recoveries, and any other adjustments deemed necessary, to determine the adequacy of the allowance at each balance sheet date. These cash flows are discounted at the loan&#8217;s effective interest rate to calculate the present value of those cash flows. Management adjusts the effective interest rate used to discount expected cash flows to incorporate expected prepayments. The difference between the present value of those cash flows and the amortized cost basis of the underlying loans is the allowance for credit losses. Entities that measure credit losses based on the present value of expected future cash flows are permitted to report the entire change in present value as credit loss expense, but may alternatively report the change in present value due to the passage of time as interest income. We have elected to report the entire change in present value as credit loss expense.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In determining the loss rates used for the vintage-based approach, we start with our historical loss rates, stratify the loans within each vintage, and then adjust the loss rates based upon economic factors forecasted over a reasonable and supportable forecast period. The reasonable and supportable forecast period is meant to represent the period in which we believe we can estimate the impact of forecasted economic factors in our expected losses. At the end of the reasonable and supportable forecast period, we immediately revert our forecast of expected losses to our historical averages. We use a two-year reasonable and supportable forecast period, although this period is subject to change as our view evolves on our ability to reasonably forecast economic conditions to estimate future losses.  </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating our current expected credit losses, we use a combination of expected economic scenarios coupled with our historical experience to derive a base case adjusted for any qualitative factors (as described below). We also develop an adverse and favorable economic scenario. At each reporting date, we determine the appropriate weighting of these alternate scenarios based upon the current economic conditions and our view of the risks of alternate outcomes. This weighting of expectations is used in calculating our current expected credit losses recorded each period.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating recoveries, we use both estimates of what we would receive from the sale of defaulted loans as well as historical borrower payment behavior to estimate the timing and amount of future recoveries on charged-off loans.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use historical experience and economic forecasts to estimate future prepayment speeds. As with our loss forecasts, at the end of the two-year reasonable and supportable forecast for prepayments, we immediately revert to our historical long-term prepayment rates. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the above modeling approach, we also take certain other qualitative factors into consideration when calculating the allowance for credit losses. These qualitative factors include, but are not limited to, changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off and recovery practices not already included in the analysis, and the effect of other external factors such as legal and regulatory requirements on the level of estimated current expected credit losses.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The evaluation of the allowance for credit losses is inherently subjective, as it requires material estimates that may be susceptible to significant changes. If actual future performance in delinquency, charge-offs, and recoveries is significantly different than estimated, or management assumptions or practices were to change, this could materially affect the estimate of the allowance for credit losses, the timing of when losses are recognized, and the related provision for credit losses on our consolidated statements of income.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When calculating our allowance for credit losses and liability for unfunded commitments, we incorporate several inputs that are subject to change period to period. These include, but are not limited to, CECL model inputs and any overlays deemed necessary by management. The most impactful CECL model inputs include: </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Economic forecasts;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Weighting of economic forecasts;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Prepayment speeds; and</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Recovery rates.</span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">94   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management overlays can encompass a broad array of factors not captured by model inputs, including but not limited to, changes in servicing policies, collection administration practices, state law changes that could impact servicing and collection practices, and observed differences between forecasted and actual results. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Of the model inputs outlined above, economic forecasts, weighting of economic forecasts, prepayments speeds, and recovery rates are subject to estimation uncertainty, and changes in these inputs could have a material impact to our allowance for credit losses and the related provision for credit losses. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In determining the adequacy of the allowance for credit losses, we include forecasts of college graduate unemployment and the Consumer Price Index in our loss forecasting models. We obtain forecasts for these two inputs from Moody&#8217;s Analytics. Moody&#8217;s Analytics provides a range of forecasts for each of these inputs with various likelihoods of occurrence. We determine which forecasts we will include in our estimation of allowance for credit losses and the associated weightings for each of these inputs. At January 1, 2020 (the initial adoption date of CECL), December 31, 2020, and December 31, 2021, we used the Base (50th percentile likelihood of occurring)/S1 (stronger near-term growth scenario with 10 percent likelihood of occurring)/S3 (downside scenario with 10 percent likelihood of occurring) scenarios and weighted them 40 percent, 30 percent, and 30 percent, respectively. Management reviews both the scenarios and their respective weightings each quarter in determining the allowance for credit losses.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the first quarter of 2021, we increased our estimates of future prepayment speeds during both the two-year reasonable and supportable period as well as the remaining term of the underlying loans. These faster estimated prepayment speeds during the two-year reasonable and supportable period reflected the significant improvement in economic forecasts, as well as the implementation of an updated prepayment speed model. We experienced higher prepayments during the COVID-19 pandemic, when unemployment rates were elevated, than we would have expected based upon our experience during past financial crises. In the fourth quarter of 2021, we increased our long-term estimate of prepayment speeds to reflect higher long-term prepayment experience.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A one-percent increase in the college graduate unemployment rate is estimated to increase our allowance for credit losses by $16.9 million and a one-percent decrease in the college graduate unemployment rate is estimated to decrease our allowance for credit losses by $16.2 million. Increases in the weighting of economic forecasts resulting in greater weight given to more severe economic forecasts would result in an increase in the allowance for credit losses.  A one-percent increase in prepayment speeds is estimated to decrease our allowance for credit losses by $20.4&#160;million and a one-percent decrease in prepayment speeds is estimated to increase our allowance for credit losses by $20.5 million. The estimated impacts of changes in prepayment speeds and the college graduate unemployment rates on the allowance for credit losses were calculated for the two-year reasonable and supportable period, but were not calculated for the remaining periods since long-term assumptions used to calculate the allowance for the remaining periods will not change. A one-percent change in recovery rates is estimated to change the allowance for credit losses by $14.2 million. The estimated change in the recovery rate is based on long-term assumptions. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Below we describe in further detail our policies and procedures for the allowance for credit losses as they relate to our Private Education Loan, Credit Card, and FFELP Loan portfolios. During the third quarter of 2020, we sold our entire Personal Loan portfolio. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Private Education Loan Losses</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the key assumptions/estimates described above, some estimates are unique to our Private Education Loan portfolio. Estimates are made on our Private Education Loans regarding when each borrower will separate from school. The cash flow timing of when a borrower will begin making full principal and interest payments is dependent upon when the student either graduates or leaves school. These dates can change based upon many factors. We receive information regarding projected graduation dates from a third-party clearinghouse. The separation from school date is updated quarterly based on updated information received from the clearinghouse.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, when we have a contractual obligation to fund a loan or a portion of a loan at a later date, we make an estimate regarding the percentage of this obligation that will be funded. This estimate is based on historical experience. For unfunded commitments, we recognize the related life of loan allowance as a liability. Once the loan is funded, that liability transfers to the allowance for Private Education Loan losses.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Key Credit Quality Indicators - Private Education Loans</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We determine the collectability of our Private Education Loan portfolio by evaluating certain risk characteristics. We consider credit score at original approval and periodically refreshed/updated credit scores through the loan&#8217;s term, existence of a cosigner, loan status, and loan seasoning as the key credit quality indicators because they have the most significant effect on the determination of the adequacy of our allowance for credit losses. Credit scores are an indicator of </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">95</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">the creditworthiness of borrowers and the higher the credit scores the more likely it is the borrowers will be able to make all of their contractual payments. Loan status affects the credit risk because a past due loan is more likely to result in a credit loss than a current loan. Additionally, loans in the deferred payment status have different credit risk profiles compared with those in current pay status. Loan seasoning affects credit risk because a loan with a history of making payments generally has a lower incidence of default than a loan with a history of making infrequent or no payments. The existence of a cosigner lowers the likelihood of default as well. We monitor and update these credit quality indicators in the analysis of the adequacy of our allowance for credit losses on a quarterly basis.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We collect on defaulted loans through a mix of in-house collectors, third-party collectors, and sales to third-parties. For December 31, 2021 and 2020, we used both an estimate of recovery rates from in-house collections as well as expectations of future sales of defaulted loans to estimate the timing and amount of future recoveries on charged-off loans.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Private Education Loans generally do not require borrowers to begin principal and interest repayment until at least six months after the borrowers have graduated or otherwise separated from school. Consequently, the loss estimates for these loans are generally low while the borrower is in school and then increase upon the end of the grace period after separation from school. At both December 31, 2021 and 2020, 24 percent of the principal balance of the Private Education Loan portfolio was related to borrowers who were then in an in-school (fully deferred), grace, or other deferment status and not required to make payments. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our collection policies for Private Education Loans allow for periods of nonpayment for certain borrowers requesting an extended grace period upon leaving school or experiencing temporary difficulty meeting payment obligations. This is referred to as forbearance and is considered in estimating the allowance for credit losses. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As part of concluding on the adequacy of the allowance for credit losses for Private Education Loans, we review key allowance and loan metrics. The most relevant of these metrics considered are the allowance as a percentage of ending total loans, delinquency percentages, and forbearance percentages.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We consider a Private Education Loan to be delinquent if the borrower has not made a required payment prior to the 31st day after such payment was contractually due. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Troubled Debt Restructurings (&#8220;TDRs&#8221;)</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating the expected defaults for our Private Education Loans that are considered TDRs, we follow the same discounted cash flow process described above but use the historical loss rates related to past TDR loans. The appropriate gross loss rates are determined for each individual loan by evaluating loan maturity, risk characteristics, and macroeconomic conditions.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for our TDR portfolio is included in our overall allowance for Private Education Loans. Our TDR portfolio is comprised mostly of loans with interest rate reductions and loans with forbearance usage greater than three months, as further described below.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations, achieve better student outcomes, and increase the collectability of the loans. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. When we give a borrower facing financial difficulty an interest rate reduction, we temporarily reduce the rate (currently to 4.0 percent) for a two-year period and, in the vast majority of cases, permanently extend the final maturity of the loan. The combination of these two loan term changes helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We classify a loan as a TDR due to forbearance using a two-step process. The first step is to identify a loan that was in full principal and interest repayment status and received more than three months of forbearance in a 24-month period; however, during the first nine months after a loan had entered full principal and interest repayment status, we do not count up to the first six months of forbearance received during that period against the three-month policy limit. The second step is to evaluate the creditworthiness of the loan by examining its most recent refreshed FICO score. Loans that have met the criteria in the first test and have a FICO score above a certain threshold (based on the most recent quarterly FICO score refresh) will not be classified as TDRs. Loans that have met the criteria in the first test and have a FICO score under the threshold (based on the most recent quarterly FICO score refresh) will be classified as TDRs.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A loan also becomes a TDR when it is modified to reduce the interest rate on the loan (regardless of when such modification occurs and/or whether such interest rate reduction is temporary). Once a loan qualifies for TDR status, it </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">96   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">remains a TDR for allowance purposes for the remainder of its life. About half our loans that are considered TDRs involve a temporary forbearance of payments and do not change the contractual interest rate of the loan. As of both December 31, 2021 and 2020, approximately 47 percent, respectively, of TDRs were classified as such due to their forbearance status. For additional information, see Notes to Consolidated Financial Statements, Note 7, &#8220;Allowance for Credit Losses.&#8221;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 27, 2020, then President Trump signed into law the CARES Act, which, among other things, allows us to (i) elect to suspend the requirements under GAAP for loan modifications related to COVID-19 that would otherwise be categorized as TDRs, and (ii) suspend any determination of a loan modified as a result of the effects of COVID-19 as being a TDR, including impairment for accounting purposes. Furthermore, on December 27, 2020, the CAA was signed into law. The CAA provides for additional COVID-19 focused relief and extends certain provisions of the CARES Act. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have elected to suspend TDR accounting for both forbearance and interest rate modifications of loans that occur as a result of COVID-19 for the applicable period of the CARES Act and CAA relief. The relief from TDR guidance applies to modifications of loans that were not more than 30 days past due as of December 31, 2019, and that occur during the period beginning on March 1, 2020, and ending on the earlier of (i) sixty days after the date on which the national emergency related to the COVID-19 outbreak is terminated, or (ii) January 1, 2022. We are continuing to apply TDR accounting to those loans that were more than 30 days past due as of December 31, 2019 and were subsequently modified.   </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Off-Balance Sheet Exposure for Contractual Loan Commitments</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When we approve a Private Education Loan at the beginning of an academic year, that approval may cover the borrowing for the entire academic year. As such, we do not always disburse the full amount of the loan at the time of such approval, but instead have a commitment to fund a portion of the loan at a later date (usually the start of the second semester or subsequent trimesters). We estimate expected credit losses over the contractual period in which we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by us. The discounted cash flow approach described above includes expected future contractual disbursements. The portion of the allowance for credit losses related to future disbursements is shown as a liability on the face of the balance sheet, and related provision for credit losses is reflected on the income statement.  </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Uncollectible Interest</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The majority of the total accrued interest receivable on our Private Education Loan portfolio represents accrued interest on deferred loans where no payments are due while the borrower is in school and on fixed-pay loans where the borrower makes a $25 monthly payment that is smaller than the interest accrued on the loan in that month. The accrued interest on these loans will be capitalized and increase the unpaid principal balance of the loans when the borrower exits the grace period after separation from school. The discounted cash flow approach described above considers both the collectability of principal as well as this portion of accrued interest that is expected to capitalize to the balance of the loan. Therefore, the allowance for this portion of accrued interest balance is included in our allowance for credit losses. The discounted cash flow approach does not consider interest accrued on loans that are in a full principal and interest repayment status or in interest-only repayment status. We separately capture the amount of expected uncollectible interest associated with these loans using historical experience to estimate the uncollectible interest for the next four months at each period-end date. This amount is recorded as a reduction of interest income. Accrued interest receivable is separately disclosed on the face of the balance sheet. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Card Loans</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use the gross loss approach when estimating the allowance for credit losses for our Credit Card portfolio. Because our Credit Card portfolio is new and we do not have sufficient historical loss experience, we use estimated loss rates reported by other financial institutions to estimate our allowance for credit losses for Credit Cards, net of expected recoveries. In addition, we use a model that utilizes purchased credit card information with risk characteristics similar to those of our own portfolio as a challenger model. We then consider any qualitative factors that may change our future expectations of losses.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As all of our Credit Card loans are unconditionally cancelable by us, the issuer, we do not record any estimate of credit losses for unused portions of our Credit Card commitments. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for FFELP Loan Losses</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FFELP Loans are insured as to their principal and accrued interest in the event of default, subject to a risk-sharing level based on the date of loan disbursement. These insurance obligations are supported by contractual rights against the United States. For loans disbursed on or after July 1, 2006, we receive 97 percent reimbursement on all qualifying claims.  For loans disbursed after October 1, 1993, and before July 1, 2006, we receive 98 percent reimbursement on all qualifying </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">97</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">claims. For loans disbursed prior to October 1, 1993, we receive 100 percent reimbursement. Because we bear a maximum of three percent loss exposure due to this federal guarantee, our allowance for credit losses for FFELP Loans and related periodic provision expense are relatively small.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use the gross loss approach when estimating the allowance for credit losses for the unguaranteed portion of our FFELP Loans. We maintain an allowance for credit losses for our FFELP Loans at a level sufficient to cover lifetime expected credit losses. The allowance for FFELP Loan losses uses historical experience of customer default behavior. We apply the default rate projections, net of applicable risk sharing, to our FFELP Loans for the current period to perform our quantitative calculation. Once the quantitative calculation is performed, we review the adequacy of the allowance for credit losses and determine if qualitative adjustments need to be considered.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">98   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_1099511629649"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Risk Management </span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our Approach </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Risk is inherent in our business activities and the specialized lending industry we serve. The ability of management to anticipate, identify, and remediate risk in a timely manner is critical to our continued success. Our risk management framework is designed to identify, remediate, control, and report these risks and escalate as appropriate to the Board of Directors or its designee.</span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Risk Oversight </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Board of Directors oversees our overall strategic direction, including our risk management capability and effectiveness. The Board of Directors has oversight of key policies as well as the risk management framework developed and administered by the management team. We have a robust process to escalate to the Board meaningful departures from our risk appetite statements. The Board of Directors oversees the continued development of the risk management program.</span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Governance Framework</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our overall objective is to ensure all significant risks inherent in our business can be identified, remediated where appropriate, managed, monitored, and reported. To this end, we have adopted the &#8220;three lines of defense&#8221; approach to governance. Specifically, the business units form the &#8220;first line of defense&#8221; and are the &#8220;owners&#8221; of risks in their business activities. As the risk owner, the first line of defense is accountable for the day-to-day execution of risk and control policies and procedures (including activities performed by third-party contractors). Our Independent Risk Function constitutes the &#8220;second line of defense&#8221; and conducts oversight and effective challenge of the risk and control activities within the first line of defense. Rather than focusing on execution, the second line of defense is accountable for the related policy and standards executed upon by the first line of defense. Finally, the Internal Audit function comprises the &#8220;third line of defense.&#8221; The Internal Audit function provides opinions to the Board of Directors on the effectiveness of the first and second lines of defense, as reflected in audit reports. </span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:120%">&#160;</span></div><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Risk Management Policy and Risk Appetite Framework</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The risk management policy and risk appetite framework are designed to establish a stable risk and control environment across the enterprise. The policy, which is approved by the Board of Directors, outlines the framework used to ensure that risk and control issues across the enterprise are identified, assessed, measured, remediated, managed, monitored, and reported. The risk management policy, the risk appetite framework, and the related policies and procedures constitute the core of the Independent Risk governance program. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The risk appetite statements are at the heart of the governance framework and establish the level of risk we are willing to accept within each risk category, as described below, in pursuit of our business objectives. Compliance with our risk appetite is monitored using a set of risk metrics, with thresholds and limits, for each risk type. The Enterprise Risk Committee (the &#8220;ERC&#8221;) provides oversight of the risk appetite framework with escalation to the Board of Directors, as appropriate. Our Board of Directors approves the risk appetite framework annually and requires that management provide ongoing updates on adherence to the risk appetites.  </span></div><div style="padding-left:11.25pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">99</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Board of Directors Committee Structure</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have a robust Board of Directors committee structure that facilitates oversight, effective challenge, and escalation of risk and control issues.  </span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Financial Risk Committee.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The Financial Risk Committee was established to assist the Board of Directors in fulfilling its risk management oversight responsibilities with regard to financial risks. Annually, the Financial Risk Committee, along with the Operational and Compliance Risk Committee, recommends the risk management policy and the risk appetite framework to the Board of Directors for approval. The Financial Risk Committee receives periodic updates on compliance with the framework from the Chief Risk Officer. </span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Operational and Compliance Risk Committee. </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Operational and Compliance Risk Committee assists the Board of Directors in fulfilling their oversight responsibilities relating to the major non-financial risks, including compliance risks, operational risks, information security risk and model risk. Annually, the Operational and Compliance Risk Committee, along with the Financial Risk Committee, recommends the risk management policy and the risk appetite framework to the Board of Directors for approval. The Operational and Compliance Risk Committee receives periodic updates on compliance with the framework from the Chief Risk Officer. </span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Audit Committee</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The Audit Committee is responsible for oversight of the Internal Audit function. Additionally, the Audit Committee oversees the quality and integrity of our financial reporting process and financial statements; the qualifications, hiring, performance, and independence of our independent registered accounting firm; and our system of internal financial controls.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Nominations and Governance Committee.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The Nominations and Governance Committee, among other things: (i) implements good governance policies for us and our Board of Directors; (ii) reviews related party transactions; (iii) conducts assessments of the performance of our Board of Directors and its committees; and (iv) recommends nominees for election to our Board of Directors. </span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Compensation Committee</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The Compensation Committee assists the Board of Directors in fulfilling its oversight responsibilities including those related to the compensation and benefits of our Chief Executive Officer (&#8220;CEO&#8221;), our incentive compensation practices for employees of all levels, and management&#8217;s succession planning.</span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Preferred Stock Committee.  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Preferred Stock Committee monitors and evaluates proposed actions that may impact the rights of holders of our preferred stock.</span></div><div style="margin-top:4.5pt;padding-left:11.25pt;text-indent:24.75pt"><span><br/></span></div><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Management-Level Committee Structure</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Executive Committee (&#8220;EC&#8221;)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The EC is authorized by the Board of Directors to assist the CEO in the general supervision of the business of the Company. Specifically, the EC will (i) provide to the CEO advice and counsel, subject matter expertise, and recommendations as requested, and (ii) through its subcommittees, facilitate the evaluation and decision-making on routine cross-functional matters, and assist management in the fulfillment of management&#8217;s duties related to specific risks.  The EC has established the following sub-committees to assist in fulfilling its duties. </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Enterprise Risk Committee</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The ERC provides independent oversight and effective challenge to risk and control activities across the enterprise. Additionally, through reports from the Chief Risk Officer the ERC informs the Financial Risk Committee and the Operational and Compliance Risk Committee of the Board of Directors, including escalation of instances of non-compliance with the framework.  </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Credit Committee</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The Credit Committee is responsible for credit and counterparty risk, product pricing, and credit and collections operations.</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Operational Risk Committee (&#8220;ORC&#8221;)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The ORC is the oversight body for risk related to inadequate or failed internal processes, people, and systems or from external events. It also reviews information technology risk and regulatory and legal risks.</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Asset and Liability Committee (&#8220;ALCO&#8221;).</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> ALCO is responsible for the strategy, processes, and authorities with which the Bank&#8217;s interest rate risk, liquidity, and capital adequacy are managed. </span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Disclosure Committee.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Our Disclosure Committee assists our CEO and Chief Financial Officer in their review of periodic SEC reporting documents, earnings releases, investor materials, and related disclosure policies and procedures.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Each of these sub-committees is comprised of subject matter experts from the senior management team and is accountable to the EC. Moreover, these sub-committees may be supported by steering or working groups, as appropriate. </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">100   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Internal Audit  </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Internal Audit regularly monitors our various risk management and compliance efforts, identifies areas that may require increased focus and resources, and reports significant control issues and recommendations to executive management and the Audit Committee of the Board of Directors.  Annually, Internal Audit performs an independent risk assessment to evaluate the risk of all significant components of the Company and uses the results to develop their annual Internal Audit plan.  Additionally, Internal Audit performs selected reviews of both risk management and compliance functions, including key controls, processes, and systems, to assess the effectiveness of the overall risk management framework. The Internal Audit function provides challenge to the first and second lines of defense and also provides opinions to the Board of Directors on the effectiveness of the first and second lines of defense.</span></div><div style="margin-top:9pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Risk Categories </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our ERM framework is designed to address the following risk categories:</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Strategic Risk</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. Strategic risk is the risk to shareholder value and growth trajectory from incorrect assumptions about external and internal factors, inappropriate business plans, ineffective business strategy execution, or failure to respond in a timely manner to changes in the regulatory, macroeconomic, or competitive environments. Management must be able to develop and implement business strategies that leverage the organization&#8217;s core competencies and are appropriately structured, resourced, and executed. The overall development of the strategic plan includes extensive engagement with the Board of Directors. Similarly, the Board of Directors provides oversight and effective challenge on performance relative to the strategic plan.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Credit Risk</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. Credit risk is the risk to earnings, capital, or reputation resulting from an obligor&#8217;s failure to repay their contractual obligations to Sallie Mae or otherwise to perform as agreed. Credit risk is found in all activities where success depends on counterparty, issuer, or borrower performance.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The credit risk related to Private Education Loans is managed within a credit risk infrastructure that includes: (i)&#160;a well-defined underwriting, asset quality, and collection policy framework; (ii)&#160;an ongoing monitoring and review process of portfolio composition and trends; (iii)&#160;assignment and management of credit authorities and responsibilities; and (iv)&#160;establishment of an allowance for credit losses that covers estimated future losses based upon an analysis of portfolio metrics and economic factors.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Credit risk related to derivative contracts is managed by reviewing counterparties for credit strength on an ongoing basis and through our credit policies, which place limits on the amount of exposure we may take with any one counterparty and require collateral to secure the position. The credit and counterparty risk associated with derivatives is measured based on the replacement cost should the counterparty with contracts in a gain position to us fail to perform under the terms of the contract.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Market Risk.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Market risk is the risk to earnings, capital, or reputation resulting from changes in market conditions, such as interest rates, credit spreads, or other volatilities. We are exposed to various types of market risk, in particular the risk of loss resulting from interest rate risk, basis risk, and other risks that arise through the management of our investment, debt, and loan portfolios. Market risk exposures are managed primarily through ALCO. These activities are closely tied to those related to the management of our funding and liquidity risks. The Financial Risk Committee of our Board of Directors periodically reviews and approves the investment and asset and liability management policies and contingency funding plan developed and administered by ALCO. The Chief Financial Officer provides reports to the Financial Risk Committee of the Board of Directors on market risk management.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Liquidity Risk</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. Liquidity risk is the risk to earnings, capital, or reputation from an inability to meet financial obligations when they come due without incurring unacceptable losses, such as the inability to fund liability maturities and deposit withdrawals or invest in future asset growth and business operations at reasonable market rates, as well as the inability to fund Private Education Loan and other loan originations. </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our primary liquidity needs include our ongoing ability to: meet our funding needs through market cycles, including periods of financial stress; manage the relative maturities of assets and liabilities on our balance sheet; fund disbursements of Private Education Loans and other loans; and service our indebtedness and bank deposits. Ultimately, our liquidity risk relates to our ability to access the capital markets at reasonable rates and to maintain deposits and other </span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">101</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">funding sources through the Bank, as well as our maintenance of a reserve of cash and unencumbered highly liquid investment securities that may be readily converted to cash if needed.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our liquidity risk activities are centralized within our Corporate Finance department, which is responsible for developing and executing our funding strategy. We analyze and monitor our liquidity risk, maintain excess liquidity, and access diverse funding sources depending on current market conditions. Liquidity risks are overseen and recommendations approved primarily through ALCO. The Financial Risk Committee of our Board of Directors is responsible for periodically reviewing the liquidity positions and contingency funding plan developed and administered by ALCO. </span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Operational Risk</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. Operational risk is the risk to earnings, capital, or reputation resulting from inadequate or failed internal processes, people and systems and third-party vendors, or from external events. Operational risk is pervasive in that it exists in all business lines, functional units, legal entities, and geographic locations, and it includes information technology risk, physical security risk on tangible assets, as well as model, regulatory, and legal risk.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Operational risk exposures are managed through a combination of first line of defense and control activities and second line of defense oversight. The ORC is the management committee responsible for operational risk, and it supports the EC in its oversight duties. The ORC is responsible for escalation to the EC, as appropriate. Additionally, our key risk indicators include operational risk metrics, thresholds, and limits and are included in the periodic reporting to the Operational and Compliance Risk Committee of the Board of Directors.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Primary ownership and responsibility for legal risk is placed with the first lines of defense, working with their legal colleagues, to identify and manage. Compliance supports these activities by providing extensive training, monitoring, and testing of the processes, policies, and procedures utilized by the first lines of defense, maintaining relevant legal and regulatory requirements, and working in close coordination with our Legal department. The General Counsel provides periodic reports, as appropriate, to the Operational and Compliance Risk Committee and other committees of the Board of Directors.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Compliance Risk. </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The risk to earnings, capital, or reputation arising from violations of, or non-conformance with, laws, regulations, related self-regulatory organizations&#8217; standards, and Code of Business Conduct. </span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Code of Business Conduct and the on-going training our employees receive in many compliance areas provide a framework for our employees to conduct themselves with the highest integrity. We instill a risk-conscious culture through communications, training, policies, and procedures. </span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">102   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_49"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="text-align:center"><span><br/></span></div><div style="padding-left:60.75pt;text-indent:-60.75pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Item&#160;7A. &#160;&#160;&#160;&#160;Quantitative and Qualitative Disclosures about Market Risk </span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Interest Rate Sensitivity Analysis </span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our interest rate risk management program seeks to manage and control interest rate risk, thereby reducing our exposure to fluctuations in interest rates and achieving consistent and acceptable levels of profit in any rate environment, and sustainable growth in net interest income over the long term. We evaluate and monitor interest rate risk through two primary methods:</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Earnings at Risk (&#8220;EAR&#8221;), which measures the impact of hypothetical changes in interest rates on net interest income; and</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Economic Value of Equity (&#8220;EVE&#8221;), which measures the sensitivity or change in the economic value of equity to changes in interest rates.</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A number of potential interest rate scenarios are simulated using our asset liability management system. The Bank is the primary source of interest rate risk within the Company. At present, a significant portion of the Bank&#8217;s earning assets and a large balance of deposits are indexed to 1-month LIBOR. Therefore, 1-month LIBOR is considered a core rate in our interest rate risk analysis. Other interest rate changes are correlated to changes in 1-month LIBOR for analytic purposes, with higher or lower correlations based on historical relationships. In addition, key rates are modeled with a floor, which indicates how low each specific rate is likely to move in practice. Rates are adjusted up or down via a set of scenarios that includes both rate shocks and ramps. Rate shocks represent an immediate and sustained change in 1-month LIBOR, with the resulting changes in other indices correlated accordingly. Interest rate ramps represent a linear increase in 1-month LIBOR over the course of 12&#160;months, with the resulting changes in other indices correlated accordingly.</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables summarize the potential effect on earnings over the next 24 months and the potential effect on market values of balance sheet assets and liabilities at December 31, 2021 and 2020, based upon a sensitivity analysis performed by management assuming hypothetical increases in market interest rates of 100&#160;and 300&#160;basis points while credit and funding spreads remain constant. The EVE sensitivity is applied only to financial assets and liabilities, including hedging instruments, that existed at the balance sheet date, and does not reflect any impact of new assets, liabilities, commitments, or hedging instruments that may arise in the future.</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With current interest rates very low, a 100 or 300-basis point downward rate shock does not provide a meaningful indication of interest rate sensitivity, so results for those scenarios have not been presented. At December 31, 2021, the full impact of a 100-basis point downward rate shock cannot be modeled for some instruments on our balance sheet, due to the current low-rate environment. The EAR results for December 31, 2021 indicate a market risk profile of low sensitivity to rate changes, based on static balance sheet assumptions over the next two years. This position has increased from one year ago but is still well within our risk tolerances. The EVE metrics have decreased from one year ago, mainly due to a higher level of fixed-rate liabilities relative to fixed-rate assets.  </span></div><div style="margin-top:10pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.824%"><tr><td style="width:1.0%"></td><td style="width:20.878%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.082%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.339%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.730%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.715%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.508%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.730%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.715%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.141%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.730%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.082%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.240%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.730%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.715%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.423%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.730%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.715%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.141%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.556%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="24" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="24" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr style="height:33pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">+300&#160;Basis<br/>Points</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">+100&#160;Basis<br/>Points</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">-100&#160;Basis<br/>Points</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">+300&#160;Basis<br/>Points</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">+100&#160;Basis<br/>Points</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">-100&#160;Basis<br/>Points</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">EAR - Shock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.3</span></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.9</span></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">-0.6</span></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">-0.0</span></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">EAR - Ramp</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.5</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.2</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">-0.1</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">+0.1</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">EVE</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">-5.9</span></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">-1.9</span></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">-15.8</span></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">-5.3</span></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">103</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the preceding tables, the interest rate sensitivity analysis reflects the balance sheet mix of fully variable LIBOR, SOFR, and Prime-based loans, and fully variable funding, including brokered CDs that have been converted to LIBOR through derivative transactions. The analysis assumes that retail MMDAs and retail savings balances, while relatively sensitive to interest rate changes, will not correlate 100 percent to the full interest rate shocks or ramps. Also considered is the impact of FFELP Loans, which receive floor income in low interest rate environments, and will therefore not reprice fully with interest rate shocks. </span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Although we believe that these measurements provide an estimate of our interest rate sensitivity, they do not account for potential changes in credit quality, balance sheet mix, and size of our balance sheet. They also do not account for other business developments that could affect net income, or for management actions that could affect net income or could be taken to change our risk profile. Accordingly, we can give no assurance that actual results would not differ materially from the estimated outcomes of our simulations. Further, such simulations do not represent our current view of expected future interest rate movements.</span></div><div><span><br/></span></div><div style="margin-top:10pt;text-indent:24.75pt"><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">104   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Asset and Liability Funding Gap </span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below presents our assets and liabilities (funding) arranged by underlying indices as of December&#160;31, 2021. In the following GAAP presentation, the funding gap only includes derivatives that qualify as effective hedges (those derivatives which are reflected in net interest income, as opposed to those reflected in the &#8220;gains (losses) on derivatives and hedging activities, net&#8221; line on the consolidated statements of income). The difference between the asset and the funding is the funding gap for the specified index. This represents at a high level our exposure to interest rate risk in the form of basis risk and repricing risk, which is the risk that the different indices may reset at different frequencies or may not move in the same direction or at the same magnitude. (Note that all fixed-rate assets and liabilities are aggregated into one line item, which does not capture the differences in time due to maturity.)</span></div><div style="margin-top:13.5pt;text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:71.637%"><tr><td style="width:1.0%"></td><td style="width:29.104%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.820%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.961%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.820%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.389%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.820%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.981%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.820%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.985%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021 </span></div><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(dollars in millions)</span></div><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Index</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Frequency&#160;of<br/>Variable<br/>Resets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Funding</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">&#160;(1)</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Funding<br/>Gap</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fed Funds Effective Rate</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">daily/weekly/monthly</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">492.1&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(492.1)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">SOFR Rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">monthly</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,115.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">703.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">411.7&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3-month Treasury bill</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">weekly</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">104.6&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">104.6&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Prime</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">monthly</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3-month LIBOR</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">quarterly</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">251.1&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(251.1)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">monthly</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,750.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,729.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,021.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">daily</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">590.7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">590.7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-Discrete reset</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">daily/weekly</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,582.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,226.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">356.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-Rate</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,052.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,819.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,767.2)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,221.9&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,221.9&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;                </span></div><div style="margin-top:4.5pt;padding-left:114.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Funding (by index) includes all derivatives that qualify as effective hedges.</span></div><div style="margin-top:3pt;padding-left:114.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Assets include restricted and unrestricted cash equivalents and other overnight type instruments. Funding includes liquid retail deposits and the obligation to return cash collateral held related to derivatives exposures. </span></div><div style="margin-top:3pt;padding-left:114.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;Assets include receivables and other assets (including premiums and reserves). Funding includes unswapped time deposits, liquid MMDAs swapped to fixed rates, and stockholders&#8217; equity. </span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The &#8220;Funding Gap&#8221; in the above table shows primarily mismatches in the 1-month LIBOR (monthly), fixed-rate, and Non-Discrete reset categories. Changes in the Fed Funds Effective Rate, 3-month LIBOR, SOFR and 1-month LIBOR daily categories are generally quite highly correlated, and should offset each other effectively. The funding in 3-month LIBOR bucket includes $0.3 billion of equity and the funding in the fixed-rate bucket includes $1.9&#160;billion of equity and $0.4 billion of non-interest bearing liabilities. We consider our overall risk to be low and our strategies are designed to maintain low to moderate levels of market exposure. </span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use interest rate swaps and other derivatives to achieve our risk management objectives. Our asset liability management strategy is to match assets with debt (in combination with derivatives) that have the same underlying index and reset frequency or have interest rate characteristics that we believe are highly correlated. The use of funding with index types and reset frequencies that are different from our assets exposes us to interest rate risk in the form of basis and repricing risk. This could result in our cost of funds not moving in the same direction or with the same magnitude as the yield on our assets. While we believe this risk is low, as all of these indices are short-term with rate movements that are highly correlated over a long period of time, market disruptions (which have occurred in recent years) can lead to a temporary divergence between indices, resulting in a negative impact to our earnings.</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">105</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:10pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Weighted Average Life </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table reflects the weighted average lives of our earning assets and liabilities at December&#160;31, 2021. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:34.941%"><tr><td style="width:1.0%"></td><td style="width:68.774%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.892%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.934%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(averages in years)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average Life</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Earning assets</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Education loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and investments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.06&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total earning assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.75&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Short-term deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.93&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Long-term deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.62&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.30&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.64&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.64&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:153pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">       </span></div><div style="padding-left:184.5pt;padding-right:153pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:184.5pt;padding-right:153pt;text-indent:-13.5pt"><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">106   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_52"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 8. Financial Statements and Supplementary Data </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reference is made to the financial statements listed under the heading &#8220;(a) 1.A. Financial Statements&#8221; of Item 15 hereof, which financial statements are incorporated by reference in response to this Item 8. </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Nothing to report. </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 9A. Controls and Procedures </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Disclosure Controls and Procedures </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our management, with the participation of our principal executive officer and principal financial officer, evaluated the effectiveness of our disclosure controls and procedures (as defined in Rules&#160;13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;)) as of December&#160;31, 2021. Based on this evaluation, our principal executive officer and principal financial officer concluded that, as of December&#160;31, 2021, our disclosure controls and procedures were effective to ensure that information required to be disclosed by us in the reports that we file or submit under the Exchange Act is (i)&#160;recorded, processed, summarized, and reported within the time periods specified in the SEC&#8217;s rules and forms and (ii)&#160;accumulated and communicated to our management, including our principal executive officer and principal financial officer as appropriate, to allow timely decisions regarding required disclosure. </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Management&#8217;s Report on Internal Control over Financial Reporting </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our management is responsible for establishing and maintaining adequate internal control over financial reporting (as defined in Rule 13a-15(f) under the Exchange Act). Under the supervision and with the participation of our management, including our principal executive officer and principal financial officer, we assessed the effectiveness of our internal control over financial reporting as of December&#160;31, 2021. In making this assessment, our management used the criteria established in Internal Control &#8212; Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission. Based on our assessment and those criteria, management concluded that, as of December&#160;31, 2021, our internal control over financial reporting is effective. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">KPMG LLP, an independent registered public accounting firm, audited the effectiveness of the Company&#8217;s internal control over financial reporting as of December&#160;31, 2021, as stated in their report listed under the heading &#8220;(a) 1.A. Financial Statements&#8221; of Item 15 hereof. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate. </span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Changes in Internal Control over Financial Reporting </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There have been no changes in our internal control over financial reporting (as defined in Rules&#160;13a-15(f) and 15d-15(f) under the Exchange Act) during the fiscal quarter ended December&#160;31, 2021 that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div id="i35472170320a48e7aebfc3743129a2e0_55"></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 9B. Other Information</span></div><div style="margin-bottom:5pt;margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Nothing to report.</span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">107</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_58"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PART III. </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 10. Directors, Executive Officers and Corporate Governance </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The information contained in the 2022 Proxy Statement, including information appearing in the sections titled &#8220;Proposal 1 &#8212; Election of Directors,&#8221; &#8220;Executive Officers,&#8221; &#8220;Compensation Discussion and Analysis &#8212; Other Arrangements, Policies and Practices Related to Executive Compensation Programs &#8212; Section 16(a) Beneficial Ownership Reporting Compliance,&#8221; and &#8220;Corporate Governance&#8221; in the 2022 Proxy Statement, is incorporated herein by reference. </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 11. Executive Compensation </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The information contained in the 2022 Proxy Statement, including information appearing in the sections titled &#8220;Executive Compensation&#8221; and &#8220;Director Compensation&#8221; in the 2022 Proxy Statement, is incorporated herein by reference. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The information contained in the 2022 Proxy Statement, including information appearing in the sections titled &#8220;Equity Compensation Plan Information,&#8221; &#8220;Ownership of Common Stock by 5 Percent or More Holders,&#8221; and &#8220;Ownership of Common Stock by Directors and Executive Officers&#8221; in the 2022 Proxy Statement, is incorporated herein by reference. </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 13. Certain Relationships and Related Transactions, and Director Independence </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The information contained in the 2022 Proxy Statement, including information appearing under &#8220;Corporate Governance &#8212; Related Party Transactions&#8221; and &#8220;Corporate Governance &#8212; Director Independence&#8221; in the 2022 Proxy Statement, is incorporated herein by reference. </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 14. Principal Accounting Fees and Services </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The information contained in the 2022 Proxy Statement, including information appearing under &#8220;Independent Registered Public Accounting Firm&#8221; in the 2022 Proxy Statement, is incorporated herein by reference. </span></div><div><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">108   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_61"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div style="-sec-extract:summary"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="-sec-extract:summary"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PART IV. </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 15. Exhibits, Financial Statement Schedules </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(a) 1. Financial Statements </span></div><div style="margin-bottom:5pt;margin-top:5pt;padding-left:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A. The following consolidated financial statements of SLM Corporation and the Report of the Independent Registered Public Accounting Firm thereon are included in Item 8 above: </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:91.005%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.700%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.895%"></td><td style="width:0.1%"></td></tr><tr style="height:39pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_70">Report of Independent Registered Public Accounting Firm</a></span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_70">2</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_73">Report of Independent Registered Public Accounting Firm</a></span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_73">5</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_76">Consolidated Balance Sheets as of December&#160;31, 2021 and 2020</a></span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_76">7</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_79">Consolidated Statements of Income for the years ended December&#160;31, 2021, 2020</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_79">,</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_79"> and 2019</a></span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_79">8</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_82">Consolidated Statements of Comprehensive Income for the years ended December&#160;31, 202</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_82">1</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_82">, 20</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_82">20</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_82">,</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_82"> and 20</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_82">19</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_82"> </a></span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_82">9</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_85">Consolidated Statements of Changes in Equity for the years ended December&#160;31, 202</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_85">1</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_85">, 20</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_85">20</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_85">,</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_85"> and 201</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_85">9</a></span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_85">10</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_88">Consolidated Statements of Cash Flows for the years ended December&#160;31, 2021, 2020</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_88">,</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_88"> and 2019</a></span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_88">13</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_94">Notes to Consolidated Financial Statements</a></span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_94">15</a></span></div></td></tr></table></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">2. Financial Statement Schedules</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="margin-bottom:5pt;margin-top:5pt;padding-left:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All schedules are omitted because they are not applicable or the required information is shown in the consolidated financial statements or notes thereto. </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">3. Exhibits</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="margin-bottom:5pt;margin-top:5pt;padding-left:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The exhibits listed in the accompanying index to exhibits are filed or incorporated by reference as part of this Annual Report on Form 10-K. </span></div><div style="margin-bottom:5pt;margin-top:5pt;padding-left:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We will furnish at cost a copy of any exhibit filed with or incorporated by reference into this Annual Report on Form 10-K. Oral or written requests for copies of any exhibits should be directed to the Corporate Secretary. </span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">109</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div style="-sec-extract:summary"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(b)&#160;&#160;Exhibits</span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:7.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:90.275%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;2.2</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312514180442/d719399dex22.htm">Form of Separation and Distribution Agreement by and among SLM Corporation, New BLC Corporation and Navient Corporation, dated as of April&#160;28, 2014 (incorporated by reference to Exhibit 2.2 of the Company&#8217;s Current Report on Form 8-K filed on May 2, 2014).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;3.1</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828015001094/exhibit31.htm">Restated Certificate of Incorporation of the Company, dated February 25, 2015 (incorporated by reference to Exhibit 3.1 to the Company&#8217;s Annual Report on Form 10-K filed on February 26, 2015).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;3.2(i)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312515239448/d947606dex32.htm">Amended and Restated By-Laws of the Company effective June 25, 2015 (incorporated by reference to Exhibit 3.2 of the Company&#8217;s Current Report on Form 8-K filed on June 29, 2015).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;3.2(ii)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/0001032033/000162828021024058/slm-20211118.htm">Amended and Restated Bylaws of SLM Corporation, effective November 18, 2021 (incorporated by reference to Exhibit 3.2 of the Company&#8217;s Current Report on Form 8-K filed on November 23, 2021).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;4.1</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312515225950/d945189dex43.htm">Indenture, dated as of June 17, 2015, between SLM Corporation and Deutsche Bank National Trust Company, as Trustee (incorporated by reference to Exhibit 4.3 of the Company&#8217;s Registration Statement on Form S-3 filed on June 17, 2015).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;4.2</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312517110648/d316999dex41.htm">First Supplemental Indenture dated as of April 5, 2017 between SLM Corporation and Deutsche Bank National Trust Company, as Trustee (incorporated by reference to Exhibit 4.1 of the Company&#8217;s Current Report on Form 8-K filed on April 5, 2017).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;4.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312520280571/d89463dex41.htm">Second Supplemental Indenture dated as of October 29, 2020 between SLM Corporation and Deutsche Bank National Trust Company, as Trustee (incorporated by reference to Exhibit 4.1 of the Company&#8217;s Current Report on Form 8-K filed on October 29, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;4.4</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312520280571/d89463dex42.htm">Form of Senior Note due 2025 (incorporated by reference to Exhibit 4.2 of the Company&#8217;s Current Report on Form 8-K filed on October 29, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;4.5</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020002579/slmex4312312019.htm">Description of SLM Corporation&#8217;s Common Stock (incorporated by reference to Exhibit 4.3 to the Company&#8217;s Annual Report on Form 10-K filed on February 28, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;4.6</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020002579/slmex4412312019.htm">Description of SLM Corporation&#8217;s Floating-Rate Non-Cumulative Preferred Stock, Series B (incorporated by reference to Exhibit 4.4 to the Com</a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020002579/slmex4412312019.htm">pany&#8217;s Annual Report on Form 10-K filed on February 28, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;4.7</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/0001032033/000119312521315421/d256580dex41.htm">Third Supplemental Indenture dated as of November 1, 2021 between SLM Corporation and Deutsche Bank National Trust Company, as trustee</a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/0001032033/000119312521315421/d256580dex41.htm"> (incorporated by reference to Exhibit </a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/0001032033/000119312521315421/d256580dex41.htm">4.1 of the Company&#8217;s Current Report on Form 8-K filed on November 1, 2021).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;4.8</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/0001032033/000119312521315421/d256580dex42.htm">Form of Senior Note due 2026 (incorporated by reference to Exhibit 4.2 of the Company&#8217;s Current Report on Form 8-K filed on November 1, 2021).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.1&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828015002863/slm20150331ex101.htm">Form of SLM Corporation Omnibus Incentive Plan, Bonus Restricted Stock Unit Term Sheet (one-year restriction), 2014 Management Incentive Plan Award (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 22, 2015).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.2&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828015002863/slm20150331ex102.htm">Form of SLM Corporation Omnibus Incentive Plan, Bonus Restricted Stock Unit Term Sheet (two-year restriction), 2014 Management Incentive Plan Award (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 22, 2015).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.3&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828015002863/slm20150331ex103.htm">Form of SLM Corporation Omnibus Incentive Plan, Bonus Restricted Stock Unit Term Sheet (three-year restriction), 2014 Management Incentive Plan Award (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 22, 2015).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.4&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828016014495/slm20160331ex101.htm">Form of SLM Corporation Omnibus Incentive Plan, Bonus Restricted Stock Unit Term Sheet (one-year restriction), 2015 Management Incentive Plan Award (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 20, 2016).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.5&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828016014495/slm20160331ex102.htm">Form of SLM Corporation Omnibus Incentive Plan, Bonus Restricted Stock Unit Term Sheet (two-year restriction), 2015 Management Incentive Plan Award (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 20, 2016).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.6&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828016014495/slm20160331ex103.htm">Form of SLM Corporation Omnibus Incentive Plan, Bonus Restricted Stock Unit Term Sheet (three-year restriction), 2015 Management Incentive Plan Award (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 20, 2016).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.7&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828015002863/slm20150331ex104.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Restricted Stock Unit Term Sheet - 2015 (incorporated by reference to Exhibit 10.4 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 22, 2015).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.8&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828016014495/slm20160331ex104.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Restricted Stock Unit Term Sheet - 2016 (incorporated by reference to Exhibit 10.4 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 20, 2016).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">110   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div style="-sec-extract:summary"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:7.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:90.275%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.9&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828016014495/slm20160331ex105.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Performance Stock Unit Term Sheet - 2016 (incorporated by reference to Exhibit 10.5 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 20, 2016).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.10&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828015005370/slm20150630ex101.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Independent Director Restricted Stock Agreement 2015 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 22, 2015).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.11&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828016017673/slm20160630ex101.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Independent Director Restricted Stock Agreement - 2016 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 20, 2016).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.12&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828016011844/ex106_12312015.htm">SLM Corporation Executive Severance Plan for Senior Officers, including amendments as of June 25, 2015 (incorporated by reference to Exhibit 10.6 of the Company&#8217;s Annual Report on Form 10-K filed on February 26, 2016).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.13&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828016011844/ex107_12312015.htm">SLM Corporation Change in Control Severance Plan for Senior Officers, including amendments as of June 25, 2015 (incorporated by reference to Exhibit 10.7 of the Company&#8217;s Annual Report on Form 10-K filed on February 26, 2016).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.14&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312512081658/d255703dex1024.htm">Form of Director&#8217;s Indemnification Agreement (incorporated by reference to Exhibit 10.24 of the Company&#8217;s Annual Report on Form 10-K filed on February 27, 2012).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.15&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828016011844/ex109_12312015.htm">Sallie Mae Supplemental 401(k) Savings Plan, as Amended and Restated as of June 25, 2015 (incorporated by reference to Exhibit 10.9 of the Company&#8217;s Annual Report on Form 10-K filed on February 26, 2016).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.16&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828019004378/slm20190331ex105.htm">Amendment to Sallie Mae Supplemental 401(k) Savings Plan (Effective as of March 5, 2019) (incorporated by reference to Exhibit 10.5 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 17, 2019).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.17&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828016011844/ex1010_12312015.htm">SLM Deferred Compensation Plan for Key Employees, as Established Effective May 1, 2014 and Amended June 25, 2015 (incorporated by reference to Exhibit 10.10 of the Company&#8217;s Annual Report on Form 10-K filed on February 26, 2016).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.18&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828019004378/slm20190331ex106.htm">Amendment to SLM Corporation Deferred Compensation Plan for Key Employees (Effective as of March 5, 2019) (incorporated by reference to Exhibit 10.6 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 17, 2019).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.19&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828016011844/ex1011_12312015.htm">SLM Corporation Deferred Compensation Plan for Directors, as Established Effective May 1, 2014 and Amended June 25, 2015 (incorporated by reference to Exhibit 10.11 of the Company&#8217;s Annual Report on Form 10-K filed on February 26, 2016).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.20&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000110465905025415/a05-9992_1ex10d24.htm">Amended and Restated SLM Corporation Incentive Plan (incorporated by reference to Exhibit 10.24 of the Company&#8217;s Current Report on Form 8-K (file no. 001-13251) filed on May 25, 2005).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.21&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000110465905025415/a05-9992_1ex10d25.htm">Director&#8217;s Stock Plan (incorporated by reference to Exhibit 10.25 of the Company&#8217;s Current Report on Form 8-K (file no. 001-13251) filed on May 25, 2005).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.22&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000095013309000540/w72868exv10w32.htm">Form of SLM Corporation Incentive Stock Plan Stock Option Agreement, Net-Settled, Performance Vested Options, 2009 (incorporated by reference to Exhibit 10.32 of the Company&#8217;s Annual Report on Form 10-K filed on March 2, 2009).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.23&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312509117545/dex101.htm">SLM Corporation Directors Equity Plan (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Registration Statement on Form S-8 (File No. 333-159447) filed on May 22, 2009).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.24&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312509117545/dex102.htm">SLM Corporation 2009-2012 Incentive Plan (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Registration Statement on Form S-8 (File No. 333-159447) filed on May 22, 2009).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.25&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000095012309057759/w75888exv10w6.htm">Form of SLM Corporation Directors Equity Plan Non-Employee Director Stock Option Agreement - 2009 (incorporated by reference to Exhibit 10.6 of the Company&#8217;s Quarterly Report on Form&#160;10-Q filed on November 5, 2009).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.26&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000095012310045634/w78261exv10w7.htm">Form of SLM Corporation 2009-2012 Incentive Plan Stock Option Agreement, Net Settled, Time Vested Options - 2010 (incorporated by reference to Exhibit 10. 7 of the Company&#8217;s Quarterly Report on Form 10-Q filed on May 6, 2010).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.27&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000095012310045634/w78261exv10w8.htm">Form of SLM Corporation 2009-2012 Incentive Plan Performance Stock Award Term Sheet, Time Vested - 2010 (incorporated by reference to Exhibit 10.8 of the Company&#8217;s Quarterly Report on Form 10-Q filed on May 6, 2010).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.28&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000095012311019779/w80795exv10w49.htm">Amendment to Stock Option and Restricted/Performance Stock Terms (incorporated by reference to Exhibit 10.49 of the Company&#8217;s Annual Report on Form 10-K filed on February 28, 2011).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.29&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000095012311019779/w80795exv10w50.htm">Form of SLM Corporation 2009-2012 Incentive Plan Stock Option Agreement, Net Settled, Time Vested Options - 2011 (incorporated by reference to Exhibit 10.50 of the Company&#8217;s Annual Report on Form 10-K filed on February 28, 2011).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">111</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div style="-sec-extract:summary"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:7.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:90.275%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.30&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000095012311019779/w80795exv10w51.htm">Form of SLM Corporation 2009-2012 Incentive Plan Restricted Stock and Restricted Stock Unit Term Sheet, Time Vested - 2011 (incorporated by reference to Exhibit 10.51 of the Company&#8217;s Annual Report on Form 10-K filed on February 28, 2011).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.31&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312512212026/d313786dex101.htm">Form of SLM Corporation 2009-2012 Incentive Plan, Performance Stock Unit Term Sheet - 2012 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on May 4, 2012).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.32&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312512212026/d313786dex102.htm">Form of SLM Corporation 2009-2012 Incentive Plan, Bonus Restricted Stock Unit Term Sheet - 2012 (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Quarterly Report on Form 10-Q filed on May 4, 2012).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.33&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312512212026/d313786dex103.htm">Form of SLM Corporation 2009-2012 Incentive Plan, Stock Option Agreement, Net Settled Options - 2012 (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q filed on May 4, 2012).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.34&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312517143149/d326321ddef14a.htm#tx326321_57">SLM Corporation 2012 Omnibus Incentive Plan (incorporated by reference to Appendix A of the Company&#8217;s Definitive Proxy Statement for the 2017 Annual Meeting of Shareholders filed on April 27, 2017).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.35&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312513199177/d497327dex101.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Performance Stock Unit Term Sheet - 2013 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on May 3, 2013).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.36&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312513199177/d497327dex102.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Bonus Restricted Stock Unit Term Sheet - 2013 (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Quarterly Report on Form 10-Q filed on May 3, 2013).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.37&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312513199177/d497327dex103.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Stock Option Agreement, Net Settled Options-2013 (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q filed on May 3, 2013).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.38&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312513199177/d497327dex104.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Independent Director Restricted Stock Agreement - 2013 (incorporated by reference to Exhibit 10.4 of the Company&#8217;s Quarterly Report on Form 10-Q filed on May 3, 2013).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.39&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312513199177/d497327dex105.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Independent Director Stock Option Agreement - 2013 (incorporated by reference to Exhibit 10.5 of the Company&#8217;s Quarterly Report on Form 10-Q filed on May 3, 2013).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.40&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312514058942/d638950dex1036.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Restricted Stock Unit Term Sheet - 2013 (incorporated by reference to Exhibit 10.36 of the Company&#8217;s Annual Report on Form 10-K filed on February 19, 2014).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.41&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312514058942/d638950dex1038.htm">Letter Agreement, dated January 15, 2014 with Raymond J. Quinlan (incorporated by reference to Exhibit 10.38 of the Company&#8217;s Annual Report on Form 10-K filed on February 19, 2014).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.42&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312514058942/d638950dex1039.htm">SLM Corporation 2012 Omnibus Incentive Plan, Restricted Stock Unit Term Sheet - Raymond&#160;J.&#160;Quinlan Signing Award  (incorporated by reference to Exhibit 10.39 of the Company&#8217;s Annual Report  on Form 10-K filed on February 19, 2014).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.43&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312514195006/d694924dex103.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Bonus Restricted Stock Unit Term Sheet - 2014 (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q filed on May 12, 2014).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.44&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312514195006/d694924dex104.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Restricted Stock Unit Term Sheet - 2014 (incorporated by reference to Exhibit 10.4 of the Company&#8217;s Quarterly Report on Form 10-Q filed on May 12, 2014).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.45&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000144530514002855/exhibit101.htm">Employment Agreement, dated April 21, 2014 between Laurent C. Lutz and the Company (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 24, 2014).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.46&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828016011844/ex1039_12312015.htm">Sallie Mae Employee Stock Purchase Plan, Amended and Restated as of June 24, 2014, Including Amendments as of June 25, 2015 (incorporated by reference to Exhibit 10.39 of the Company&#8217;s Annual Report on Form 10-K filed on February 26, 2016).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.47&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000144530514002855/exhibit103.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Independent Director Restricted Stock Agreement (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 24, 2014).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.48&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828015001094/exhibit1041.htm">Letter Agreement, dated April 24, 2014, with Jeffrey Dale (incorporated by reference to Exhibit 10.41 to the Company&#8217;s Annual Report on Form 10-K filed on February 26, 2015).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.49&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828015001094/ex1044.htm">Sallie Mae 401(k) Savings Plan (Effective as of April 30, 2014) (incorporated by reference to Exhibit 10.44 to the Company&#8217;s Annual Report on Form 10-K filed on February 26, 2015).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.50&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020002579/slmex105012312019.htm">Restatement of the Sallie Mae 401(k) Savings Plan (Effective as of January 1, 2018) (incorporated by reference to Exhibit 10.50 of the Company&#8217;s Annual Report on Form 10-K filed on February 28, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.51&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020002579/slmex105112312019.htm">Amendment to Sallie Mae 401(k) Savings Plan (Effective as of January 1, 2019) (incorporated by reference to Exhibit 10.51 of the Company&#8217;s Annual Report on Form 10-K filed on February 28, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">112   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div style="-sec-extract:summary"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:7.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:90.275%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.52&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828019004378/slm20190331ex104.htm">Amendment to Sallie Mae 401(k) Savings Plan (Effective as of March 5, 2019) (incorporated by reference to Exhibit 10.4 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 17, 2019).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.53</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312514180442/d719399dex103.htm">Tax Sharing Agreement between Navient Corporation and New BLC Corporation, dated as of April 29, 2014 (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Current Report on Form 8-K filed on May 2, 2014).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.54</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000119312514180442/d719399dex104.htm">Amended and Restated Loan Servicing and Administration Agreement between Sallie Mae Bank and Navient Solutions, Inc., dated as of April 30, 2014 (incorporated by reference to Exhibit 10.4 of the Company&#8217;s Current Report on Form 8-K filed on May 2, 2014).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.55&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828017003920/slm20170331ex101.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Bonus Restricted Stock Unit Term Sheet (Three-Year Restriction), 2016 Management Incentive Plan Award (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 19, 2017).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.56&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828017003920/slm20170331ex102.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, 2017 Restricted Stock Unit Term Sheet (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 19, 2017).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.57&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828017003920/slm20170331ex103.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, 2017 Performance Stock Unit Term Sheet (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 19, 2017).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.58&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828017007135/slm20170630ex101.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, 2017 Independent Director Restricted Stock Agreement (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 19, 2017).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.59&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828018004888/slm20180331ex101.htm">Agreement and Release, dated as of March 20, 2018, between the Company and the Personal Representatives of the Estate of Charles P. Rocha (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 23, 2018).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.60&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828018004888/slm20180331ex102.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, 2018 Restricted Stock Unit Term Sheet (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 23, 2018).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.61&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828018004888/slm20180331ex103.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, 2018 Performance Stock Unit Term Sheet (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 23, 2018).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.62&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828018004888/slm20180331ex104.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, 2018 Bonus Restricted Stock Unit Term Sheet (Three-Year Restriction), 2017 Management Incentive Plan Award (incorporated by reference to Exhibit 10.4 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 23, 2018).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.63&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828018009560/slm20180630ex101.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Independent Director Restricted Stock Agreement - 2018 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 24, 2018).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.64&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828019004378/slm20190331ex101.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, 2019 Restricted Stock Unit Term Sheet (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 17, 2019).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.65&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828019004378/slm20190331ex102.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, 2019 Performance Stock Unit Term Sheet (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 17, 2019).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.66&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828019004378/slm20190331ex103.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Bonus Restricted Stock Unit Term Sheet (Three-Year Restriction), 2018 Management Incentive Plan Award (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 17, 2019).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.67&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828019008968/slm20190630ex101.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Independent Director Restricted Stock Agreement - 2019 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 24, 2019).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.68&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020005290/slm20200331ex101.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, 2020 Restricted Stock Unit Term Sheet (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 22, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.69&#8224; </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020005290/slm20200331ex102.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, 2020 Performance Stock Unit Term Sheet (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 22, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.70&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020005290/slm20200331ex103.htm">Offer Letter between Jonathan W. Witter and the Company dated March 4, 2020 (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 22, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.71</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020005290/slm20200331ex104.htm">Fixed Dollar Uncollared ASR Master Confirmation and Form of Supplement (incorporated by reference to Exhibit 10.4 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 22, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.72&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020010548/slm20200630ex101.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Independent Director Restricted Stock Agreement &#8211; 2020 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 22, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.73&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020010548/slm20200630ex102.htm">Separation Agreement between Raymond J. Quinlan and the Company effective April 19, 2020 (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 22, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">113</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div style="-sec-extract:summary"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:7.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:90.275%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.74&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020010548/slm20200630ex103.htm">Jonathan W. Witter Sign-On Equity Grant - 2020 Restricted Stock Unit Term Sheet (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 22, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.75&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020010548/slm20200630ex104.htm">Offer Letter between Donna F. Vieira and the Company dated September 18, 2018 (incorporated by reference to Exhibit 10.4 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 22, 2020).</a></span></div></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.76&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/1032033/000162828020014656/slm20200930ex101.htm">Separation Agreement between Paul Thome and the Company effective August 10, 2020 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on October 21, 2020).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.77&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/0001032033/000162828021007286/slm20210331ex101.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, 2021 Restricted Stock Unit Term Sheet (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 21, 2021).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.78&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/0001032033/000162828021007286/slm20210331ex102.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, 2021 Performance Stock Unit Term Sheet (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 21, 2021).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.79&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/0001032033/000162828021007286/slm20210331ex103.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, 2021 Stock Option Award Agreement (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 21, 2021).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.80&#8224;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="background-color:#ffffff;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline"><a style="-sec-extract:exhibit;background-color:#ffffff;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/0001032033/000162828021014164/slm20210630ex101.htm">Form of SLM Corporation 2012 Omnibus Incentive Plan, Independent Director Restricted Stock Agreement - 2021</a></span><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/0001032033/000162828021014164/slm20210630ex101.htm"> (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 21, 2021).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;10.81&#8224;</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/0001032033/000162828021011886/slm06092021ex991.htm">SLM Corporation 2021 Omnibus Incentive Plan (incorporated herein by reference to Exhibit 99.1 of the Company&#8217;s Registration Statement on Form S-8 filed </a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:underline" href="http://www.sec.gov/Archives/edgar/data/0001032033/000162828021011886/slm06092021ex991.htm">on June 9, 2021).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;21.1*</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="slmex21112312021.htm">List of Subsidiaries.</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;23.1*</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="slmex23112312021.htm">Consent of KPMG LLP.</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;31.1*</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="slmex31112312021.htm">Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;31.2*</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="slmex31212312021.htm">Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;32.1*</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="slmex32112312021.htm">Certification Pursuant to 18&#160;U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;32.2*</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="slmex32212312021.htm">Certification Pursuant to 18&#160;U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">101.INS</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XBRL Instance Document - the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document.</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">101.SCH</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XBRL Taxonomy Extension Schema Document.</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">101.CAL</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XBRL Taxonomy Extension Calculation Linkbase Document.</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">101.DEF</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XBRL Taxonomy Extension Definition Linkbase Document.</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">101.LAB</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XBRL Taxonomy Extension Label Linkbase Document.</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">101.PRE</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XBRL Taxonomy Extension Presentation Linkbase Document.</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">104</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101).</span></td></tr></table></div><div style="padding-left:11.25pt;text-indent:-11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">&#8224;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Management Contract or Compensatory Plan or Arrangement </span></div><div style="margin-top:3pt;padding-left:11.25pt;text-indent:-11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">*</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Filed herewith </span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:120%">&#160;</span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">114   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_64"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SIGNATURES</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the requirements of Section&#160;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. </span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Dated: February&#160;24, 2022</span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt 2px 259.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">SLM CORPORATION</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">By:</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">/</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">S</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">/ JONATHAN W. WITTER</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Jonathan W. Witter</span></div><div style="margin-bottom:0.75pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Chief Executive Officer and Director</span></div></td></tr></table></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the requirement of the Securities Exchange Act of 1934, as amended, this report has been signed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated. </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.234%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ JONATHAN W. WITTER</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Jonathan W. Witter</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;Chief Executive Officer and Director<br/>&#160;(Principal Executive Officer)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ STEVEN J. MCGARRY</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Steven J. McGarry</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Executive Vice President and Chief Financial Officer<br/>&#160;(Principal Financial Officer)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ JONATHAN R. BOYLES</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Jonathan R. Boyles</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Senior Vice President and Controller <br/>(Principal Accounting Officer)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ MARY CARTER WARREN FRANKE</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mary Carter Warren Franke</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Chair of the Board of Directors</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ PAUL G. CHILD</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Paul G. Child</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ MARIANNE M. KELER</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Marianne M. Keler</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ MARK L. LAVELLE</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mark L. Lavelle</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ TED MANVITZ</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ted Manvitz</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ JIM MATHESON</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Jim Matheson</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     </span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">115</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div style="margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.234%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ FRANK C. PULEO</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Frank C. Puleo</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ SAMUEL T. RAMSEY</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Samuel T. Ramsey</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ VIVIAN C. SCHNECK-LAST</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Vivian C. Schneck-Last</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ ROBERT S. STRONG</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Robert S. Strong</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/S/ KIRSTEN O. WOLBERG</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Kirsten O. Wolberg</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Director</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 24, 2022</span></td></tr></table></div><div><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">116   </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">  </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_67"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CONSOLIDATED FINANCIAL STATEMENTS</span></div><div style="margin-top:6pt;text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">INDEX</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.245%"><tr><td style="width:1.0%"></td><td style="width:92.501%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.299%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Page</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_70">Report of Independent Registered Public Accounting Firm</a></span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_70">2</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_73">Report of Independent Registered Public Accounting Firm</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_73">5</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_76">Consolidated Balance Sheets</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_76">7</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_79">Consolidated Statements of Income</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_79">8</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_82">Consolidated Statements of Comprehensive Income</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_82">9</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_85">Consolidated Statements of Changes in Equity</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_85">10</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_88">Consolidated Statements of Cash Flows</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_88">13</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_94">Notes to Consolidated Financial Statements</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_94">15</a></span></div></td></tr></table></div><div><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-1</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_70"></div><hr style="page-break-after:always"/><div style="min-height:52.2pt;width:100%"><div style="margin-top:6pt;padding-left:31.5pt"><span><br/></span></div><div style="margin-top:6pt;padding-left:31.5pt"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="margin-bottom:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Report of Independent Registered Public Accounting Firm</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To the Stockholders and Board of Directors<br/>SLM Corporation:</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Opinion on the Consolidated Financial Statements</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have audited the accompanying consolidated balance sheets of SLM Corporation and subsidiaries (the Company) as of December 31, 2021 and December 31, 2020, the related consolidated statements of income, comprehensive income, changes in equity, and cash flows for each of the years in the three-year period ended December 31, 2021, and the related notes (collectively, the consolidated financial statements). In our opinion, the consolidated financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2021 and December 31, 2020, and the results of its operations and its cash flows for each of the years in the three-year period ended December 31, 2021, in conformity with U.S. generally accepted accounting principles.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the Company&#8217;s internal control over financial reporting as of December 31, 2021, based on criteria established in </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Internal Control &#8211; Integrated Framework (2013)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> issued by the Committee of Sponsoring Organizations of the Treadway Commission, and our report dated February 24, 2022 expressed an unqualified opinion on the effectiveness of the Company&#8217;s internal control over financial reporting.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Change in Accounting Principle</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As discussed in Note 2 to the consolidated financial statements, the Company has changed its method of accounting for the recognition and measurement of credit losses as of January 1, 2020 due to the adoption of ASC Topic 326, </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Financial Instruments - Credit Losses</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Basis for Opinion</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These consolidated financial statements are the responsibility of the Company&#8217;s management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the consolidated financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the consolidated financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the consolidated financial statements. We believe that our audits provide a reasonable basis for our opinion.</span></div><div><span><br/></span></div><div style="height:52.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-2  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:52.2pt;width:100%"><div style="margin-top:6pt;padding-left:31.5pt"><span><br/></span></div><div style="margin-top:6pt;padding-left:31.5pt"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Critical Audit Matter</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The critical audit matter communicated below is a matter arising from the current period audit of the consolidated financial statements that was communicated or required to be communicated to the audit committee and that: (1) relates to accounts or disclosures that are material to the consolidated financial statements and (2) involved our especially challenging, subjective, or complex judgments. The communication of a critical audit matter does not alter in any way our opinion on the consolidated financial statements, taken as a whole, and we are not, by communicating the critical audit matter below, providing a separate opinion on the critical audit matter or on the accounts or disclosures to which it relates.</span></div><div><span><br/></span></div><div style="padding-left:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Assessment of the Allowance for Credit Losses related to Private Education Loans Evaluated on a Collective Basis</span></div><div style="margin-top:6pt;padding-left:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As discussed in Notes 2 and 7 to the consolidated financial statements, the Company&#8217;s total allowance for credit losses as of December 31, 2021 was $1,165 million, of which $1,159 million related to the Company&#8217;s allowance for credit losses on private education loans evaluated on a collective basis (the December 31, 2021 ACL). For all loans carried at amortized cost, upon loan origination, the Company is required to measure the allowance for credit losses based on the estimate of all current expected credit losses over the remaining contractual term of the loans. In determining the lifetime expected credit losses on the private education loan portfolio, the Company uses a discounted cash flow model and a prepayment model. This method requires the Company to project future principal and interest cash flows on the loans in this portfolio. The Company estimated the future expected cash flows following a vintage-based model that considers life of loan loss expectations, prepayments (both voluntary and involuntary), defaults, recoveries, and any other adjustments deemed necessary, to determine the adequacy of the allowance for credit losses. In determining the loss rates used for the vintage-based approach, the Company starts with historical loss rates, stratifies the loans within each vintage, and then adjusts the loss rates based upon exogenous factors over a reasonable and supportable forecast period. At the end of the reasonable and supportable forecast period, the forecast is immediately reverted to historical averages. The cash flows are then discounted at the loan&#8217;s effective interest rate to calculate the present value of those cash flows. In estimating current expected credit losses, the Company uses a combination of expected economic scenarios, which are weighted based upon the current economic conditions and the Company&#8217;s view of the risks of alternate outcomes. In addition to this modeling approach, the Company also takes certain qualitative factors, including but not limited to, changes in lending policies and procedures, including changes in underwriting standards and collections, charge-off and recovery practices not already included in the analysis, and the effect of other external factors such as legal and regulatory requirements on the level of estimated current expected credit losses into consideration when calculating the December 31, 2021 ACL. </span></div><div style="margin-top:6pt;padding-left:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We identified the assessment of the December 31, 2021 ACL as a critical audit matter. A high degree of audit effort, including specialized skills and knowledge, and subjective and complex auditor judgment was involved in the assessment due to significant measurement uncertainty. Specifically, the assessment of the ACL methodology encompassed the evaluation of the development and mathematical accuracy of the discounted cash flow model and prepayment model and the models&#8217; significant factors and assumptions, including (1) the economic scenarios, (2) probabilities assigned to each economic scenario weighting, (3) the reasonable and supportable forecast periods, (4) the immediate reversion assumption after the reasonable and supportable forecast period, (5) prepayment rates derived from the prepayment model, and (6) the qualitative factors. The assessment also included an evaluation of the conceptual soundness and performance of the discounted cash flow model. In addition, auditor judgement was required to evaluate the sufficiency of audit evidence obtained. </span></div><div style="margin-top:6pt;padding-left:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following are the primary procedures we performed to address the critical audit matter. We evaluated the design and tested the operating effectiveness of certain internal controls related to the Company&#8217;s measurement of the ACL estimates, including controls over the: </span></div><div style="padding-left:22.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">development of the ACL methodology</span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">the prepayment model</span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">the discounted cash flow model</span></div><div style="text-indent:18pt"><span><br/></span></div><div style="height:52.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-3</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:52.2pt;width:100%"><div style="margin-top:6pt;padding-left:31.5pt"><span><br/></span></div><div style="margin-top:6pt;padding-left:31.5pt"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">performance monitoring of the discounted cash flow and prepayment models for the December 31, 2021 ACL</span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">determination and measurement of the significant assumptions used in the models</span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">development of the qualitative factors</span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">calculation of the ACL estimate</span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">analysis of the ACL results, trends, and ratios.</span></div><div style="padding-left:22.5pt"><span><br/></span></div><div style="padding-left:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We evaluated the Company&#8217;s process to develop the ACL estimates by testing certain sources of data, factors, and assumptions that the Company used, and considered the relevance and reliability of such data, factors, and assumptions. In addition, we involved credit risk professionals with specialized skills and knowledge, who assisted in: </span></div><div style="padding-right:22.5pt;text-indent:18pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">evaluating the Company&#8217;s ACL methodology for compliance with U.S. generally accepted accounting principles</span></div><div style="padding-left:36pt;text-indent:-18pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">evaluating judgments made by the Company relative to the development and performance testing of the discounted cash flow and prepayment models by comparing them to the relevant Company-specific metrics and trends</span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">assessing the conceptual soundness and performance testing of the discounted cash flow and prepayment models by inspecting the model documentation to determine whether the models are suitable for their intended use</span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">evaluating the selection of the economic forecasted scenarios and underlying assumptions by comparing them to the Company&#8217;s business environment and relevant industry practices</span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">assessing the economic scenarios through comparison to publicly available forecasts and the probabilities assigned to each weighting</span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">testing the reasonable and supportable forecast periods to evaluate the length of each period by comparing to specific portfolio risk characteristics and trends</span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">evaluating the methodology used to develop the qualitative factors and the effect of those factors on the ACL compared with relevant credit risk factors and consistency with credit trends and identified limitations of the underlying quantitative discounted cash flow model</span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10pt">testing the mathematical accuracy of certain computations of the estimate.</span></div><div style="padding-right:22.5pt;text-indent:18pt"><span><br/></span></div><div style="padding-left:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also assessed the sufficiency of the audit evidence obtained related to the December 31, 2021 ACL by evaluating the cumulative results of the audit procedures and potential bias in the accounting estimates.</span></div><div style="margin-top:6pt;padding-left:18pt;padding-right:18pt;text-align:center;text-indent:31.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">/s/ KPMG LLP</span></div><div style="margin-top:6pt;text-indent:31.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have served as the Company&#8217;s auditor since 2013.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">McLean, Virginia</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">February 24, 2022</span></div><div style="padding-left:36pt"><span><br/></span></div><div><span><br/></span></div><div style="height:52.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-4  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_73"></div><hr style="page-break-after:always"/><div style="min-height:52.2pt;width:100%"><div style="margin-top:6pt;padding-left:31.5pt"><span><br/></span></div><div style="margin-top:6pt;padding-left:31.5pt"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="margin-top:63pt"><span><br/></span></div><div style="margin-bottom:20pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Report of Independent Registered Public Accounting Firm</span></div><div style="text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To the Stockholders and Board of Directors<br/>SLM Corporation:</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Opinion on Internal Control Over Financial Reporting</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have audited SLM Corporation and subsidiaries' (the Company) internal control over financial reporting as of December 31, 2021, based on criteria established in </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Internal Control &#8211; Integrated Framework (2013)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> issued by the Committee of Sponsoring Organizations of the Treadway Commission. In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 31, 2021, based on criteria established in </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Internal Control &#8211; Integrated Framework (2013)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> issued by the Committee of Sponsoring Organizations of the Treadway Commission.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the consolidated balance sheets of the Company as of December 31, 2021 and 2020, the related consolidated statements of income, comprehensive income, changes in equity, and cash flows for each of the years in the three-year period ended December 31, 2021, and the related notes (collectively, the consolidated financial statements), and our report dated February 24, 2022 expressed an unqualified opinion on those consolidated financial statements.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Basis for Opinion</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying Management's Report on Internal Control over Financial Reporting. Our responsibility is to express an opinion on the Company&#8217;s internal control over financial reporting based on our audit. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit of internal control over financial reporting included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our audit also included performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Definition and Limitations of Internal Control Over Financial Reporting</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A company&#8217;s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company&#8217;s internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company&#8217;s assets that could have a material effect on the financial statements.</span></div><div><span><br/></span></div><div><span><br/></span></div><div style="height:52.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-5</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:52.2pt;width:100%"><div style="margin-top:6pt;padding-left:31.5pt"><span><br/></span></div><div style="margin-top:6pt;padding-left:31.5pt"><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.</span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div style="margin-bottom:8pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">/s/ KPMG LLP</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">McLean, Virginia</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">February 24, 2022</span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:24pt;margin-top:12pt;text-align:center"><span><br/></span></div><div style="margin-bottom:24pt;margin-top:12pt;text-align:center"><span><br/></span></div><div><span><br/></span></div><div style="height:52.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-6  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_76"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:80.409%"><tr><td style="width:1.0%"></td><td style="width:64.354%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.800%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.718%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.709%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.719%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">CONSOLIDATED BALANCE SHEETS</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands, except share and per share amounts)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMy0yLTEtMS0w_d6c87dd5-b06a-48c2-81f0-b377545364c2">4,334,603</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMy00LTEtMS0w_b87a1bcd-7a0d-4bae-bb3f-a8847fef89c3">4,455,292</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Investments:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Trading investments at fair value (cost of $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TradingSecuritiesDebtAmortizedCost" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfNS0wLTEtMS0wL3RleHRyZWdpb246NjNiNjc4M2E0NTY1NDAwN2FlYjdlZTg1MzUyYjBkYTZfNDc_030c13ed-3a98-4fab-8633-ae74faa1ad47">29,049</ix:nonFraction> and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:TradingSecuritiesDebtAmortizedCost" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfNS0wLTEtMS0wL3RleHRyZWdpb246NjNiNjc4M2E0NTY1NDAwN2FlYjdlZTg1MzUyYjBkYTZfMTA5OTUxMTYyNzgzMg_d3d4fed1-4698-4176-bf41-45e6ec910495">12,551</ix:nonFraction>, respectively )</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfNS0yLTEtMS0w_1529292a-d4e1-459c-96a1-a60c8e25860f">37,465</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfNS00LTEtMS0w_ffbd7709-0747-406f-96c8-aeffee4ec7b4">16,923</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Available-for-sale investments at fair value (cost of $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfNi0wLTEtMS0wL3RleHRyZWdpb246ZWUxNGI1ODQ3NzNjNDg3NDk4NGUzNDM1MDE4NGRkOTdfNTg_12b8b8f6-160c-450c-8052-7f6d6cb9ee53">2,535,568</ix:nonFraction> and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfNi0wLTEtMS0wL3RleHRyZWdpb246ZWUxNGI1ODQ3NzNjNDg3NDk4NGUzNDM1MDE4NGRkOTdfNjU_23a150fa-e163-40ad-a2eb-8d7a6ef0b542">1,986,957</ix:nonFraction>, respectively)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfNi0yLTEtMS0w_8099ecd8-8090-4674-b5d1-8d971a02f5d4">2,517,956</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfNi00LTEtMS0w_8af0c19a-6ab0-44da-baf5-9de71e41ce07">1,996,634</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other investments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:OtherInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfNy0yLTEtMS0w_f2d0e5ab-bacd-4fd2-955c-c0706de364f8">140,037</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:OtherInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfNy00LTEtMS0w_dcdbfe0c-4587-4071-99de-52b31d1e6bb5">80,794</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total investments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:Investments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfOC0yLTEtMS0w_c3f3bd6a-f2ee-4bd0-a56c-05c1f2acd146">2,695,458</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:Investments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfOC00LTEtMS0w_07a5ca3d-19ce-4416-80ae-de26f027375b">2,094,351</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans held for investment (net of allowance for losses of $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfOS0wLTEtMS0wL3RleHRyZWdpb246MjMxYTQwYjRiNzYwNGU4NTg3NjVhOGI5OWM3Y2VkM2NfNjI_30184be7-99e7-4a9a-b75a-459e6b872ecc">1,165,335</ix:nonFraction> and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfOS0wLTEtMS0wL3RleHRyZWdpb246MjMxYTQwYjRiNzYwNGU4NTg3NjVhOGI5OWM3Y2VkM2NfNjk_cbd2aaaa-11ff-484f-bb1a-f5843945a7e0">1,361,723</ix:nonFraction>, respectively)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfOS0yLTEtMS0w_9cbfd412-d007-4f97-92db-b561e0d5c1e6">20,341,283</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfOS00LTEtMS0w_7c28c5d9-49e4-4a34-b942-5a7bbf0f1129">19,183,143</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans held for sale</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:LoansReceivableHeldForSaleNetNotPartOfDisposalGroup" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTAtMi0xLTEtMA_9b17369c-64e2-4b57-a409-50053dd23082">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:LoansReceivableHeldForSaleNetNotPartOfDisposalGroup" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTAtNC0xLTEtMA_e1bcdff7-6a74-4954-82a6-ea1b487df78c">2,885,640</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Restricted cash</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTEtMi0xLTEtMA_ed27378d-49e7-467b-a75d-a43bb09baa83">210,741</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTEtNC0xLTEtMA_140520c7-44b6-4477-9454-e1f06853560d">154,417</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other interest-earning assets</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:OtherInterestEarningAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTItMi0xLTEtMA_9898e321-2a5b-43b7-8c93-151c21aadb16">9,655</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:OtherInterestEarningAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTItNC0xLTEtMA_dcdf41b5-b611-4b25-87da-7565d68c2d88">42,874</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accrued interest receivable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:InterestReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTMtMi0xLTEtMA_44329b80-d8c1-4408-8ba1-b667d10f69a4">1,205,667</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:InterestReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTMtNC0xLTEtMA_20815136-641b-4c29-aebf-3e2be36069a4">1,387,305</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premises and 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style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income taxes receivable, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:IncomeTaxReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTUtMi0xLTEtMA_bdd4d63a-c65c-46a8-bda1-c479a99bf649">239,578</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:IncomeTaxReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTUtNC0xLTEtMA_15d9b093-d01e-41c9-8c14-483af99d1b56">374,706</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax indemnification receivable</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:TaxIndemnificationReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTYtMi0xLTEtMA_f545a9e7-73a9-49ff-8c49-dc6ccb95aa44">8,047</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:TaxIndemnificationReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTYtNC0xLTEtMA_6a130e7b-44cb-497b-8f71-1e245f4034fa">18,492</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTctMi0xLTEtMA_c55acec0-347d-4bcd-ac3d-7a7abb72b922">26,351</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTctNC0xLTEtMA_c6e9cdc2-d4e4-4b2f-bff9-4ea795fb2369">19,533</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTgtMi0xLTEtMA_914b74b8-1984-411b-9fa3-6a82266645b3">29,221,899</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMTgtNC0xLTEtMA_803250f9-6063-4dae-a41b-6707c3b75ff9">30,770,423</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMjEtMi0xLTEtMA_7b17eab8-de5b-4646-a772-10e8fc5204f4">20,828,124</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMjEtNC0xLTEtMA_86388e2b-7cbe-47f8-93cc-66f079d7ab5d">22,666,039</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMjMtMi0xLTEtMA_2264fed1-4f91-49d6-994b-751f1b0964d1">5,930,990</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMjMtNC0xLTEtMA_4c8eb77c-1215-48a5-9af6-21a2e69dc477">5,189,217</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:OtherLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMjYtMi0xLTEtMA_a6c4a2f0-4f4b-4106-be81-41b693080fa7">313,074</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:OtherLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMjYtNC0xLTEtMA_5be903ef-2807-4b81-a1d0-3100e0c62ef2">352,332</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:Liabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMjctMi0xLTEtMA_94acec6c-d470-4d74-89bc-f0bb281b8ba1">27,072,188</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:Liabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMjctNC0xLTEtMA_3810bec3-3bd9-419d-a959-cec1303e6f1b">28,207,588</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Commitments and contingencies</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" xsi:nil="true" name="us-gaap:CommitmentsAndContingencies" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMjgtMi0xLTEtMA_811d8614-a283-42e9-850f-163ee86716a3"></ix:nonFraction></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" xsi:nil="true" name="us-gaap:CommitmentsAndContingencies" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMjgtNC0xLTEtMA_2edc1213-b0ce-4b99-abdd-eeecd09b38c7"></ix:nonFraction></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Equity</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock, par value $<ix:nonFraction unitRef="usdPerShare" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzAtMC0xLTEtMC90ZXh0cmVnaW9uOjNmY2ZhNDI4MDI0MTQxMjI4NjQwZGQ5Y2QzZTQ4MDdmXzMx_278d290a-9041-4a7e-8ede-4e08d7c61ba2"><ix:nonFraction unitRef="usdPerShare" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="2" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzAtMC0xLTEtMC90ZXh0cmVnaW9uOjNmY2ZhNDI4MDI0MTQxMjI4NjQwZGQ5Y2QzZTQ4MDdmXzMx_c86a4ae1-ad91-42d4-be80-cd5f24010f5d">0.20</ix:nonFraction></ix:nonFraction> per share, <ix:nonFraction unitRef="shares" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="0" name="us-gaap:PreferredStockSharesAuthorized" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzAtMC0xLTEtMC90ZXh0cmVnaW9uOjNmY2ZhNDI4MDI0MTQxMjI4NjQwZGQ5Y2QzZTQ4MDdmXzQ1_98a57c3e-9d03-494b-9854-21753191e7f6"><ix:nonFraction unitRef="shares" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="0" name="us-gaap:PreferredStockSharesAuthorized" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzAtMC0xLTEtMC90ZXh0cmVnaW9uOjNmY2ZhNDI4MDI0MTQxMjI4NjQwZGQ5Y2QzZTQ4MDdmXzQ1_e5783e61-0163-43be-9e93-6bffa1ef473c">20</ix:nonFraction></ix:nonFraction> million shares authorized:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Series B: <ix:nonFraction unitRef="shares" contextRef="ic40898de7b5c481cb1262c7c27b005d3_I20211231" decimals="0" name="us-gaap:PreferredStockSharesOutstanding" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzEtMC0xLTEtMC90ZXh0cmVnaW9uOjNjMDM1N2E4ZDAzZTQ0N2VhNjQ5MzM3ZmNjNGU5NjVjXzE0_a6afac95-824c-49b5-a233-5da998c1bae0">2.5</ix:nonFraction> million and <ix:nonFraction unitRef="shares" contextRef="i34ebe21c368946c5b84f6eaac9b76416_I20201231" decimals="0" name="us-gaap:PreferredStockSharesOutstanding" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzEtMC0xLTEtMC90ZXh0cmVnaW9uOjNjMDM1N2E4ZDAzZTQ0N2VhNjQ5MzM3ZmNjNGU5NjVjXzI5_e0714dbf-af55-429f-8c58-955231571b12">2.5</ix:nonFraction> million shares issued, respectively, at stated value of $<ix:nonFraction unitRef="usdPerShare" contextRef="ic40898de7b5c481cb1262c7c27b005d3_I20211231" decimals="0" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzEtMC0xLTEtMC90ZXh0cmVnaW9uOjNjMDM1N2E4ZDAzZTQ0N2VhNjQ5MzM3ZmNjNGU5NjVjXzg4_40deaae4-ac14-47c5-9268-da05ebdbbe36"><ix:nonFraction unitRef="usdPerShare" contextRef="i34ebe21c368946c5b84f6eaac9b76416_I20201231" decimals="0" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzEtMC0xLTEtMC90ZXh0cmVnaW9uOjNjMDM1N2E4ZDAzZTQ0N2VhNjQ5MzM3ZmNjNGU5NjVjXzg4_d2a24292-44c8-4ce9-bab4-153c327a0d63">100</ix:nonFraction></ix:nonFraction> per share</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic40898de7b5c481cb1262c7c27b005d3_I20211231" decimals="-3" name="us-gaap:PreferredStockValueOutstanding" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzEtMi0xLTEtMA_89ede05b-ae6c-4ab6-a0ad-7944f73f9271">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i34ebe21c368946c5b84f6eaac9b76416_I20201231" decimals="-3" name="us-gaap:PreferredStockValueOutstanding" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzEtNC0xLTEtMA_1c9422f1-a1fa-4b85-9ea1-c2131b45685a">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common stock, par value $<ix:nonFraction unitRef="usdPerShare" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzItMC0xLTEtMC90ZXh0cmVnaW9uOjRlNjRmZTA5MWI1NTRiMzU5Yjc5YzcxMTNiMWI4MTBkXzI4_284f2741-fe04-4e26-ab53-ef3a374bdea5"><ix:nonFraction unitRef="usdPerShare" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="2" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzItMC0xLTEtMC90ZXh0cmVnaW9uOjRlNjRmZTA5MWI1NTRiMzU5Yjc5YzcxMTNiMWI4MTBkXzI4_ec1f8193-5b14-48d3-8f7d-c5138cebb00d">0.20</ix:nonFraction></ix:nonFraction> per share, <ix:nonFraction unitRef="shares" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="0" name="us-gaap:CommonStockSharesAuthorized" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzItMC0xLTEtMC90ZXh0cmVnaW9uOjRlNjRmZTA5MWI1NTRiMzU5Yjc5YzcxMTNiMWI4MTBkXzQy_6162606e-3aab-4ff7-9165-694c9ccdc05d"><ix:nonFraction unitRef="shares" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="0" name="us-gaap:CommonStockSharesAuthorized" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzItMC0xLTEtMC90ZXh0cmVnaW9uOjRlNjRmZTA5MWI1NTRiMzU5Yjc5YzcxMTNiMWI4MTBkXzQy_ed369fcd-470d-434a-aa79-1e4fa0ad7c3e">1.125</ix:nonFraction></ix:nonFraction> billion shares authorized: <ix:nonFraction unitRef="shares" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="0" name="us-gaap:CommonStockSharesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzItMC0xLTEtMC90ZXh0cmVnaW9uOjRlNjRmZTA5MWI1NTRiMzU5Yjc5YzcxMTNiMWI4MTBkXzcy_ba8d8ccb-443a-458f-b3ae-8ff6b15699da">432.0</ix:nonFraction> million and <ix:nonFraction unitRef="shares" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="0" name="us-gaap:CommonStockSharesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzItMC0xLTEtMC90ZXh0cmVnaW9uOjRlNjRmZTA5MWI1NTRiMzU5Yjc5YzcxMTNiMWI4MTBkXzg3_4ad8ec58-95ed-4af1-b49b-f8767495e55a">456.7</ix:nonFraction> million shares issued, respectively</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:CommonStockValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzItMi0xLTEtMA_73ed3db5-4f59-4dee-a121-39a37a273b97">86,403</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:CommonStockValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzItNC0xLTEtMA_3a52998d-6d07-4ec7-bff1-ba36770a7c47">91,346</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Additional paid-in capital</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:AdditionalPaidInCapital" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzMtMi0xLTEtMA_30230d7a-2690-449d-8519-ff7d77c64be9">1,074,384</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:AdditionalPaidInCapital" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzMtNC0xLTEtMA_9e33a840-6351-4203-a180-e2a3de0099e1">1,331,247</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accumulated other comprehensive loss (net of tax benefit of $(<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:AociTaxAttributableToParent" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzQtMC0xLTEtMC90ZXh0cmVnaW9uOmYzNjdmZjM4Y2RjNTQwYjY4N2IxYWZmYmE3NGQ4NjA0XzY2_8bb50dbc-551d-4f63-adb3-b701ae56ea8d">5,707</ix:nonFraction>) and $(<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" sign="-" name="us-gaap:AociTaxAttributableToParent" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzQtMC0xLTEtMC90ZXh0cmVnaW9uOmYzNjdmZjM4Y2RjNTQwYjY4N2IxYWZmYmE3NGQ4NjA0Xzc2_889d7131-8938-45f2-909d-fdae8a466aa9">10,908</ix:nonFraction>), respectively)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" sign="-" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzQtMi0xLTEtMA_8d1a68a9-2dfe-43b2-b8b3-3d86c1f69169">17,897</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" sign="-" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzQtNC0xLTEtMA_6cd02067-e002-4905-af98-a476b0788a85">34,200</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Retained earnings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzUtMi0xLTEtMA_85968c93-d1b3-401c-a33e-d0d4bc223dbb">2,817,134</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzUtNC0xLTEtMA_e5a23fa4-a7e4-4aa3-9df4-a027f98b787c">1,722,365</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total SLM Corporation stockholders&#8217; equity before treasury stock</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzYtMi0xLTEtMA_bcd29a53-1fe3-4e52-8ca4-1810fd82a91e">4,211,094</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzYtNC0xLTEtMA_882bea27-4c14-492f-a116-feab362c316e">3,361,828</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: Common stock held in treasury at cost: <ix:nonFraction unitRef="shares" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="0" name="us-gaap:TreasuryStockShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzctMC0xLTEtMC90ZXh0cmVnaW9uOmE0MzkxOTBmNmE3NjQ4MWRiZDI4NTM5MDAwMjIwZWZkXzQ5_8a7242fe-4acc-4951-83af-a6a6ffcc29a4">153.1</ix:nonFraction> million and <ix:nonFraction unitRef="shares" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="0" name="us-gaap:TreasuryStockShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzctMC0xLTEtMC90ZXh0cmVnaW9uOmE0MzkxOTBmNmE3NjQ4MWRiZDI4NTM5MDAwMjIwZWZkXzY0_ac3dbe55-6799-408d-aaa3-6af72b3c27db">81.4</ix:nonFraction> million shares, respectively</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TreasuryStockValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzctMi0xLTEtMA_7f6f89f4-e75a-4656-80d1-ba69eaa887ab">2,061,383</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:TreasuryStockValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzctNC0xLTEtMA_ec79da3c-48ae-411d-a8a8-b7c46d706c79">798,993</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total equity</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzgtMi0xLTEtMA_aaa4cfa5-a8e1-4919-872e-59b0c7a67a98">2,149,711</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzgtNC0xLTEtMA_670d983e-c137-4c06-875e-4fb66d914f18">2,562,835</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 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double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:LiabilitiesAndStockholdersEquity" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83Ni9mcmFnOmJhZWJjNWY1MDZjODQyNjI4NDFhMDc4ZDEzNzIyY2ZkL3RhYmxlOmFjNDcxM2I1NWRhOTRhYjM4ZmFiNjBkZmU2ZmMyYWViL3RhYmxlcmFuZ2U6YWM0NzEzYjU1ZGE5NGFiMzhmYWI2MGRmZTZmYzJhZWJfMzktNC0xLTEtMA_d345e24c-990d-41b0-8958-bce04cdbb5f9">30,770,423</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See accompanying notes to consolidated financial statements.</span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-7</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_79"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.812%"><tr><td style="width:1.0%"></td><td style="width:53.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.870%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.753%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.596%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.753%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.596%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.755%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">CONSOLIDATED STATEMENTS OF INCOME</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, <br/>(dollars in thousands, except per share amounts)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Interest income:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:InterestAndFeeIncomeLoansAndLeases" format="ixt:num-dot-decimal" scale="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:CashAndInvestmentsInterestIncomeLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfNS00LTEtMS0w_99981119-d100-4d82-ac98-a9a545b24427">20,913</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:CashAndInvestmentsInterestIncomeLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfNS02LTEtMS0w_d2ada173-223c-43ca-8c1b-575110704a74">74,256</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total interest income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:InterestAndDividendIncomeOperating" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfNi0yLTEtMS0w_37fc0dbb-9364-4e81-83b2-427a6385c1da">1,776,844</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:InterestAndDividendIncomeOperating" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfNi00LTEtMS0w_72ccfd5c-5a37-4174-bc64-e7960bb74144">2,021,660</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:InterestAndDividendIncomeOperating" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfNi02LTEtMS0w_b877da90-2d08-4d72-ba65-1cf89d8ec584">2,331,032</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Interest expense:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:InterestExpenseDeposits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfOC0yLTEtMS0w_79d98741-0f65-4bdc-b589-1b90db6e9b16">225,370</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:InterestExpenseDeposits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfOC00LTEtMS0w_90cfdd3a-945f-492e-ae46-a68997a78f27">393,194</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:InterestExpenseDeposits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfOC02LTEtMS0w_49623f56-36cb-475d-b3a4-661b9c3599ee">547,746</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest expense on short-term borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:InterestExpenseShortTermBorrowings" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfOS0yLTEtMS0w_2accd776-ed85-464c-a43a-38399873dc3a">18,945</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:InterestExpenseShortTermBorrowings" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfOS00LTEtMS0w_ff2f9699-bfd2-4e3e-9d76-e50eb598f162">14,459</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:InterestExpenseShortTermBorrowings" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfOS02LTEtMS0w_3da2276a-5879-47a5-b958-883de7a718cb">6,193</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest expense on long-term borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:InterestExpenseLongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTAtMi0xLTEtMA_6e1e1c5a-3d00-4c85-83c5-e672acd5ef04">137,763</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:InterestExpenseLongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTAtNC0xLTEtMA_b48e7506-fbfa-4c9d-bc4e-b2bbd48dcfb7">134,014</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:InterestExpenseLongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTAtNi0xLTEtMA_cd3aa4bd-9b54-4c7a-8f9f-37a9d6c2bdf1">153,778</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTItMi0xLTEtMA_df35a68a-8854-4151-9d81-e5c9ebad9c73">382,078</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTItNC0xLTEtMA_c0decd8f-8147-4d53-9903-9a1b93de86c1">541,667</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTItNi0xLTEtMA_e86f1b27-cb60-49e5-b643-9247c05757ad">707,717</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTMtMi0xLTEtMA_8a2bf08f-8525-44bd-a451-4dec3f649a63">1,394,766</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTMtNC0xLTEtMA_5e971894-bac9-4187-af78-1b5c8c17adb2">1,479,993</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTMtNi0xLTEtMA_42c40a41-999e-4666-bc76-1da14c8be45d">1,623,315</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTQtMi0xLTEtMA_0940cf74-38da-40f1-9052-648decce0218">32,957</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTQtNC0xLTEtMA_9e5c3b95-3211-4e71-b9a5-dd25e0b0cd3f">93,133</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTQtNi0xLTEtMA_31e4532f-3ac8-4c85-b59b-06ad5040c6ae">354,249</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income after provisions for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTUtMi0xLTEtMA_0bc17fb9-b48c-4356-a920-686167d7cd13">1,427,723</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTUtNC0xLTEtMA_cdb49f3b-c748-4cb5-bac8-fe5bbfeb97ed">1,386,860</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTUtNi0xLTEtMA_071fd03e-945d-4fd2-8ac8-e1eb94a7b936">1,269,066</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Non-interest income:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains on sales of loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTctMi0xLTEtMA_98fc95a0-f25e-4b68-8e87-45d00e383697">548,315</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTctNC0xLTEtMA_d7bdbd7f-428e-4e60-b0e7-e3a05a3b963b">238,315</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTctNi0xLTEtMA_ebc5d44a-55d4-41f1-854f-836c84cfa14b">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains on derivatives and hedging activities, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:GainLossOnDerivativeInstrumentsNetPretax" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTktMi0xLTEtMA_d7c59c89-6ce5-4307-b576-adcbc5e516da">144</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:GainLossOnDerivativeInstrumentsNetPretax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTktNC0xLTEtMA_c9b82910-8f9e-4a3e-b39f-4ae57084f055">49,544</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:GainLossOnDerivativeInstrumentsNetPretax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMTktNi0xLTEtMA_5912877b-d8d2-47ec-84fa-f6a34fdcabea">17,825</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other income </span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjAtMi0xLTEtMA_a54d15fa-ccfe-4551-ac51-c7cc54c622f2">83,990</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjAtNC0xLTEtMA_a3b9f22d-e5a5-48ca-92b9-a29a3a17a6a6">43,590</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjAtNi0xLTEtMA_98ae6f2f-4819-4cf2-82f8-5a2abef9cb31">31,102</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total non-interest income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:NoninterestIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjEtMi0xLTEtMA_f59134aa-9583-45c8-8091-71510f4c679b">632,449</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:NoninterestIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjEtNC0xLTEtMA_35be22cd-0da9-4c20-81d4-6b5cbc0a3476">331,449</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:NoninterestIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjEtNi0xLTEtMA_99dc8a08-9e58-423b-ac25-f9543b123dcf">48,927</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Non-interest expenses:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Operating expenses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjMtMi0xLTEtMA_27b90299-09c9-4ad2-838c-9ff9a162d4dd">258,321</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:LaborAndRelatedExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjMtNC0xLTEtMA_0233887e-f731-4daf-bece-cf14b28e5bae">282,497</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:LaborAndRelatedExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjMtNi0xLTEtMA_4ec0f540-81c4-4cbb-b934-2e48c771f89a">278,229</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FDIC assessment fees</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:FederalDepositInsuranceCorporationPremiumExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjQtNC0xLTEtMA_cbc5f20e-cf57-4620-b7d4-19d8d0357e3a">21,956</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:FederalDepositInsuranceCorporationPremiumExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjQtNi0xLTEtMA_7ce23e2f-b293-4354-a5e0-d0f51df0b9a6">32,852</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other operating expenses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:OtherNoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjUtMi0xLTEtMA_2e5b50f1-d693-4dd6-ad93-b47dfaa50578">236,964</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:OtherNoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjUtNC0xLTEtMA_da9af79a-ee6a-4f2f-9dc1-9d86f8b8efa6">233,635</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:OtherNoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjUtNi0xLTEtMA_f2df4735-4042-4ea9-abe2-93b5f9f49852">263,172</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total operating expenses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:OperatingExpenses" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjYtMi0xLTEtMA_e471a0bd-e7c3-4a23-9be9-f442856f32c6">518,653</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:OperatingExpenses" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjYtNC0xLTEtMA_a99e22ad-9c15-42de-b84b-e2cb3c59d7f3">538,088</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:OperatingExpenses" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjYtNi0xLTEtMA_d82b761a-208a-428c-8ae5-98be07312ada">574,253</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Restructuring expenses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:RestructuringCharges" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjctMi0xLTEtMA_e84f80e0-ec3a-4874-a7ab-2bb1d8d88be3">1,255</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:RestructuringCharges" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjctNi0xLTEtMA_9a224e4e-c27c-4f69-bd2e-e96b2c7b0da2">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total non-interest expenses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjgtMi0xLTEtMA_0e9af441-f053-4c6f-8a6c-a6219e75955e">519,908</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjgtNC0xLTEtMA_ea3216a5-eaf9-4aab-bad5-c8ef129c0cbb">564,303</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjgtNi0xLTEtMA_de30dba3-39e3-4946-ab2b-12d7b267c189">574,253</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income before income tax expense</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjktMi0xLTEtMA_4c607e5a-5141-4516-9020-f9f0817d1cf2">1,540,264</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjktNC0xLTEtMA_73594cd2-abbe-4879-b124-7c0dcff0a5e8">1,154,006</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMjktNi0xLTEtMA_8f3bde6d-8b2d-40d9-9540-7b1d38f1d895">743,740</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzAtMi0xLTEtMA_b383d2c9-69a6-45fa-b350-1918ec5d5f25">379,751</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzAtNC0xLTEtMA_0e77d924-19c6-4d9c-891f-204f1688bc39">273,316</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzAtNi0xLTEtMA_8b5295d4-7f22-494b-9f28-68bc98a46aa8">165,464</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzEtMi0xLTEtMA_89d788e7-8524-44c1-b149-37fb94a4c587">1,160,513</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzEtNC0xLTEtMA_6e3208c2-efcf-4b93-9aea-f662db533e81">880,690</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzEtNi0xLTEtMA_88c16209-49fc-483c-bc34-612ce4ed7b7e">578,276</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzItMi0xLTEtMA_4d9f7b90-71c0-4a89-8b12-6bf8848a93db">4,736</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzItNC0xLTEtMA_2bd3ac48-bc6b-422f-a210-9d50d0e16222">9,734</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzItNi0xLTEtMA_819c3740-30b4-4355-9f9e-38e6a654340d">16,837</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Net income attributable to SLM Corporation common stock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzMtMi0xLTEtMA_c60ed00c-a46f-4c19-af7a-796e6ab43d83">1,155,777</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzMtNC0xLTEtMA_9f172cb8-7a5b-48e0-ac58-4c0e3d28b41b">870,956</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzMtNi0xLTEtMA_ecd7e4d5-af82-42e8-a5e3-824e29b1ea4a">561,439</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Basic earnings per common share</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzQtMi0xLTEtMA_65433c50-8f62-4383-aa4b-c3643b266ae8">3.67</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzQtNC0xLTEtMA_0f3063ec-28cd-4b1c-9a8d-ea48782b6452">2.27</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzQtNi0xLTEtMA_de7fc084-d341-4f9a-9b42-a83d4e3105d3">1.31</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average common shares outstanding</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzUtMi0xLTEtMA_21d2ec7a-4f59-486e-8db2-b3aaca2993fb">314,993</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzUtNC0xLTEtMA_c04ffc13-ad2d-4800-91a8-0fa23d2fea73">383,705</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzUtNi0xLTEtMA_068dbcea-bcf5-4695-b7e5-a93457b2f25c">427,292</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Diluted earnings per common share</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzYtMi0xLTEtMA_992cd3b4-1109-46d5-b8d3-27393d12a34c">3.61</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzYtNC0xLTEtMA_8dfc3190-6103-4959-8141-434d6cdf1cbb">2.25</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzYtNi0xLTEtMA_158e5c57-7d3e-421a-a4b7-726f8b482f0d">1.30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average common and common equivalent shares outstanding</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzctMi0xLTEtMA_f422fbac-fadb-4f68-9998-70e922fea95d">319,912</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzctNC0xLTEtMA_c7e7136d-0644-429c-afcf-1e7186e11c97">387,195</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzctNi0xLTEtMA_d546fec4-a136-43bf-aab7-4393291663b4">430,674</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Declared dividends per common share</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="us-gaap:CommonStockDividendsPerShareDeclared" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzgtMi0xLTEtMA_2d4d79c1-224e-42fb-a4c9-7545347537d7">0.20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="2" name="us-gaap:CommonStockDividendsPerShareDeclared" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzgtNC0xLTEtMA_ce37cc58-38ad-4d7f-8897-afbf3ac7c09b">0.12</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF83OS9mcmFnOjExMDIwMzZhMmQ2ODQ3MzJhM2ExNDkwY2UxZWM0ZmM3L3RhYmxlOjI5MTc1YTlmNmE3NzRkYzdiOTEyNTdlNDA3NTIxOTkxL3RhYmxlcmFuZ2U6MjkxNzVhOWY2YTc3NGRjN2I5MTI1N2U0MDc1MjE5OTFfMzgtNi0xLTEtMA_9d2be71a-fb52-4f6f-8433-b151047707ad">0.12</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See accompanying notes to consolidated financial statements.</span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-8  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_82"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.526%"><tr><td style="width:1.0%"></td><td style="width:51.036%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.705%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.771%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.654%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.771%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.654%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.409%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfMi0yLTEtMS0w_8c6ea2dc-5ecc-4a50-ba13-4a478248387c">1,160,513</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfMi00LTEtMS0w_81ccb501-9869-4cf8-ad59-e66abe715ec3">880,690</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfMi02LTEtMS0w_214cda17-9caa-4025-9df1-0469046af92e">578,276</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid 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0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfNC00LTEtMS0w_3f8e102a-1335-478a-b32a-ba1c42434609">7,764</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfNC02LTEtMS0w_09905d6c-03d5-4aea-b492-93e37626078e">7,993</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrealized gains (losses) on cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfNS0yLTEtMS0w_3efd7b51-b344-4e8d-85f7-5aacd4521120">48,111</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfNS00LTEtMS0w_c13532ba-4953-446f-b4cb-1e0a5d008f2d">36,511</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfNS02LTEtMS0w_de8449bb-91bf-4554-95c2-4da14b3e90b0">38,414</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total unrealized gains (losses) </span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfNi0yLTEtMS0w_f7cdb350-6f93-44cd-a227-388d572a6046">21,505</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfNi00LTEtMS0w_00459b72-4f0d-4858-a90a-9ea17a93918f">28,747</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td 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2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax (expense) benefit</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfNy0yLTEtMS0w_6550bf72-02c5-4118-9339-87b70516e332">5,202</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfNy00LTEtMS0w_e77901f6-fab9-4544-8fc6-94cbc6ac61a2">6,914</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfNy02LTEtMS0w_473e71b3-c439-43fd-9069-c8d95e72148d">7,431</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other comprehensive income (loss), net of tax (expense) benefit</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfOC0yLTEtMS0w_fde31ad4-d988-4888-8c6b-9a252485bbd5">16,303</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfOC00LTEtMS0w_bcfab338-d194-4a4c-915c-a345647f9115">21,833</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfOC02LTEtMS0w_6acc28a7-2853-4f0a-afc3-29850cb46b58">22,990</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total comprehensive income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfOS0yLTEtMS0w_931e3614-53fd-4b7f-a8e0-480839bd1aee">1,176,816</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfOS00LTEtMS0w_a705d306-88ef-4ef0-a68d-396f3a5e640c">858,857</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84Mi9mcmFnOjRhYjgyZGY2M2IwZjQ3Zjk4NmNlYjliYjI4NGRlNjc1L3RhYmxlOjIzYTJlOGYyZTg5NzRmM2E4MWI0MGRjYjU0MTFmNDViL3RhYmxlcmFuZ2U6MjNhMmU4ZjJlODk3NGYzYTgxYjQwZGNiNTQxMWY0NWJfOS02LTEtMS0w_c19fa962-9c7c-4457-8b69-32a6657f49e3">555,286</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See accompanying notes to consolidated financial statements.</span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-9</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_85"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:13.726%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.826%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.692%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.826%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.151%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.285%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.934%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.826%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.990%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.826%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.934%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.833%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Common Stock Shares</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">(In thousands, except share and per share amounts)&#160;</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Preferred Stock Shares</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Issued</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Treasury</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Outstanding</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Preferred Stock</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Common Stock</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Additional Paid-In Capital</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Accumulated<br/>Other<br/>Comprehensive<br/>Income (Loss)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Retained Earnings</span></td><td colspan="3" style="padding:0 1pt"></td><td 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7ade50eba65948d89671556354e3ba22_I20181231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMi0xNi0xLTEtMA_54439ecc-f267-4030-9bd6-f47f5b4c82cd">10,623</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i303e06efeb3d41159439f41ed8d50109_I20181231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMi0xOC0xLTEtMA_42756458-4e98-47ea-bf59-3682d9db0c07">1,340,017</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ic7d4283f3be943d286068e2bd9ba76b3_I20181231" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMi0yMC0xLTEtMA_7bd75664-57f7-4aea-9d54-db29a6b69bab">142,591</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMi0yMi0xLTEtMA_ca1971ad-a898-4557-863d-a609ed7c3425">2,972,656</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Net income </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9114a09361684a789e084f61a9e7d862_D20190101-20191231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMy0xOC0xLTEtMA_f717fb4c-fed3-43b3-8af4-0574476576d9">578,276</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iffc27d1498644ccea31d8c6fc451502f_D20190101-20191231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMy0yMi0xLTEtMA_d0734d12-66d3-4e1e-9be4-9a52274c0cad">578,276</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Other comprehensive loss, net of tax</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i4a59bed878c149618295e38b98d16bda_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfNC0xNi0xLTEtMA_4cf9ac33-c569-4dd3-a555-bcc12bf6e5fb">22,990</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iffc27d1498644ccea31d8c6fc451502f_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfNC0yMi0xLTEtMA_b1ba2545-15d2-4411-8444-5c4603d6c71a">22,990</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total comprehensive income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iffc27d1498644ccea31d8c6fc451502f_D20190101-20191231" decimals="-3" name="us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfNS0yMi0xLTEtMA_34780a4d-ac55-4b56-bbec-7926758591b5">555,286</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Cash dividends:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Common Stock ($<ix:nonFraction unitRef="usdPerShare" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="2" name="us-gaap:CommonStockDividendsPerShareDeclared" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfNy0wLTEtMS0wL3RleHRyZWdpb246MWM2MTJjMDg1MjU4NDI0NmE4ZjY0YzJmNTIzN2ZkMjZfMTg_01dd5c41-f19a-4ff1-b271-36c725ed736b">0.12</ix:nonFraction> per share)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i9114a09361684a789e084f61a9e7d862_D20190101-20191231" decimals="-3" name="us-gaap:DividendsCommonStockCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfNy0xOC0xLTEtMA_696e92d6-19bb-427a-aa80-1d60ce5bc780">51,114</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iffc27d1498644ccea31d8c6fc451502f_D20190101-20191231" decimals="-3" name="us-gaap:DividendsCommonStockCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfNy0yMi0xLTEtMA_64f0ac02-7626-4a5a-86f2-f37cb39b333e">51,114</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Preferred Stock, series B ($<ix:nonFraction unitRef="usdPerShare" contextRef="i7113bf3e44284ac0a8502424b644cd5e_D20190101-20191231" decimals="2" name="us-gaap:PreferredStockDividendRatePerDollarAmount" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfOC0wLTEtMS0wL3RleHRyZWdpb246ODQ3YWVjMjA1YjcxNDM2NThjNmJlMmY3OTM0YjM0YzZfMzE_5424b8b4-d963-4daa-b2ed-fb82e06985cb">4.21</ix:nonFraction> per share)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i42be459d078d426e89cd06bdb7162d72_D20190101-20191231" decimals="-3" name="us-gaap:DividendsPreferredStockCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfOC0xOC0xLTEtMA_de3911eb-f99e-442a-8991-c21072c05c53">16,837</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5d31e73938f6447ea0396a0290ac2216_D20190101-20191231" decimals="-3" name="us-gaap:DividendsPreferredStockCash" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic895f870daf64df7b4c8a0eaeeef6445_D20190101-20191231" decimals="-3" name="slm:AdjustmentstoAdditionalPaidInCapitalDividendsEquivalentUnitsRelatedtoemployeeStockBasedCompensationPlans" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfOS0xNC0xLTEtMA_3f5bb339-90ce-4b91-9581-28f64ba561fb">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i9114a09361684a789e084f61a9e7d862_D20190101-20191231" decimals="-3" sign="-" name="slm:AdjustmentstoAdditionalPaidInCapitalDividendsEquivalentUnitsRelatedtoemployeeStockBasedCompensationPlans" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfOS0xOC0xLTEtMA_58b7d9c2-fda5-49a7-833f-f25d74994c87">5</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="iaa1a408d791e44c198a2a2a729b8d948_D20190101-20191231" decimals="0" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTAtNC0xLTEtMA_3057390f-a966-4250-b30c-b840b6ba6813">3,743,705</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="iaa1a408d791e44c198a2a2a729b8d948_D20190101-20191231" decimals="0" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTAtOC0xLTEtMA_58fba22b-f840-4b07-99df-ea84e7b8c1d1">3,743,705</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iaa1a408d791e44c198a2a2a729b8d948_D20190101-20191231" decimals="-3" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTAtMTItMS0xLTA_345f7aab-df1f-4ed7-87d5-9d0e79fdc91b">748</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 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2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iffc27d1498644ccea31d8c6fc451502f_D20190101-20191231" decimals="-3" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTAtMjItMS0xLTA_5b01e12b-1978-43bd-b4e5-46484625c9be">3,375</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Stock-based compensation expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic895f870daf64df7b4c8a0eaeeef6445_D20190101-20191231" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9114a09361684a789e084f61a9e7d862_D20190101-20191231" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTEtMTgtMS0xLTA_85d5d60a-51bc-4ae0-b40f-12968cf0b558">175</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iffc27d1498644ccea31d8c6fc451502f_D20190101-20191231" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTEtMjItMS0xLTA_cabd4778-d398-4680-9bca-c92147085b61">30,538</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Common stock repurchased</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" 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contextRef="iaa1a408d791e44c198a2a2a729b8d948_D20190101-20191231" decimals="0" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTItOC0xLTEtMA_892e2d3c-1609-41a2-98df-f4fb01fcd853">16,962,199</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="idb9e5e217ece49f1b0b893602e86e048_D20190101-20191231" decimals="-3" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTItMjAtMS0xLTA_f620c633-7acd-401e-a3fc-10c47a1ac779">167,201</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iffc27d1498644ccea31d8c6fc451502f_D20190101-20191231" decimals="-3" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTItMjItMS0xLTA_9fe42f8c-7c3b-4435-92ce-4a74a8da3db5">167,201</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Shares repurchased related to employee stock-based compensation plans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="idb9e5e217ece49f1b0b893602e86e048_D20190101-20191231" decimals="-3" name="us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTMtMjAtMS0xLTA_c668caa1-2348-4d0f-86b2-190986a5560e">14,867</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iffc27d1498644ccea31d8c6fc451502f_D20190101-20191231" decimals="-3" name="us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTMtMjItMS0xLTA_9f2bfccf-9027-4429-aedb-fc4aa5936626">14,867</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Balance at December 31, 2019</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i316c6f76beb1409c8988de3ace9a0afc_I20191231" decimals="0" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTQtNC0xLTEtMA_9978b1af-028a-40f3-a615-17809fee10ee">453,599,926</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="i948bd3a910134ca88127df5a76de87ec_I20191231" decimals="0" sign="-" name="us-gaap:SharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTQtNi0xLTEtMA_3bae818f-5876-4347-98e9-083761fe4d4b">32,506,562</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-bottom:3pt 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTQtOC0xLTEtMA_440976f5-89d8-4c7f-b35d-131058c7f89c">421,093,364</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt 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style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i316c6f76beb1409c8988de3ace9a0afc_I20191231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTQtMTItMS0xLTA_5f4ffa53-b301-457c-95e8-9fd7e96791a7">90,720</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibe3fde7d03094521be4efffd19e45ee3_I20191231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTQtMTQtMS0xLTA_aac4e9b5-d516-431d-8bcb-f81207010412">1,307,630</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8cc6f910077e4074879308ca53861ac9_I20191231" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTQtMTYtMS0xLTA_910b8b63-83ac-4de3-91a7-870a3cdf7a41">12,367</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idf4e163d0df24a649bfc681112403a12_I20191231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTQtMTgtMS0xLTA_2005764c-9915-4d1e-86a7-5391c5caf278">1,850,512</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i948bd3a910134ca88127df5a76de87ec_I20191231" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTQtMjAtMS0xLTA_50c107e1-fa5e-4534-9bb9-23e85cdc6c58">324,659</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i38f7760d44a94d399e3217751a4d71cd_I20191231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOmFhYjU4OWRiNGU5MjQyYWNiZDYwNjU4MGYwN2M3OTU2L3RhYmxlcmFuZ2U6YWFiNTg5ZGI0ZTkyNDJhY2JkNjA2NTgwZjA3Yzc5NTZfMTQtMjItMS0xLTA_70bb2c39-4b57-423f-bbbd-89481f022612">3,311,836</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">See accompanying notes to consolidated financial statements.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-10  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:18.705%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.151%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.934%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.393%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.151%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.635%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.635%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.151%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.341%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.151%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.635%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.166%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Common Stock Shares</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">(In thousands, except share and per share amounts)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Preferred Stock Shares</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Issued</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Treasury</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Outstanding</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Preferred Stock</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Common Stock</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Additional Paid-In Capital</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Accumulated<br/>Other<br/>Comprehensive<br/>Loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Retained Earnings</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Treasury Stock</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total Equity</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Balance at December 31, 2019</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="ib09c2f0677e34fd480a5697d9848ffc1_I20191231" decimals="0" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMy0yLTEtMS0w_0702aea9-97f8-45f7-acfe-d492513600f3">4,000,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i316c6f76beb1409c8988de3ace9a0afc_I20191231" decimals="0" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMy00LTEtMS0w_a79c5465-9a55-4bc7-924d-9d0869d21c3e">453,599,926</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="i948bd3a910134ca88127df5a76de87ec_I20191231" decimals="0" sign="-" name="us-gaap:SharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMy02LTEtMS0w_ceb57f1c-16b2-4903-9969-023aa8d12887">32,506,562</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib09c2f0677e34fd480a5697d9848ffc1_I20191231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMy0xMC0xLTEtMA_382667c1-c077-4ea4-99bd-c97b117f7ecc">400,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i316c6f76beb1409c8988de3ace9a0afc_I20191231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idf4e163d0df24a649bfc681112403a12_I20191231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6378253ec48a4da5a454e62607188cde_I20191231" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfNC0xOC0xLTEtMA_a0417387-980d-4179-ab87-1d41cb597b21">952,639</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i19a05c24dbe0419cb9925e03dfcf9b8e_I20191231" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfNC0yMi0xLTEtMA_7da3bd1b-884e-473d-bb92-6e3951543af5">952,639</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 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format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfNS00LTEtMS0w_222c18df-335e-4f98-8be8-1ce8f6c5fb0c">453,599,926</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="i1f208e2c48404a458e0b105584a4d1f5_I20191231" decimals="0" 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7c4866444e5a44a399e5300a1b1826b9_D20200101-20201231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8504a3ff516743419c53efd5d9f78f91_D20200101-20201231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfNi0yMi0xLTEtMA_c3878219-418c-40da-8c42-2be9304bdb38">880,690</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Other comprehensive loss, net of tax</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8085ff312791409d98f54c740f60aa39_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfNy0xNi0xLTEtMA_af32195f-5fdc-4d62-aeec-10dfe58f58f4">21,833</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8504a3ff516743419c53efd5d9f78f91_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfNy0yMi0xLTEtMA_130ba459-caed-4de9-bb51-e5caff1bf3d4">21,833</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total comprehensive income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8504a3ff516743419c53efd5d9f78f91_D20200101-20201231" decimals="-3" name="us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfOC0yMi0xLTEtMA_bb474e10-0565-47a9-85e0-cea24efbb820">858,857</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Cash dividends declared:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTAtMC0xLTEtMC90ZXh0cmVnaW9uOjVlNDRiOWFkNjI2MzRlM2Y5YWM2MzgwOWIzNTZkOTQ2XzE4_118d8755-51ab-44a4-895c-aaee775dd689">0.12</ix:nonFraction> per share)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i7c4866444e5a44a399e5300a1b1826b9_D20200101-20201231" decimals="-3" name="us-gaap:DividendsCommonStockCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTAtMTgtMS0xLTA_36cc2e5d-bc76-43ef-86c1-3b3317dfde32">46,351</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTEtMC0xLTEtMC90ZXh0cmVnaW9uOmM1ZmIxM2FiMTdlYzRmMjg4MzMxMzQzZGQ5ZWFjNDU0XzMx_b56f6877-79e1-4949-a675-7dd012433632">2.56</ix:nonFraction> per share)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ic5a21aa00dea41369e268523998aeb47_D20200101-20201231" decimals="-3" name="us-gaap:DividendsPreferredStockCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTEtMTgtMS0xLTA_783a2c58-474a-428b-a6da-6b5007ce6066">9,734</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6a3b10b604a0400aa652f287e5de3caf_D20200101-20201231" decimals="-3" name="us-gaap:DividendsPreferredStockCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTEtMjItMS0xLTA_d6e3a8ea-f258-4e51-8cb5-f3bbc86ccd70">9,734</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Repurchase of Preferred Stock, series B</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="i89bfe978f6d245849b4c012dcf31fb1a_D20200101-20201231" decimals="0" name="us-gaap:StockRepurchasedDuringPeriodShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTItMi0xLTEtMA_cf808b7d-8d66-43b6-b54b-3dd736960468">1,489,304</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i89bfe978f6d245849b4c012dcf31fb1a_D20200101-20201231" decimals="-3" name="us-gaap:StockRepurchasedDuringPeriodValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTItMTAtMS0xLTA_05217a69-36cf-4d70-b708-13835a924830">148,930</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida7621c2e7274bf687a7c8183d0bcaae_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:StockRepurchasedDuringPeriodValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTItMTQtMS0xLTA_21e7f384-ae55-434a-9ee0-f25e59ecf9ad">80,875</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6a3b10b604a0400aa652f287e5de3caf_D20200101-20201231" decimals="-3" name="us-gaap:StockRepurchasedDuringPeriodValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTItMjItMS0xLTA_2cbf7db5-c991-469d-928f-3a0e98485582">68,055</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Dividend equivalent units related to employee stock-based compensation plans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i7c4866444e5a44a399e5300a1b1826b9_D20200101-20201231" decimals="-3" sign="-" name="slm:AdjustmentstoAdditionalPaidInCapitalDividendsEquivalentUnitsRelatedtoemployeeStockBasedCompensationPlans" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTMtMTgtMS0xLTA_102c125f-d1c7-41e3-aaa2-d9d40df77bb5">281</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7c4866444e5a44a399e5300a1b1826b9_D20200101-20201231" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" scale="3" 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style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8504a3ff516743419c53efd5d9f78f91_D20200101-20201231" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTUtMjItMS0xLTA_422e1e3f-0305-4877-ab21-7663d4b5f05d">36,586</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Common stock repurchased</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ia5dec4834d09485ebd3f7983259337d4_D20200101-20201231" decimals="-3" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTYtMjAtMS0xLTA_5a63b53b-ceb8-44ce-9cbe-95faa2e423c9">461,244</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8504a3ff516743419c53efd5d9f78f91_D20200101-20201231" decimals="-3" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTYtMjItMS0xLTA_95830385-df49-4a7c-a7a7-0f75ad34e861">558,167</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Shares repurchased related to employee stock-based compensation plans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="ia5dec4834d09485ebd3f7983259337d4_D20200101-20201231" decimals="0" name="us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTctNi0xLTEtMA_65b6ab4a-6040-46b1-96ff-af12e9815e8d">1,197,843</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="i0e5dd609181343d8a06847af03548371_D20200101-20201231" decimals="0" name="us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTctOC0xLTEtMA_b6867b49-fe61-4b8f-b0b1-3144dcdc586f">1,197,843</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 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style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ia5dec4834d09485ebd3f7983259337d4_D20200101-20201231" decimals="-3" name="us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTctMjAtMS0xLTA_f46d4608-612e-4359-83df-f5b3ddfc45cf">13,090</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8504a3ff516743419c53efd5d9f78f91_D20200101-20201231" decimals="-3" name="us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTctMjItMS0xLTA_612fe454-0419-43d8-9787-c0fe07fb7d2b">13,090</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Balance at December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i8a228302f0fc4af6a128f9fc7995e166_I20201231" decimals="0" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTgtMi0xLTEtMA_b8ffb84b-e804-41c0-b419-d3978e0813c7">2,510,696</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i7a3ad595b0194424ba0ee22fe1e6de97_I20201231" decimals="0" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTgtNC0xLTEtMA_5b053140-6bd1-42fb-8fb0-1e0abd418a39">456,729,251</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="i930c23361ed94bce92f5ca10adae9d6d_I20201231" decimals="0" sign="-" name="us-gaap:SharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTgtNi0xLTEtMA_c4f1a463-13f8-434c-8a51-8e021118c6d9">81,441,252</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i7a3ad595b0194424ba0ee22fe1e6de97_I20201231" decimals="0" name="us-gaap:SharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTgtOC0xLTEtMA_5a16958b-ff5b-474a-8977-eaaab9f83da0">375,287,999</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8a228302f0fc4af6a128f9fc7995e166_I20201231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTgtMTAtMS0xLTA_f547e8da-2673-4f20-9dd7-2bd5014feaa6">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7a3ad595b0194424ba0ee22fe1e6de97_I20201231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTgtMTItMS0xLTA_fd94d411-2fe5-4b1e-a3b0-17f52da266ea">91,346</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic9f167c3af8d43d3a9530fed318f5770_I20201231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTgtMTQtMS0xLTA_fd245166-73b2-4afe-ac2a-1748cd0c4b68">1,331,247</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i729a90b32b46478d8285a446e9c77996_I20201231" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTgtMTYtMS0xLTA_d9c97d8e-ee0c-485d-94bc-158556f2efd3">34,200</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6c1f16d8cc264d71b28e5ce07d95f1d9_I20201231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTgtMTgtMS0xLTA_0c2c0c66-cba9-4617-9674-16c76ae2ccd7">1,722,365</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i930c23361ed94bce92f5ca10adae9d6d_I20201231" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTgtMjAtMS0xLTA_9257f666-c7d4-463a-b2eb-5945ce14247b">798,993</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id8997fa18cf04e1ab93cf6d3f5db9f1e_I20201231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjgyYTdkNDg0N2E1MjQ1MTA4ZDJkMWQzYTU0YWY5M2U2L3RhYmxlcmFuZ2U6ODJhN2Q0ODQ3YTUyNDUxMDhkMmQxZDNhNTRhZjkzZTZfMTgtMjItMS0xLTA_747ab41c-6b30-43cb-bcf8-439693604684">2,562,835</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">See accompanying notes to consolidated financial statements.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-11</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="text-align:center"><span><br/></span></div><div style="margin-top:9pt;text-align:center"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:18.705%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.393%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.151%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.151%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.934%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.635%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.635%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.393%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.558%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.960%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.177%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.341%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.157%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Common Stock Shares</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">(In thousands, except share and per share amounts)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Preferred Stock Shares</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Issued</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Treasury</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Outstanding</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Preferred Stock</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Common Stock</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Additional Paid-In Capital</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Accumulated<br/>Other<br/>Comprehensive <br/>Income (Loss)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Retained Earnings</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Treasury Stock</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total Equity</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Balance at December 31, 2020</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMi0xMC0xLTEtMzMwMzA_e64ce84e-6858-4d38-963d-b52209f47616">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span 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#000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic9f167c3af8d43d3a9530fed318f5770_I20201231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMi0xNC0xLTEtMzMwMzA_7028194e-20f8-44a0-ad0c-a8bf1c67fd7b">1,331,247</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i729a90b32b46478d8285a446e9c77996_I20201231" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMi0xNi0xLTEtMzMwMzA_ece12093-a248-4e7b-9b84-127d7fb2c789">34,200</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6c1f16d8cc264d71b28e5ce07d95f1d9_I20201231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMi0xOC0xLTEtMzMwMzA_03edc7d8-50db-48ce-bd0c-2af6964a714c">1,722,365</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i930c23361ed94bce92f5ca10adae9d6d_I20201231" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMi0yMC0xLTEtMzMwMzA_9eb14256-c9ab-42aa-a94d-8e23679af6f9">798,993</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMi0yMi0xLTEtMzMwMzA_81f69b0d-41ba-4af9-8e86-b04ff886f7e6">2,562,835</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i15ed1fd2b628498cb39a5280fc1d4c80_D20210101-20211231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMy0xOC0xLTEtMzMwMzA_5e1b01ec-ac6c-482e-841c-77ffd706746c">1,160,513</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7daab0a6f3b44b3783a92c9958d7e97e_D20210101-20211231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMy0yMi0xLTEtMzMwMzA_c5d9fff1-ea14-4366-926e-7406bfac40f5">1,160,513</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span 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style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ieded8cbafca14d1a8974f340cc714dea_D20210101-20211231" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfNC0xNi0xLTEtMzMwMzA_8143738d-68f3-4394-a3fc-1fa1e36bf7b3">16,303</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7daab0a6f3b44b3783a92c9958d7e97e_D20210101-20211231" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfNC0yMi0xLTEtMzMwMzA_b531c11f-0111-4b65-b25a-cf32918fe472">16,303</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total comprehensive income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7daab0a6f3b44b3783a92c9958d7e97e_D20210101-20211231" decimals="-3" name="us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfNS0yMi0xLTEtMzMwMzA_5ccc4968-92ee-4984-8927-cb938a7c1a29">1,176,816</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Cash dividends declared:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfNy0wLTEtMS0zMzAzMC90ZXh0cmVnaW9uOjcwOTlmYjdjMjUzNTRiNWZhOTlkMmRmZjY5ZmY4MzE2XzEwOTk1MTE2Mjc4MTQ_382b43ca-2b88-4e19-88d9-5c5fbb80292a">0.20</ix:nonFraction> per share)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i15ed1fd2b628498cb39a5280fc1d4c80_D20210101-20211231" decimals="-3" name="us-gaap:DividendsCommonStockCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfNy0xOC0xLTEtMzMwMzA_58bd12d0-f870-415e-9c7f-85f4313de44e">60,462</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i7daab0a6f3b44b3783a92c9958d7e97e_D20210101-20211231" decimals="-3" name="us-gaap:DividendsCommonStockCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfNy0yMi0xLTEtMzMwMzA_f9729152-ae52-4b26-a673-43353daf3425">60,462</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Preferred Stock, Series B ($<ix:nonFraction unitRef="usdPerShare" contextRef="i9ea63994d5fd4d54a4ed5a21bfba77b4_D20210101-20211231" decimals="2" name="us-gaap:PreferredStockDividendRatePerDollarAmount" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfOC0wLTEtMS0zMzAzMC90ZXh0cmVnaW9uOjJhMDk2NmY1MmVmMjRjYzViYTk4ZjlmY2U2MTM1MGI3XzEwOTk1MTE2Mjc4Mjc_82c3f998-a023-4c44-888a-c7a4143d1291">1.89</ix:nonFraction> per share)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="if71f42f3cc964d8db9a77d48b1a47d9a_D20210101-20211231" decimals="-3" name="us-gaap:DividendsPreferredStockCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfOC0xOC0xLTEtMzMwMzA_8be0a0f4-5597-4c4d-8c01-e32a09b61162">4,736</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ieb7635fb1f3f4b0bb0dd07b883a727bf_D20210101-20211231" decimals="-3" name="us-gaap:DividendsPreferredStockCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfOC0yMi0xLTEtMzMwMzA_cf496ba0-9782-4859-b9d3-52712e5e328e">4,736</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Dividend equivalent units related to employee stock-based compensation plans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4e75ee3c224649bba66d7f5b9beeb06b_D20210101-20211231" decimals="-3" name="slm:AdjustmentstoAdditionalPaidInCapitalDividendsEquivalentUnitsRelatedtoemployeeStockBasedCompensationPlans" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTAtMTQtMS0xLTMzMDMw_4568b8b5-65a0-4d2c-a9d3-08bf4ae32a48">530</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i15ed1fd2b628498cb39a5280fc1d4c80_D20210101-20211231" decimals="-3" sign="-" name="slm:AdjustmentstoAdditionalPaidInCapitalDividendsEquivalentUnitsRelatedtoemployeeStockBasedCompensationPlans" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTAtMTgtMS0xLTMzMDMw_910b4d8d-a043-4f68-97d3-01d44c1e2a0d">546</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i7daab0a6f3b44b3783a92c9958d7e97e_D20210101-20211231" decimals="-3" sign="-" name="slm:AdjustmentstoAdditionalPaidInCapitalDividendsEquivalentUnitsRelatedtoemployeeStockBasedCompensationPlans" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTAtMjItMS0xLTMzMDMw_1ef6a894-0ff9-4bc8-918c-f2e6c51cadc9">16</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Issuance of common shares</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i138594e89cb04866b02044e9b906b25d_D20210101-20211231" decimals="0" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTEtNC0xLTEtMzMwMzA_81c1cfd3-1a78-4857-b372-d362ccd0de70">3,786,581</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i138594e89cb04866b02044e9b906b25d_D20210101-20211231" decimals="0" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTEtOC0xLTEtMzMwMzA_7d43cb8b-4d6a-42f7-aed9-72494290dc06">3,786,581</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i138594e89cb04866b02044e9b906b25d_D20210101-20211231" decimals="-3" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTEtMTItMS0xLTMzMDMw_e93789d1-4722-4b7b-bda3-8fac8db321d6">757</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4e75ee3c224649bba66d7f5b9beeb06b_D20210101-20211231" decimals="-3" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTEtMTQtMS0xLTMzMDMw_9a984975-d799-41c4-9fca-db79dec60b6c">4,134</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4e75ee3c224649bba66d7f5b9beeb06b_D20210101-20211231" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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name="us-gaap:StockRepurchasedAndRetiredDuringPeriodShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTMtNC0xLTEtMzMwMzA_4f0cb2f5-ec70-4fe3-8ccb-8b3d20296869">28,502,460</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTMtMTItMS0xLTMzMDMw_acc327ff-ce5a-4924-8e78-3b4e772e43c5">5,700</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i4e75ee3c224649bba66d7f5b9beeb06b_D20210101-20211231" decimals="-3" name="us-gaap:StockRepurchasedAndRetiredDuringPeriodValue" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Common stock repurchased</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="i836f2f6fce6748ea95f37a850e5f43f7_D20210101-20211231" decimals="0" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTQtNi0xLTEtMzMwMzA_8deef305-6318-4d52-ada9-32cb08080fc9">70,246,445</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" 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style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4e75ee3c224649bba66d7f5b9beeb06b_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTQtMTQtMS0xLTMzMDMw_4092fc74-b27f-49d9-9f1d-bbfe2e50d356">174,684</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i836f2f6fce6748ea95f37a850e5f43f7_D20210101-20211231" decimals="-3" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTQtMjAtMS0xLTMzMDMw_1b43db6c-c873-417d-807b-33cbd0060be7">1,242,267</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i7daab0a6f3b44b3783a92c9958d7e97e_D20210101-20211231" decimals="-3" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTQtMjItMS0xLTMzMDMw_a3c462e9-ab77-4ccb-92b3-7cb790cb0476">1,067,583</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Shares repurchased related to employee stock-based compensation plans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="i836f2f6fce6748ea95f37a850e5f43f7_D20210101-20211231" decimals="0" name="us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTUtNi0xLTEtMzMwMzA_e3d5ae53-8a50-484f-bd2c-73b964f23a70">1,368,942</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="i138594e89cb04866b02044e9b906b25d_D20210101-20211231" decimals="0" name="us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTUtOC0xLTEtMzMwMzA_75b229e4-a048-4cab-ad36-f439beab4fb5">1,368,942</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i836f2f6fce6748ea95f37a850e5f43f7_D20210101-20211231" decimals="-3" name="us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTUtMjAtMS0xLTMzMDMw_899ae33e-2f9d-4d7d-9017-751b70145ba2">20,123</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i7daab0a6f3b44b3783a92c9958d7e97e_D20210101-20211231" decimals="-3" name="us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTUtMjItMS0xLTMzMDMw_4a756a0c-656a-40fe-a6da-c46f1a6c2946">20,123</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Balance at December 31, 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="ib5e5f3dcec854a7ca7ac6f770be060de_I20211231" decimals="0" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTYtMi0xLTEtMzMwMzA_e17a5065-bb25-4a1f-860a-e7b4310f3457">2,510,696</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="ifa13a8f75ab749d7bd67271a048c7839_I20211231" decimals="0" sign="-" name="us-gaap:SharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTYtNi0xLTEtMzMwMzA_4f4e0254-2516-4363-813f-0c68a4700200">153,056,639</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="ifb4dc7caa12c4c4badd9264bed325dc1_I20211231" decimals="0" name="us-gaap:SharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTYtOC0xLTEtMzMwMzA_695372a9-2024-442d-aca9-df2d30584329">278,956,733</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib5e5f3dcec854a7ca7ac6f770be060de_I20211231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTYtMTAtMS0xLTMzMDMw_1b1525fb-cc34-41b2-b3f5-d8f0ad244283">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifb4dc7caa12c4c4badd9264bed325dc1_I20211231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTYtMTItMS0xLTMzMDMw_1f336413-d5c1-4482-abb6-385df3e0fc00">86,403</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i23e5d1c63c4248158f22fed30350779d_I20211231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTYtMTQtMS0xLTMzMDMw_10caf66c-b785-451f-9d96-aad95d31e513">1,074,384</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8e049f1699634bc9941c6106276096ae_I20211231" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTYtMTYtMS0xLTMzMDMw_399f0eb6-476b-4d1a-8df7-d8e5dfc8dbca">17,897</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0c619d67032542ea8fc701eb9e553696_I20211231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTYtMTgtMS0xLTMzMDMw_8251afdb-2165-4a66-bdee-cd210e52c1e4">2,817,134</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ifa13a8f75ab749d7bd67271a048c7839_I20211231" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTYtMjAtMS0xLTMzMDMw_38a60c75-16e4-4302-aafc-60ae5177450f">2,061,383</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4d63d5fd15944b48a818dee86c9a5c26_I20211231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84NS9mcmFnOjM4ZTlkYzhlN2Q0NTQ1NzI4NzQ1MGQ5NjFiZTBkZGVmL3RhYmxlOjVmM2ZlYzMxNjVlNTQwOTNhMTkxYjM1YzgxMTAzZWY3L3RhYmxlcmFuZ2U6NWYzZmVjMzE2NWU1NDA5M2ExOTFiMzVjODExMDNlZjdfMTYtMjItMS0xLTMzMDMw_842f3f0a-4971-429d-992e-ca45e6cfd175">2,149,711</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">See accompanying notes to consolidated financial statements.</span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-12  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_88"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:81.805%"><tr><td style="width:1.0%"></td><td style="width:64.944%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.648%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.596%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.648%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.256%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.648%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.260%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">CONSOLIDATED STATEMENTS OF CASH FLOWS</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Operating activities</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" 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contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMy00LTEtMS0w_76e7f6bd-4deb-4c47-9f04-d7f16422f16f">880,690</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjustments to reconcile net income to net cash used in operating activities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:ProvisionForDoubtfulAccounts" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNS0yLTEtMS0w_c2c38690-b297-4714-b51e-d91d50159275">32,957</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:ProvisionForDoubtfulAccounts" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNS00LTEtMS0w_190523b6-be41-4f14-81a1-e9f8118cce4c">93,133</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:ProvisionForDoubtfulAccounts" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNS02LTEtMS0w_50a8a3e4-96a9-42dd-84dc-e41d64ead239">354,249</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred tax provision (benefit)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:DeferredIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNi0yLTEtMS0w_ee448767-dade-4bb6-90ee-7e92543ca4d9">55,372</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:DeferredIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNi00LTEtMS0w_33807789-283e-49cb-bf6a-8c0f11a7e1fb">72,776</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:DeferredIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNi02LTEtMS0w_4c7a49f9-2de6-45dd-85e3-b3560205401c">9,714</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of brokered deposit placement fee</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:AmortizationofBrokeredDepositPlacement" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNy0yLTEtMS0w_fe4adeae-4259-41ac-bc05-4ae9f8e4ab44">15,516</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:AmortizationofBrokeredDepositPlacement" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNy00LTEtMS0w_289c16fe-5573-4fcb-9cb1-42b8b444f1f0">19,401</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:AmortizationofBrokeredDepositPlacement" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNy02LTEtMS0w_8fadfffd-5c87-4123-aedc-56d6911663ee">17,788</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of Secured Borrowing Facility upfront fee</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:AmortizationofABCPUpfrontFee" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfOC0yLTEtMS0w_80dc1823-dbe0-4f3f-b89e-7e22f791516b">2,415</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:AmortizationofABCPUpfrontFee" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfOC00LTEtMS0w_41ac3c46-d935-40e7-a6ca-f8c5c4c42034">2,976</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:AmortizationofABCPUpfrontFee" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfOC02LTEtMS0w_00962e9b-0394-4d03-aaeb-a550d3d65637">1,117</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of deferred loan origination costs and loan premium/(discounts), net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:AmortizationOfDeferredLoanOriginationFeesNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfOS0yLTEtMS0w_205240f3-ba7d-48cc-8984-1b4f742c2ac8">16,103</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:AmortizationOfDeferredLoanOriginationFeesNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfOS00LTEtMS0w_69f57ec1-d1b2-4270-8b44-7b8adad6e0f7">24,152</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:AmortizationOfDeferredLoanOriginationFeesNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfOS02LTEtMS0w_f770706d-63a9-4534-bc75-adc02e2ace5f">13,049</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net amortization of discount on investments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTAtMi0xLTEtMA_f43f7598-e855-4dcb-a49f-3b9ce876adec">7,310</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTAtNC0xLTEtMA_534bf363-a2f4-4c22-9c52-ea47d6f3d7d1">6,350</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTAtNi0xLTEtMA_eab53382-c6e3-4ea0-ab72-874f8bf05c71">2,069</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reduction of tax indemnification receivable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="slm:InterestIncomeonTaxIndemnificationReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTEtMi0xLTEtMA_9ff1e49f-2c0f-4ad3-9fdd-d9d707bd26bf">10,445</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="slm:InterestIncomeonTaxIndemnificationReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTEtNC0xLTEtMA_344ad99b-ff15-4148-ac11-3f0ec444240f">9,066</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="slm:InterestIncomeonTaxIndemnificationReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTEtNi0xLTEtMA_fc30ce6f-0a19-4d75-a13e-e1296cc77c5f">11,649</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Depreciation of premises and equipment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:Depreciation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTItMi0xLTEtMA_5476bebb-e569-4536-a6cb-c898b0ef4127">16,043</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:Depreciation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTItNC0xLTEtMA_a7032d33-58ae-4822-889c-1a8a1e094c9e">15,066</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:Depreciation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTItNi0xLTEtMA_dd9b24fa-5a82-49cf-bfd6-9cfcf417f3f7">14,669</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Stock-based compensation expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:ShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTQtMi0xLTEtMA_246e6812-2c64-4cba-9aa6-980a07e23ec4">30,649</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:ShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTQtNC0xLTEtMA_9dd4f13a-bd30-4739-9739-b75cfcfe5e45">36,464</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:ShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTQtNi0xLTEtMA_c859a5b0-fcee-4d5a-bc04-c8aea6d07e3e">30,600</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized (gains) losses on derivative and hedging activities, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:UnrealizedGainLossOnDerivatives" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTUtMi0xLTEtMA_ddaab35b-7abe-4d31-9655-21c13fb81c6e">23,249</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:UnrealizedGainLossOnDerivatives" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTUtNC0xLTEtMA_dbe54aa0-f9f8-46e9-85a5-7e5c19693d17">10,333</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:UnrealizedGainLossOnDerivatives" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTUtNi0xLTEtMA_79936bd4-5550-40a6-9c8e-c50f8530493e">19,046</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains on sale of loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTYtMi0xLTEtMA_58c6784c-1877-43d3-871b-5d6135c4d22e">548,315</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTYtNC0xLTEtMA_127cb02e-1091-497e-9b8a-7dd14e15075c">238,315</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTYtNi0xLTEtMA_ee475a93-c9c5-4295-add2-aef2a46f39f4">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gain on sale of Upromise subsidiary, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:GainLossOnDispositionOfAssets1" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTgtMi0xLTEtMA_095181fa-878b-4e80-99e2-85988e3704fd">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:GainLossOnDispositionOfAssets1" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTgtNC0xLTEtMA_d6e82e2c-70d9-4e06-86b0-22ab3f80c536">11,331</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:GainLossOnDispositionOfAssets1" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTgtNi0xLTEtMA_2d60f285-4cfb-4b28-84e2-6df227c42879">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other adjustments to net income, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:OtherNoncashIncomeExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTktMi0xLTEtMA_59de02a8-6260-4512-9939-fbd8566fa659">23,410</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:OtherNoncashIncomeExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTktNC0xLTEtMA_df37ef73-25cc-4e1d-a028-cd94b13b1b87">8,810</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:OtherNoncashIncomeExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMTktNi0xLTEtMA_036e82b7-452c-48d7-8c41-705b55a15e4e">3,724</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes in operating assets and liabilities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Increase in accrued interest receivable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjEtMi0xLTEtMA_2d86fa60-faf9-4680-a411-671df9b70cdb">743,757</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjEtNC0xLTEtMA_250b22c3-d219-449f-8411-797e8eda10fa">876,703</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjEtNi0xLTEtMA_d465d805-23c5-4c99-b4cb-20a00bbc82bc">963,885</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Increase in non-marketable securities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:IncreaseDecreaseInNonMarketableSecuritiesNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjItMi0xLTEtMA_9044bb59-ecf7-46f4-a52c-493f3f77d490">9,969</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:IncreaseDecreaseInNonMarketableSecuritiesNet" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjItNC0xLTEtMA_92fd386a-f1f0-4f97-aac5-01461848727f">839</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:IncreaseDecreaseInNonMarketableSecuritiesNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjItNi0xLTEtMA_b40e8fd1-3225-4f47-8e20-f3317d9c7a8e">10,700</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Decrease (increase) in other interest-earning assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:PaymentsForProceedsFromOtherInterestEarningAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjMtMi0xLTEtMA_5744292e-cd9b-4d75-94e9-f27e69902451">33,219</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:PaymentsForProceedsFromOtherInterestEarningAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjMtNC0xLTEtMA_597de72b-c68a-4152-9e26-320b3498a9fc">9,690</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:PaymentsForProceedsFromOtherInterestEarningAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjMtNi0xLTEtMA_076587f5-8081-483a-aeca-059a7eecc998">25,407</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Increase in other assets</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjUtMi0xLTEtMA_d6c329a6-079e-4d76-a6e4-444c599ca851">123,268</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjUtNC0xLTEtMA_178ba95a-1fa7-4753-988d-493cea6b5165">50,454</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjUtNi0xLTEtMA_52aa4866-f495-4051-80dc-89cb4d5ae368">3,091</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Increase (decrease) in income tax payable, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:IncreaseDecreaseinincometaxpayabletorelatedparty" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjYtMi0xLTEtMA_606c7f30-e811-4bed-a426-b9b6a7a245d9">72,191</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="slm:IncreaseDecreaseinincometaxpayabletorelatedparty" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjYtNC0xLTEtMA_0873c1d6-0613-49ba-9c26-9bf212d85a42">45,611</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="slm:IncreaseDecreaseinincometaxpayabletorelatedparty" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjYtNi0xLTEtMA_364e9225-9518-45f9-b1b0-543e5baa005d">30,191</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Decrease) increase in accrued interest payable</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInInterestPayableNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjctMi0xLTEtMA_d6bb0bf6-f84d-4cc9-96a9-a940ea980f7c">13,672</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInInterestPayableNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjctNC0xLTEtMA_f119e6f1-0f1e-4c91-9814-82a15ee97384">14,602</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:IncreaseDecreaseInInterestPayableNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjctNi0xLTEtMA_9e9d7939-5e6b-4a67-a1c6-7ce8c9965d70">13,817</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Decrease in Upromise member accounts due to sale</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:IncreaseDecreaseInAccountsReceivable" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjgtMi0xLTEtMA_cc902fc1-8617-44c2-98ca-2d07a1f61e81">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:IncreaseDecreaseInAccountsReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjgtNC0xLTEtMA_bd484e9b-8804-4822-8751-f8473b531329">193,840</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:IncreaseDecreaseInAccountsReceivable" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjgtNi0xLTEtMA_c0f5269e-5dff-45e3-877e-a4e1331c9a3a">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Increase in other liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjktMi0xLTEtMA_05dc4e78-44f0-4508-bd93-5603e8fc1573">2,801</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjktNC0xLTEtMA_d82493ee-935c-4a4f-8752-7db10e2a748a">80,785</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMjktNi0xLTEtMA_0b121c88-6da7-4358-b5ee-f5dd6c44f13d">5,386</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total adjustments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzAtMi0xLTEtMA_4ae0567e-a615-4cda-8837-2be93639a188">1,210,035</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzAtNC0xLTEtMA_64259f87-6f50-4fda-866b-037ec05fd46f">1,063,359</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzAtNi0xLTEtMA_e93e6032-021c-4982-9e2d-3dba78a7c257">593,917</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total net cash used in operating activities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzEtMi0xLTEtMA_254c3174-8831-424f-ac31-fe2a2fc3480a">49,522</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzEtNC0xLTEtMA_f55072d2-fd97-424a-9ebf-da029da1dd71">182,669</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzEtNi0xLTEtMA_da5fbb53-10d4-43f3-a8b8-db3e78f96d4f">15,641</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Investing activities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans acquired and originated</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:StudentLoansacquiredandoriginated" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzMtMi0xLTEtMA_145ee077-6f07-4d41-8ab6-f4e3348e2008">5,511,845</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:StudentLoansacquiredandoriginated" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzMtNC0xLTEtMA_9d4db4bc-4f0d-4fd8-ad26-ebe9c46fe1e9">5,378,283</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:StudentLoansacquiredandoriginated" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzMtNi0xLTEtMA_b9b13aa5-f351-41bf-b300-ae706e5d2b97">6,138,105</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net proceeds from sales of loans held for investment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:Netproceedsfromsalesofstudentloansheldforinvestment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzQtMi0xLTEtMA_015a0829-cd24-408e-9cb6-2fba437a290d">4,642,505</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:Netproceedsfromsalesofstudentloansheldforinvestment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzQtNC0xLTEtMA_121e5f6c-b81b-47ae-9918-cbab9160a4ad">3,875,737</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:Netproceedsfromsalesofstudentloansheldforinvestment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzQtNi0xLTEtMA_d3ef0652-9bbc-4aec-8cf3-82aa83536b2a">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Proceeds from claim payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:ProceedsfromClaimpayments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzUtMi0xLTEtMA_efda5b38-47e4-450b-b5cb-3437c8b42ad8">19,386</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:ProceedsfromClaimpayments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzUtNC0xLTEtMA_d8dd5121-2f65-4a6d-9f38-8ba5c0c4c776">28,709</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:ProceedsfromClaimpayments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzUtNi0xLTEtMA_ebedeec5-1494-4bc1-b7fd-07198d41b36f">42,869</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net decrease in loans held for investment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="slm:Netincreasedecreaseinloansheldforinvestment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzYtMi0xLTEtMA_16dc6ee4-d267-4835-bfec-1b1be7ca7e37">3,845,990</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="slm:Netincreasedecreaseinloansheldforinvestment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzYtNC0xLTEtMA_ac9bf5e7-1444-4dad-9083-b0b6009368a4">3,832,991</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="slm:Netincreasedecreaseinloansheldforinvestment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzYtNi0xLTEtMA_8b625169-b085-4932-98c9-edf6d17eb774">4,094,021</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases of available-for-sale securities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzctMi0xLTEtMA_839e01e2-7a69-4abc-84bb-a54f2d45fcc3">1,257,129</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzctNC0xLTEtMA_948c9bc0-ba8e-459c-a5b6-9dff0e047943">2,083,261</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzctNi0xLTEtMA_2fdafc14-4309-4b35-a068-b49181417197">356,414</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Proceeds from sales and maturities of available-for-sale securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzgtMi0xLTEtMA_7e9bff50-ce5c-4846-be4a-1c05d6a439b7">865,766</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzgtNC0xLTEtMA_5e4507e1-3b97-4b82-8b4b-2300ab0e2135">654,515</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzgtNi0xLTEtMA_14b4dd4b-48da-4bee-81aa-b1ce8bce9e2b">50,915</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Proceeds for sale of Upromise subsidiary, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:ProceedsFromSalesOfAssetsInvestingActivities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzktMi0xLTEtMA_806240fd-5f6f-47fd-93f5-42edb422f080">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:ProceedsFromSalesOfAssetsInvestingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzktNC0xLTEtMA_39825a53-a521-42e0-ad87-11c9b18e3585">16,922</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:ProceedsFromSalesOfAssetsInvestingActivities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfMzktNi0xLTEtMA_e479cb4e-46d3-4fae-bc44-e01ba612c17c">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total net cash provided by (used in) investing activities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDAtMi0xLTEtMA_49aae0ef-78fe-4905-8661-47531fe3b339">2,604,673</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDAtNC0xLTEtMA_f1ad5bc4-7bf0-4d0f-98ed-6f21e16f1815">947,330</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDAtNi0xLTEtMA_60cfeaec-12b3-4db4-9b28-900d7fcab7ac">2,306,714</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Financing activities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Brokered deposit placement fee</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:Cashpaidforbrokereddepositplacementfee" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDItMi0xLTEtMA_1249d8bd-dc8a-401d-b63d-749fd8ca3298">12,565</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:Cashpaidforbrokereddepositplacementfee" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDItNC0xLTEtMA_540f454f-b2de-4388-ad2f-eecdcc6feb86">4,810</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:Cashpaidforbrokereddepositplacementfee" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDItNi0xLTEtMA_bee278ba-3211-42fd-9e8e-6ce119258f0b">27,978</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (decrease) increase in certificates of deposit</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="slm:Netincreasedecreaseinbrokeredcertificatesofdeposit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDMtMi0xLTEtMA_6e456392-ba7c-4b41-84a2-37775aaec338">2,130,728</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="slm:Netincreasedecreaseinbrokeredcertificatesofdeposit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDMtNC0xLTEtMA_b26a9d56-a1a3-42d6-b8d9-acced11a6cc9">2,428,094</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:Netincreasedecreaseinbrokeredcertificatesofdeposit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDMtNi0xLTEtMA_baaab350-d66a-4ab8-8bbc-c49a8f31f39c">4,349,741</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net increase in other deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:NetincreaseinMMDAdeposits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDQtMi0xLTEtMA_3ec89703-8f17-4cbe-bb3a-7f31287d92c4">393,306</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:NetincreaseinMMDAdeposits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDQtNC0xLTEtMA_ca5971b7-66ba-4955-9060-6ecc247657d5">704,382</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Issuance costs for collateralized borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibb7b923b9b204baea934b22e3cc87980_D20210101-20211231" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDUtMi0xLTEtMA_6c0438a9-3714-485a-b693-e679ef62cb15">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i3e06bb58143b4c778620a5184d571110_D20200101-20201231" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDUtNC0xLTEtMA_50d4e8c1-708e-493d-9ac4-bd07722feeda">1,402</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i3a65212619ba4871a0d346ff83b96bf3_D20190101-20191231" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDUtNi0xLTEtMA_df2e3a9e-495f-4340-88b1-39f112f5762b">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowings collateralized by loans in securitization trusts - issued</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:BorrowingsCollateralizedByLoansInTrustIssued" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDYtMi0xLTEtMA_76d9b681-312d-44cc-b666-eeb1e0fafe32">1,585,125</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:BorrowingsCollateralizedByLoansInTrustIssued" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDYtNC0xLTEtMA_f7e7a626-0386-4a8f-9e1e-34f93ec21668">1,338,641</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:BorrowingsCollateralizedByLoansInTrustIssued" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDYtNi0xLTEtMA_57f16538-19f3-487a-a553-57fa804ab5a4">1,105,594</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowings collateralized by loans in securitization trusts - repaid</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:BorrowingsCollateralizedByLoansInTrustRepaid" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDctMi0xLTEtMA_62f93a27-39eb-48f3-ae71-68baf542b6af">1,143,738</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:BorrowingsCollateralizedByLoansInTrustRepaid" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDctNC0xLTEtMA_47421025-7447-4866-9583-5604a2640bd4">1,003,327</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:BorrowingsCollateralizedByLoansInTrustRepaid" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDctNi0xLTEtMA_92c458a5-6b19-431e-8334-62d879b9bff5">1,042,892</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowings under Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Repayment of borrowings under Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:RepaymentsOfCommercialPaper" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDktMi0xLTEtMA_ccd38757-f77b-4eeb-b59f-ae960fc80c68">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:RepaymentsOfCommercialPaper" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDktNC0xLTEtMA_e39a2ed9-5f79-467e-9c53-de94b3235a3b">289,230</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:RepaymentsOfCommercialPaper" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNDktNi0xLTEtMA_9346be3d-306a-4e13-af31-e6a26a9a0579">8,570</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fees paid - Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="slm:NetIncreaseDecreaseinUpfrontLoanFees" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTAtMi0xLTEtMA_f5229111-e269-41d8-9d3c-212ee713bccc">2,846</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="slm:NetIncreaseDecreaseinUpfrontLoanFees" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTAtNC0xLTEtMA_f2f0871c-33f5-43cd-af98-ac11e5d37a74">3,256</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="slm:NetIncreaseDecreaseinUpfrontLoanFees" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTAtNi0xLTEtMA_4285f7d9-20db-4c5b-b791-1d1e1a0785cf">1,116</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Issuance costs for unsecured debt offering</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i37eb920b79d449019d0dc679e78f7711_D20210101-20211231" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTEtMi0xLTEtMA_98d60949-8abf-4e65-8f57-8d23ec96983a">1,540</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i18bb140c9feb43e4ab2440ad09f9c9f7_D20200101-20201231" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTEtNC0xLTEtMA_4a331683-373f-4e21-bc39-eb81543eeb62">1,309</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie603e3aa94944b8d8de4d2c09651fa4b_D20190101-20191231" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTEtNi0xLTEtMA_d88d2779-cce9-4d0e-b38b-b4254a377c83">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unsecured debt issued</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfUnsecuredDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTItMi0xLTEtMA_c92c6dda-45e9-4869-af6b-b3eb33dd1b6f">492,135</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfUnsecuredDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTItNC0xLTEtMA_e31db56c-49eb-450e-9dcb-5bb4f55ce4b3">495,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfUnsecuredDebt" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTItNi0xLTEtMA_8bfb79af-f517-4c6e-833b-222fe4b3fd20">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unsecured debt repaid</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:RepaymentsOfUnsecuredDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTMtMi0xLTEtMzkzNzU_78dd933a-ea38-417b-8f78-1e764a6f3de5">202,784</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:RepaymentsOfUnsecuredDebt" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTMtNC0xLTEtMzkzNzU_7b3c0d66-e622-4c8d-8801-91afcd3d3142">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:RepaymentsOfUnsecuredDebt" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTMtNi0xLTEtMzkzNzU_ad06991f-3371-43c6-8877-350e475eec28">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-13</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:81.805%"><tr><td style="width:1.0%"></td><td style="width:64.944%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.648%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.596%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.648%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.256%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.648%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.260%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Preferred stock dividends paid</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTMtMi0xLTEtMA_0a79fa16-cdc2-488f-85bf-ac14f8f6d302">4,736</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTMtNC0xLTEtMA_4fd13469-96a0-48b5-ad03-90fd7cba91c9">9,734</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTMtNi0xLTEtMA_6efed8a6-a716-47b2-a93a-6139aa58c34a">16,837</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Repurchase of Series B Preferred Stock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfPreferredStockAndPreferenceStock" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTQtMi0xLTEtMA_92714d6f-c540-4d28-acd6-175ed8dc2faa">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:ProceedsFromIssuanceOfPreferredStockAndPreferenceStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTQtNC0xLTEtMA_07c4350c-aa62-46ae-be8b-032e489f62e5">68,055</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfPreferredStockAndPreferenceStock" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTQtNi0xLTEtMA_49731a4c-06a0-4668-8a06-c40506693e60">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common stock dividends paid</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:PaymentsOfDividendsCommonStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTUtMi0xLTEtMA_dcab7877-6b8b-4d6d-8963-53d968f65f9a">60,462</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:PaymentsOfDividendsCommonStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTUtNC0xLTEtMA_45e49d68-ce10-49db-8924-7b7915cf47ca">46,351</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:PaymentsOfDividendsCommonStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTUtNi0xLTEtMA_e2ec067c-7516-4862-8c27-15a4efae381d">51,114</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common stock repurchased</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTYtMi0xLTEtMA_dc43ad66-8755-49c5-9ea4-abb9c18dbbae">1,530,683</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTYtNC0xLTEtMA_3b9d7209-287d-4f11-8958-e8689930c4eb">558,167</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTYtNi0xLTEtMA_4dfa1724-006f-412b-ac8a-eb7f63418756">167,201</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net cash (used in) provided by financing activities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTctMi0xLTEtMA_cbea63f5-cb5e-47eb-9439-431cfb178f82">2,619,516</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTctNC0xLTEtMA_ac02bdb5-eef9-45ca-bdc3-188ed99f4c0d">1,875,712</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTctNi0xLTEtMA_30e24e06-db8f-4166-89cd-e9a8a793dbd9">5,361,220</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (decrease) increase in cash, cash equivalents and restricted cash</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTgtMi0xLTEtMA_18feb15a-ca85-4407-9ffe-e9ef37e76acc">64,365</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTgtNC0xLTEtMA_c842117f-31f4-4911-9b25-a97e22d97346">1,111,051</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTgtNi0xLTEtMA_5bc823d6-62f1-40f5-b159-85ff33e45287">3,038,865</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash, cash equivalents and restricted cash at beginning of year</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTktMi0xLTEtMA_386a1936-1b4f-45b7-a189-f56a7b00ef7c">4,609,709</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTktNC0xLTEtMA_ddd2099c-4de2-4638-8afb-a8aa355d15d6">5,720,760</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6363d3dada714b04a1034f162f4edee5_I20181231" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNTktNi0xLTEtMA_0707aa3b-336e-4efb-a345-fde6ff8948b3">2,681,895</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash, cash equivalents and restricted cash at end of year</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjAtMi0xLTEtMA_a399987b-6d67-418a-af64-91cb7e6f8072">4,545,344</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjAtNC0xLTEtMA_820f95f9-cada-4070-bfd3-7270637080c9">4,609,709</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjAtNi0xLTEtMA_75481a99-5bb9-40bc-a540-ddf6e69ed9ea">5,720,760</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash disbursements made for:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:InterestPaidNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjItMi0xLTEtMA_e0c78540-0a79-4e90-ac96-cec1f675f33f">359,684</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:InterestPaidNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjItNC0xLTEtMA_16898d2c-05e1-4655-a9fa-d59a91a007c5">517,444</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:InterestPaidNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjItNi0xLTEtMA_dc11a353-784d-4789-9d3f-67f25a874073">666,018</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income taxes paid</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:IncomeTaxesPaid" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjMtMi0xLTEtMA_9cac16ca-fff4-4156-8557-6a50466e11b6">261,473</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:IncomeTaxesPaid" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjMtNC0xLTEtMA_38c9a0fd-9668-470f-94a6-26bdd792d347">248,122</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:IncomeTaxesPaid" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjMtNi0xLTEtMA_367ed47c-6098-44ee-8602-e64c81c28d23">201,792</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income taxes refunded</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:ProceedsFromIncomeTaxRefunds" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjQtMi0xLTEtMA_bd07ca73-83d0-4a79-b92e-5e51c078d785">8,614</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:ProceedsFromIncomeTaxRefunds" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjQtNC0xLTEtMA_3656dd10-d7a3-4530-8993-d589eae43000">6,219</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:ProceedsFromIncomeTaxRefunds" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjQtNi0xLTEtMA_8001690a-3d53-410b-a073-83f65820848d">853</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Reconciliation of the Consolidated Statements of Cash Flows to the Consolidated Balance Sheets:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjYtNC0xLTEtMA_ebba52c5-8fbf-4e5f-8886-9817b6a85608">4,455,292</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjYtNi0xLTEtMA_2c5dd173-371c-4e17-bd5b-1d8d913b1efe">5,563,877</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Restricted cash</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjctMi0xLTEtMA_b4c5a076-a20f-4574-a2ad-96548de97e99">210,741</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjctNC0xLTEtMA_e86478db-cef5-4fbd-bd55-1cd80a6de15a">154,417</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjctNi0xLTEtMA_e93e12b8-cd4b-4603-9078-1c8df8016702">156,883</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total cash, cash equivalents and restricted cash</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjgtMi0xLTEtMA_4b2d87f8-cf3d-4d03-8b9e-0693360ceec0">4,545,344</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjgtNC0xLTEtMA_e4fdc410-1210-4904-bcc8-29eac892a66a">4,609,709</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF84OC9mcmFnOjI2ODdlNzY3NDljNzQwOWNhNmRkM2FlZTdlMTYwZDU5L3RhYmxlOmE5OTMxMDc3MWU1MDQ1NTk5ZDY1ZTY5ZTc4NGE3OWYxL3RhYmxlcmFuZ2U6YTk5MzEwNzcxZTUwNDU1OTlkNjVlNjllNzg0YTc5ZjFfNjgtNi0xLTEtMA_eec30bce-a36a-4e48-9f04-3438b528dbd9">5,720,760</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div style="margin-top:15pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">See accompanying notes to consolidated financial statements.</span></div><div id="i35472170320a48e7aebfc3743129a2e0_91"></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-14  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_94"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="margin-top:6pt;padding-left:18pt;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">1.</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%;padding-left:9.67pt"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85NC9mcmFnOjdiYmY5YjhhMDk3MjQ3OGU5Mjc5OTk5YWE0YzkyMTFjL3RleHRyZWdpb246N2JiZjliOGEwOTcyNDc4ZTkyNzk5OTlhYTRjOTIxMWNfMjQ2MQ_64779af1-83b3-4289-988a-de64a01f9cf2" continuedAt="ia02202ad14734404a4962e8f44040020" escape="true">Organization and Business </ix:nonNumeric></span></div><div style="text-indent:24.75pt"><span><br/></span></div><ix:continuation id="ia02202ad14734404a4962e8f44040020" continuedAt="i0b88984675c347638c615a54dfec47d2"><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">SLM Corporation (&#8220;Sallie Mae,&#8221; &#8220;SLM,&#8221; the &#8220;Company,&#8221; &#8220;we,&#8221; &#8220;our,&#8221; or &#8220;us&#8221;) is a holding company that operates through a number of subsidiaries and is the premier brand for college and continuous education. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While the Sallie Mae name has existed for more than 40 years, the company that operates as Sallie Mae today, SLM Corporation, was formed in late 2013 and includes its wholly-owned subsidiary, Sallie Mae Bank, an industrial bank established in 2005 (the &#8220;Bank&#8221;). On April 30, 2014, we legally separated (the &#8220;Spin-Off&#8221;) from another public company that is now named Navient Corporation (&#8220;Navient&#8221;), which is in the education loan management, servicing, asset recovery, and consolidation loan business. We are a consumer banking business and did not retain any assets or liabilities generated prior to the Spin-Off other than those explicitly retained by us. We sometimes refer to the company that existed prior to the Spin-Off as &#8220;pre-Spin-Off SLM.&#8221; </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank was formed in 2005 to fund and originate Private Education Loans (as hereinafter defined) on behalf of pre-Spin-Off SLM. While the Bank first originated Private Education Loans in February 2006, pre-Spin-Off SLM continued to purchase a portion of its Private Education Loans from third-party lending partners through mid-2009. With some minor exceptions, the Bank became the sole originator of Private Education Loans for pre-Spin-Off SLM beginning with the 2009-2010 academic year, the first academic year following the launch of the Bank&#8217;s Smart Option Student Loan program in mid-2009. </span></div></ix:continuation><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i0b88984675c347638c615a54dfec47d2">Our primary business is to originate and service loans we make to students and their families to finance the cost of their education. We use &#8220;Private Education Loans&#8221; to mean education loans to students or their families that are not made, insured, or guaranteed by any state or federal government. Private Education Loans do not include loans insured or guaranteed under the Federal Family Education Loan Program (&#8220;FFELP Loans&#8221;). The core of our marketing strategy is to generate Private Education Loan originations by promoting our products on campuses through the financial aid offices as well as through online and direct marketing to students and their families. The Bank is regulated by the Utah Department of Financial Institutions (the &#8220;UDFI&#8221;), the Federal Deposit Insurance Corporation (the &#8220;FDIC&#8221;), and the Consumer Financial Protection Bureau (the &#8220;CFPB&#8221;).</ix:continuation> </span></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-15</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_97"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="text-align:center"><span><br/></span></div><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div></div><div style="margin-top:6pt;padding-left:18pt;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">2.</span><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%;padding-left:9.67pt"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:SignificantAccountingPoliciesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NzM_fb840949-a5bb-484d-8458-0b996d6220b4" continuedAt="i8893b856a3d84b26a34b4dfbfd3ac9b4" escape="true">Significant Accounting Policies </ix:nonNumeric></span></div><ix:continuation id="i8893b856a3d84b26a34b4dfbfd3ac9b4" continuedAt="ibdce1e0bfcb0467e86d51da190f6ecbe"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:UseOfEstimates" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2MDU_6f36adb3-4703-4619-a4ca-d4d49310c21a" escape="true"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Use of Estimates and Assumptions</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The financial reporting and accounting policies of SLM Corporation conform to generally accepted accounting principles in the United States of America (&#8220;GAAP&#8221;). The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Key accounting policies that include significant judgments and estimates include the valuation of allowance for credit losses.</span></div></ix:nonNumeric><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ConsolidationPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NTA_fe78edd1-4753-4d55-a13b-af5a2e0338ea" continuedAt="ibecc449d6a2b4906abafe0781419b2e6" escape="true"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Consolidation</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The consolidated financial statements include the accounts of SLM Corporation and its majority-owned and controlled subsidiaries after eliminating the effects of intercompany accounts and transactions.</span></div></ix:nonNumeric><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="ibecc449d6a2b4906abafe0781419b2e6">We consolidate any variable interest entity (&#8220;VIE&#8221;) where we have determined we are the primary beneficiary.  The primary beneficiary is the entity which has both: (i) the power to direct the activities of the VIE that most significantly impact the VIE&#8217;s economic performance; and (ii) the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE.</ix:continuation>  </span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:CashAndCashEquivalentsPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2MDA_afa07da8-a3bc-404b-b22b-1c9fa182cf0c" continuedAt="idcc8f0e940df48c48134457536f3c551" escape="true">Cash and Cash Equivalents </ix:nonNumeric></span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="idcc8f0e940df48c48134457536f3c551">Cash and cash equivalents include cash held in the Federal Reserve Bank of San Francisco (the &#8220;FRB&#8221;) and commercial bank accounts, and other short-term liquid instruments with original maturities of three months or less. Fees associated with investing cash and cash equivalents are amortized into interest income using the effective interest rate method.</ix:continuation> </span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:InvestmentPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk3MjM_83e13fd5-d596-43cc-b5d7-6b7b6aa93baf" continuedAt="i8cf348d3133e4eee8052ffd32bf69f54" escape="true"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Trading Investments </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We periodically sell Private Education Loans through securitization transactions where we are required to retain a <ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTk0Mw_2826425f-4c9a-4836-bf06-3c572b448511">five</ix:nonFraction> percent vertical risk retention interest (i.e., <ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTk5NA_84ca51c8-261a-4a3d-9be8-ffb6e350156b">five</ix:nonFraction> percent of each class issued in the securitizations). We classified those vertical risk retention interests related to the transactions as available-for-sale investments, except for the interest in the residual classes, which we classified as trading investments recorded at fair value with changes recorded through earnings. </span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Available-for-Sale Investments</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investments consisted of mortgage-backed securities, Utah Housing Corporation bonds, and U.S. government-sponsored enterprises and Treasury securities. We record our investment purchases and sales on a trade date basis. The amortized cost of debt securities is adjusted for amortization of premiums and accretion of discounts, which are amortized using the effective interest rate method. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our investments are classified as available-for-sale and reported at fair value. Unrealized gains or losses on available-for-sale investments are recorded in equity and reported as a component of other comprehensive income (loss), net of applicable income taxes.  </span></div></ix:nonNumeric><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i8cf348d3133e4eee8052ffd32bf69f54">We assess unrealized losses on available-for-sale debt securities that we have the ability and intent to hold for a period of time sufficient to recover the amortized cost of the security, for the purpose of determining credit impairment. If any credit impairment exists, an allowance for losses is established for the amount of the unrealized loss that is determined to be credit-related.</ix:continuation> </span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:SecuritiesOwnedNotReadilyMarketablePolicy" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2Mjk_601097c1-b5a8-4c8c-8a58-3600ae727bfb" continuedAt="i98c4066729364bf5a342da67d90844d2" escape="true">Other Investments</ix:nonNumeric></span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i98c4066729364bf5a342da67d90844d2">We hold investments in non-marketable securities and account for these investments at cost, less impairment, plus or minus observable price changes of identical or similar securities of the same issuer.</ix:continuation>&#160; </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also invest in affordable housing projects that qualify for the low income housing tax credit (&#8220;LIHTC&#8221;), which is designed to promote private development of low income housing. These investments generate a return mostly through realization of federal tax credits. </span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-16  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Significant Accounting Policies (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="ibdce1e0bfcb0467e86d51da190f6ecbe" continuedAt="i67eea3f5f3864c8bbc4a55a16a6976ff"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:FinanceLoansAndLeasesReceivablePolicy" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk3MTY_3e487a4f-98b4-4af3-a60c-bf153022d3d6" escape="true"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loans Held for Investment</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans, consisting of Private Education Loans, FFELP Loans, and our suite of credit cards (&#8220;Credit Cards&#8221;) that we have the ability and intent to hold for the foreseeable future, are classified as held for investment, and are carried at amortized cost. Amortized cost includes the unamortized premiums, discounts, and capitalized origination costs and fees, all of which are amortized to interest income as discussed under &#8220;Loan Interest Income.&#8221; Loans which are held for investment are reported net of an allowance for credit losses.</span></div></ix:nonNumeric><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:LoansHeldForSalePolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NjU_246d751b-adcd-4bc9-a9c8-240ba686ff4c" escape="true"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loans Held for Sale</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any loans we have not classified as held for investment are classified as held-for-sale and are carried at the lower of cost or fair value. Loans are classified as held-for-sale when we have the intent and ability to sell such loans. Loans which are held-for-sale do not have the associated premium, discount, and capitalized origination costs and fees amortized into interest income. When a decision has been made to sell loans not previously classified as held for sale, such loans are transferred into the held-for-sale classification and carried at the lower of amortized cost basis (which excludes any allowance for credit losses) or fair value.  At the time of the transfer to the held-for-sale classification, any amount by which the amortized cost basis exceeds fair value is accounted for as a valuation allowance.  In addition, once a loan is classified as held-for-sale, we reverse any allowance for loan loss applicable to these loans.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As market conditions permit, we may sell or securitize loans as a source of financing for other loans. Due to varying structuring terms, certain transactions may qualify for sale treatment while others do not qualify for sale treatment and are recorded as financings. All of our education loans are initially categorized as held for investment. It is only when we have selected the loans to sell or securitize and the transaction qualifies as a sale that we transfer the loans into the held-for-sale classification and carry them at the lower of cost or fair value. If we anticipate recognizing a gain related to the impending securitization or sale, then the fair value of the loans is higher than their respective cost basis and no valuation allowance is recorded.</span></div></ix:nonNumeric><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:RestrictedCashandInvestmentsPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk3Mzc_9175a13f-7a6b-4b1c-83ee-a3b0395cb23c" continuedAt="i85c4aee7d14a472ead82725a7eb7621f" escape="true">Restricted Cash</ix:nonNumeric></span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i85c4aee7d14a472ead82725a7eb7621f">Restricted cash primarily includes amounts held in student loan securitization trusts and other secured borrowings. This cash must be used to make payments related to trust obligations. Amounts on deposit in these accounts are primarily the result of timing differences between when principal and interest is collected on the trust assets and when principal and interest is paid on trust liabilities.</ix:continuation> </span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk3MzI_d408aff8-c2af-4710-ae10-1043191a7005" continuedAt="i1efcfff629a34fe19d3ce791a0ba7d63" escape="true"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Adoption of CECL</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 1, 2020, we adopted the Financial Accounting Standards Board&#8217;s (&#8220;FASB&#8217;s&#8221;) Accounting Standard Update (&#8220;ASU&#8221;) No. 2016-13, &#8220;Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&#8221; (&#8220;CECL&#8221;). Under this guidance, for all loans carried at amortized cost, upon loan origination we are required to measure our allowance for credit losses based on our estimate of all current expected credit losses over the remaining contractual term of the assets. Updates to that estimate each period are recorded through provision expense. The estimate of loan losses must be based on historical experience, current conditions, and reasonable and supportable forecasts. The ASU does not mandate the use of any specific method for estimating credit loss, permitting companies to use judgment in selecting the approach that is most appropriate in their circumstances. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Adoption of the standard had a material impact on how we record and report our financial condition and results of operations, and on regulatory capital. <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMzg0ODI5MDg4NjM3NA_fd968321-745a-4dd1-9dc7-2a86547ffad4" continuedAt="i44f1e6c2b81c4d91a636392975573321" escape="true">The following table illustrates the impact of the cumulative effect adjustment made upon adoption of CECL on January 1, 2020:</ix:nonNumeric></span></div></ix:nonNumeric></ix:continuation><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-17</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Significant Accounting Policies (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i67eea3f5f3864c8bbc4a55a16a6976ff" continuedAt="i3cd81363d65e4d328cf5ad83ec1c85f7"><ix:continuation id="i1efcfff629a34fe19d3ce791a0ba7d63" continuedAt="i55b68e4c2590438780f4737ec3527276"><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><ix:continuation id="i44f1e6c2b81c4d91a636392975573321"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:63.611%"><tr><td style="width:1.0%"></td><td style="width:34.489%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.638%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.458%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.891%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.768%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.891%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.865%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">January 1, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As reported under CECL</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Pre-CECL Adoption</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Impact of CECL Adoption</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id570aeb3bafe478e99f748c2dd745a27_I20200101" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfNC0yLTEtMS0zNjA4NQ_f19eb633-72e6-4236-a3d2-e74765f3ce55">1,435,130</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1e3b55593064433282ba6ae18716fd32_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfNC00LTEtMS0zNjA4NQ_39036840-6b65-441f-bab4-376af074880e">374,300</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0a64522899b24680ae4d9a7f6bf6a547_I20200101" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfNC02LTEtMS0zNjA4NQ_9e1abc60-330f-4a21-83eb-d02c56bcce9b">1,060,830</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 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1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifdd894bc7eba48e0ae0c5739b979c7be_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfNS00LTEtMS0zNjA4NQ_fd6575b8-41cc-4a3e-9dc6-6cdaf4c4aab4">1,633</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib441441d64cd4567b9813c8b3e2fa9ef_I20200101" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfNS02LTEtMS0zNjA4NQ_27fa56f3-ce94-4d08-bd8e-6977b04fecaa">2,852</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i18b4fe7226c2467cbcd053d92d3e71cb_I20200101" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfNi0yLTEtMS0zNjA4NQ_6df9d163-55ff-49a6-9414-ae1ea8adb463">145,060</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibb0d9a1804ed4a1b900b35a756c6025f_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfNi00LTEtMS0zNjA4NQ_7626b8a6-dd63-4156-90c2-76498697df42">65,877</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9fcc509f61294edca733a67871a6c112_I20200101" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfNi02LTEtMS0zNjA4NQ_7c3bdd10-c748-49cf-b059-b7097c9abb16">79,183</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1b17cd74432f4f7f9ea4e14735f489ed_I20200101" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfNy0yLTEtMS0zNjA4NQ_06f795f3-f1cf-4662-b160-48c74aa4ad5b">290</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if279542334864b0ea58a67eb5f54f9d0_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfNy00LTEtMS0zNjA4NQ_71f26cc5-ce81-4e0a-ad75-64fc105fd227">102</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1d236c80731e45b7aeeeb2b8c06c356d_I20200101" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfNy02LTEtMS0zNjA4NQ_5e74ab55-aa2b-455a-a45e-934ab23c974f">188</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i40f5578a62574682a4aa435161b240a5_I20200101" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfOC0yLTEtMS0zNjA4NQ_a88f4c02-9f48-4507-bb05-3d3781bd67b7">1,584,965</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfOC00LTEtMS0zNjA4NQ_1ddb4fd5-bb87-4057-8dda-6ddce1529e2b">441,912</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6b59a93945f24ac8a504c5120f874144_I20200101" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax asset</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9719a2a582f943499756eb0aae78709b_I20200101" decimals="-3" name="us-gaap:DeferredIncomeTaxAssetsNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfMTAtMi0xLTEtMzYwODU_962c0c26-5f03-41fb-b52d-53c242a50fa1">415,540</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i99974d6ad3594c4abeac2202ab8a48e6_I20191231" decimals="-3" name="us-gaap:DeferredIncomeTaxAssetsNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfMTAtNC0xLTEtMzYwODU_c16c869a-4a53-4d25-a45a-b2e179c2fafb">109,369</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 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colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td 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style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i40f5578a62574682a4aa435161b240a5_I20200101" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfMTQtMi0xLTEtMzYwODU_d09e63e4-fce8-45fa-a253-8933f69a6e1d">118,239</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfMTQtNC0xLTEtMzYwODU_23ec7bfe-5bf1-4782-957a-83ee03eb59f1">2,481</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6b59a93945f24ac8a504c5120f874144_I20200101" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfMTQtNi0xLTEtMzYwODU_699c818b-b3bd-44e1-9b78-4b58dd0df1a3">115,758</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Equity:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Retained Earnings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i40f5578a62574682a4aa435161b240a5_I20200101" decimals="-3" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfMTctMi0xLTEtMzYwODU_55c6aef7-a197-4ffd-8546-ed5fd2f2df5b">897,873</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfMTctNC0xLTEtMzYwODU_8028d96e-0381-408d-be56-a765795d04f9">1,850,512</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6b59a93945f24ac8a504c5120f874144_I20200101" decimals="-3" sign="-" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RhYmxlOjg5N2U0YzRiMzFiZTQxYzVhMTk3Zjk0ZDM0NmJlYjk3L3RhYmxlcmFuZ2U6ODk3ZTRjNGIzMWJlNDFjNWExOTdmOTRkMzQ2YmViOTdfMTctNi0xLTEtMzYwODU_3df6cd05-5c97-4853-a5ca-52d6df480907">952,639</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></ix:continuation></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This transition adjustment shown above is inclusive of qualitative adjustments incorporated into our CECL allowance as necessary, to address any limitations in the models used. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopt</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">CECL during the 2020 calendar year, including the Bank, may elect to delay for two years, and then phase in over the following three years, the effects on regulatory capital of CECL relative to the incurred loss methodology. The Bank has elected to use this option. Therefore, the regulatory capital impact of the Bank&#8217;s transition adjustments recorded on January 1, 2020 from the adoption of CECL, and <ix:nonFraction unitRef="number" contextRef="id20fc74455a34abb9abff426f25b6ef6_I20200101" decimals="INF" name="slm:AdoptionOfNewAccountingPronouncementsPercentDeferred" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTA5OTUxMTc5MzM2OQ_9662e4a3-ea1b-4155-a9d4-804353e72118">25</ix:nonFraction> percent of the ongoing impact of CECL on the Bank&#8217;s allowance for credit losses, retained earnings, and average total consolidated assets, each as reported for regulatory capital purposes (collectively, the &#8220;adjusted transition amounts&#8221;), were deferred for the two-year period ending January 1, 2022. From January 1, 2022 to January 1, 2025, the adjusted transition amounts will be phased in for regulatory capital purposes at a rate of <ix:nonFraction unitRef="number" contextRef="id20fc74455a34abb9abff426f25b6ef6_I20200101" decimals="INF" name="slm:AdoptionOfNewAccountingPronouncementsPercentDeferred" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTA5OTUxMTc5MzgxMA_495e17f1-ae79-41e6-95d1-dfdf6e263195">25</ix:nonFraction> percent per year, with the phased-in amounts included in regulatory capital at the beginning of each year. For additional information, see Note 18, &#8220;Regulatory Capital.&#8221;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain an allowance for credit losses for the lifetime expected credit losses on loans in our portfolios, as well as for future loan commitments, at the reporting date. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In determining the lifetime expected credit losses on our Private Education Loan portfolio loan segments, we use a discounted cash flow model. This method requires us to project future principal and interest cash flows on our loans in those portfolios. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To estimate the future expected cash flows, we use a vintage-based model that considers life of loan loss expectations, prepayments (both voluntary and involuntary), defaults, recoveries, and any other adjustments deemed necessary, to determine the adequacy of the allowance at each balance sheet date. These cash flows are discounted at the loan&#8217;s effective interest rate to calculate the present value of those cash flows. Management adjusts the effective interest rate used to discount expected cash flows to incorporate expected prepayments. The difference between the present value of those cash flows and the amortized cost basis of the underlying loans is the allowance for credit losses. Entities that measure credit losses based on the present value of expected future cash flows are permitted to report the entire change in present value as credit loss expense, but may alternatively report the change in present value due to the passage of time as interest income. We have elected to report the entire change in present value as credit loss expense.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In determining the loss rates used for the vintage-based approach, we start with our historical loss rates, stratify the loans within each vintage, and then adjust the loss rates based upon economic factors forecasted over a reasonable and supportable forecast period. The reasonable and supportable forecast period is meant to represent the period in which we </span></div></ix:continuation></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-18  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Significant Accounting Policies (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i3cd81363d65e4d328cf5ad83ec1c85f7" continuedAt="ibb8cefadefec46f693defbaed8dd89b4"><ix:continuation id="i55b68e4c2590438780f4737ec3527276" continuedAt="i0385a39bfd6a4e11bde4752d8efbc62c"><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">believe we can estimate the impact of forecasted economic factors in our expected losses. At the end of the reasonable and supportable forecast period, we immediately revert our forecast of expected losses to our historical averages. We use a two-year reasonable and supportable forecast period, although this period is subject to change as our view evolves on our ability to reasonably forecast economic conditions to estimate future losses.  </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating our current expected credit losses, we use a combination of expected economic scenarios coupled with our historical experience to derive a base case adjusted for any qualitative factors (as described below). We also develop an adverse and favorable economic scenario. At each reporting date, we determine the appropriate weighting of these alternate scenarios based upon the current economic conditions and our view of the risks of alternate outcomes. This weighting of expectations is used in calculating our current expected credit losses recorded each period.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating recoveries, we use both estimates of what we would receive from the sale of defaulted loans as well as historical borrower payment behavior to estimate the timing and amount of future recoveries on charged-off loans.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use historical experience and economic forecasts to estimate future prepayment speeds. As with our loss forecasts, at the end of the two-year reasonable and supportable forecast for prepayments, we immediately revert to our historical long-term prepayment rates. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the above modeling approach, we also take certain other qualitative factors into consideration when calculating the allowance for credit losses. These qualitative factors include, but are not limited to, changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not already included in the analysis, and the effect of other external factors such as legal and regulatory requirements on the level of estimated current expected credit losses.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The evaluation of the allowance for credit losses is inherently subjective, as it requires material estimates that may be susceptible to significant changes. If actual future performance in delinquency, charge-offs, and recoveries is significantly different than estimated, or management assumptions or practices were to change, this could materially affect the estimate of the allowance for credit losses, the timing of when losses are recognized, and the related provision for credit losses on our consolidated statements of income.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When calculating our allowance for credit losses and liability for unfunded commitments, we incorporate several inputs that are subject to change period to period. These include, but are not limited to, CECL model inputs and any overlays deemed necessary by management. The most impactful CECL model inputs include: </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Economic forecasts;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Weighting of economic forecasts;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Prepayment speeds; and</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Recovery rates.</span></div></ix:continuation><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i0385a39bfd6a4e11bde4752d8efbc62c">Management overlays can encompass a broad array of factors not captured by model inputs, including but not limited to, changes in servicing policies, collection administrative practices, state law changes that could impact servicing and collection practices, and observed differences between forecasted and actual results.</ix:continuation> </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Below we describe in further detail our policies and procedures for the allowance for credit losses as they relate to our Private Education Loan, Credit Card, and FFELP Loan portfolios. During the third quarter of 2020, we sold our entire Personal Loan portfolio. </span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2MzY_cc5ae877-6bdf-413b-8288-acce561df0a2" continuedAt="iaaf29491604643ab8460ab37df7f5b3a" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Private Education Loan Losses - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the key assumptions/estimates described above, some estimates are unique to our Private Education Loan portfolio. Estimates are made on our Private Education Loans regarding when each borrower will separate from school. The cash flow timing of when a borrower will begin making full principal and interest payments is dependent upon when the student either graduates or leaves school. These dates can change based upon many factors. We receive information regarding projected graduation dates from a third-party clearinghouse. The separation from school date is updated quarterly based on updated information received from the clearinghouse.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, when we have a contractual obligation to fund a loan or a portion of a loan at a later date, we make an estimate regarding the percentage of this obligation that will be funded. This estimate is based on historical experience. For unfunded commitments, we recognize the related life of loan allowance as a liability. Once the loan is funded, that liability transfers to the allowance for Private Education Loan losses.</span></div></ix:nonNumeric></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-19</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Significant Accounting Policies (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="ibb8cefadefec46f693defbaed8dd89b4" continuedAt="ie257d29403a74130987c3a24f19b41bf"><ix:continuation id="iaaf29491604643ab8460ab37df7f5b3a" continuedAt="i2d0a2c38d14a4983a2c0425bb07a66ba"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Key Credit Quality Indicators - Private Education Loans - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We determine the collectability of our Private Education Loan portfolio by evaluating certain risk characteristics. We consider credit score at original approval and periodically refreshed/updated credit scores through the loan&#8217;s term, existence of a cosigner, loan status, and loan seasoning as the key credit quality indicators because they have the most significant effect on the determination of the adequacy of our allowance for credit losses. Credit scores are an indicator of the creditworthiness of borrowers and the higher the credit scores the more likely it is the borrowers will be able to make all of their contractual payments. Loan status affects the credit risk because a past due loan is more likely to result in a credit loss than a current loan. Additionally, loans in the deferred payment status have different credit risk profiles compared with those in current pay status. Loan seasoning affects credit risk because a loan with a history of making payments generally has a lower incidence of default than a loan with a history of making infrequent or no payments. The existence of a cosigner lowers the likelihood of default as well. We monitor and update these credit quality indicators in the analysis of the adequacy of our allowance for credit losses on a quarterly basis.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We collect on defaulted loans through a mix of in-house collectors, third-party collectors, and sales to third-parties. For December 31, 2021 and 2020, we used both an estimate of recovery rates from in-house collections as well as expectations of future sales of defaulted loans to estimate the timing and amount of future recoveries on charged-off loans.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Private Education Loans generally do not require borrowers to begin principal and interest repayment until at least six months after the borrowers have graduated or otherwise separated from school. Consequently, the loss estimates for these loans are generally low while the borrower is in school and then increase upon the end of the grace period after separation from school. At both December 31, 2021 and 2020, <ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="2" name="slm:PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTU1NjY_aabfe52d-3d2b-444c-94d3-72bf50ed7faa"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="slm:PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTU1NjY_d0c9a32c-8f9a-4110-9513-48c3c59b9d51">24</ix:nonFraction></ix:nonFraction> percent of the principal balance of the Private Education Loan portfolio was related to borrowers who were then in an in-school (fully deferred), grace, or other deferment status and not required to make payments. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our collection policies for Private Education Loans allow for periods of nonpayment for certain borrowers requesting an extended grace period upon leaving school or experiencing temporary difficulty meeting payment obligations. This is referred to as forbearance and is considered in estimating the allowance for credit losses. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As part of concluding on the adequacy of the allowance for credit losses for Private Education Loans, we review key allowance and loan metrics. The most relevant of these metrics considered are the allowance as a percentage of ending total loans, delinquency percentages, and forbearance percentages.</span></div></ix:continuation><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i2d0a2c38d14a4983a2c0425bb07a66ba">We consider a Private Education Loan to be delinquent if the borrower has not made a required payment prior to the 31st day after such payment was contractually due.</ix:continuation> </span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NDc_105357da-a8d7-456f-a8bc-af700e45290e" continuedAt="ic915fa0b0b6d444bacd3f22aa66749bc" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Troubled Debt Restructurings (&#8220;TDRs&#8221;) - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating the expected defaults for our Private Education Loans that are considered TDRs, we follow the same discounted cash flow process described above but use the historical loss rates related to past TDR loans. The appropriate gross loss rates are determined for each individual loan by evaluating loan maturity, risk characteristics, and macroeconomic conditions.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for our TDR portfolio is included in our overall allowance for Private Education Loans. Our TDR portfolio is comprised mostly of loans with interest rate reductions and loans with forbearance usage greater than three months, as further described below.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations, achieve better student outcomes, and increase the collectability of the loans. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. When we give a borrower facing financial difficulty an interest rate reduction, we temporarily reduce the rate (currently to <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="slm:LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTc4NTU_11d61db8-3103-4b6f-8458-12cf6e917f76">4.0</ix:nonFraction> percent) for a <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:FinancingReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNDM5ODA0NjY1MDYwMA_d3aee920-0446-4b11-9908-c1aa5e888197">two-year</ix:nonNumeric> period and, in the vast majority of cases, permanently extend the final maturity of the loan. The combination of these two loan term changes helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We classify a loan as a TDR due to forbearance using a two-step process. The first step is to identify a loan that was in full principal and interest repayment status and received more than <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTg0NDM_ea72b656-f153-46bb-a1e0-832b133e55fd">three months</ix:nonNumeric> of forbearance in a <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:LoansAndLeasesReceivablePeriodOfForbearance" format="ixt-sec:durmonth" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTg0NjY_a92c62dc-fc6c-4d87-8162-8bf2b5c86038">24</ix:nonNumeric>-month period; however, during the first <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:LoansAndLeasesReceivablePeriodAfterGracePeriodForForbearanceAllowance" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTg1MDk_cdb7ac9c-02c9-4301-9e1d-2aed12dceae1">nine months</ix:nonNumeric> after a loan had entered full principal and interest repayment status, we do not count up to the first <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTg2MTU_3a25906d-bd34-49ea-bee0-9f098c6e2871">six months</ix:nonNumeric> of forbearance received during that period against the three-month policy limit. The second step is to evaluate the creditworthiness of the loan by examining its most recent refreshed FICO score. Loans that have met the criteria in the first test and have a FICO score above a certain threshold (based on the most recent quarterly FICO </span></div></ix:nonNumeric></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-20  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Significant Accounting Policies (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="ie257d29403a74130987c3a24f19b41bf" continuedAt="ic93de45d5d404676b9daa6ef0770e2bb"><ix:continuation id="ic915fa0b0b6d444bacd3f22aa66749bc" continuedAt="if5a831a17cd642c8b5ac4c557b60f3e9"><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">score refresh) will not be classified as TDRs. Loans that have met the criteria in the first test and have a FICO score under the threshold (based on the most recent quarterly FICO score refresh) will be classified as TDRs.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A loan also becomes a TDR when it is modified to reduce the interest rate on the loan (regardless of when such modification occurs and/or whether such interest rate reduction is temporary). Once a loan qualifies for TDR status, it remains a TDR for allowance purposes for the remainder of its life. About half our loans that are considered TDRs involve a temporary forbearance of payments and do not change the contractual interest rate of the loan. As of both December 31, 2021 and 2020, approximately <ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="2" name="slm:LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTk2NzY_159c9e7f-eb97-43c9-9fbe-8814c7d2f1d3"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="slm:LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTk2NzY_4c0181e9-1557-41b1-b9c3-f1cdcdafdc8c">47</ix:nonFraction></ix:nonFraction> percent of TDRs were classified as such due to their forbearance status. For additional information, see Note 7, &#8220;Allowance for Credit Losses.&#8221;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 27, 2020, then President Trump signed into law the Coronavirus Aid, Relief, and Economic Security Act (the &#8220;CARES Act&#8221;), which, among other things, allows us to (i) elect to suspend the requirements under GAAP for loan modifications related to COVID-19 that would otherwise be categorized as TDRs, and (ii) suspend any determination of a loan modified as a result of the effects of COVID-19 as being a TDR, including impairment for accounting purposes. Furthermore, on December 27, 2020, the Consolidated Appropriations Act, 2021 (the &#8220;CAA&#8221;) was signed into law. The CAA provides for additional COVID-19 focused relief and extends certain provisions of the CARES Act. </span></div></ix:continuation><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="if5a831a17cd642c8b5ac4c557b60f3e9">We have elected to suspend TDR accounting for both forbearance and interest rate modifications of loans that occur as a result of COVID-19 for the applicable period of the CARES Act and CAA relief. The relief from TDR guidance applies to modifications of loans that were not more than 30 days past due as of December 31, 2019, and that occur during the period beginning on March 1, 2020, and ending on the earlier of (i) sixty days after the date on which the national emergency related to the COVID-19 outbreak is terminated, or (ii) January 1, 2022. We are continuing to apply TDR accounting to those loans that were more than 30 days past due as of December 31, 2019 and were subsequently modified.</ix:continuation>   </span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:AllowanceForPrivateEducationLoanLossesPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NjE_a4c96723-da46-4078-b5b4-1426bbe8f316" continuedAt="i2276e09ca66e4b8f8b1ae7ffd188234d" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Off-Balance Sheet Exposure for Contractual Loan Commitments - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When we approve a Private Education Loan at the beginning of an academic year, that approval may cover the borrowing for the entire academic year. As such, we do not always disburse the full amount of the loan at the time of such approval, but instead have a commitment to fund a portion of the loan at a later date (usually the start of the second semester or subsequent trimesters). We estimate expected credit losses over the contractual period in which we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by us. The discounted cash flow approach described above includes expected future contractual disbursements. The portion of the allowance for credit losses related to future disbursements is shown as a liability on the face of the balance sheet, and related provision for credit losses is reflected on the income statement.  </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Uncollectible Interest - 2021 and 2020</span></div></ix:nonNumeric><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i2276e09ca66e4b8f8b1ae7ffd188234d">The majority of the total accrued interest receivable on our Private Education Loan portfolio represents accrued interest on deferred loans where no payments are due while the borrower is in school and on fixed-pay loans where the borrower makes a $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNDM5ODA0NjY1MDYwMg_b92b83ce-34a0-4708-9652-783136a5f252">25</ix:nonFraction> monthly payment that is smaller than the interest accrued on the loan in that month. The accrued interest on these loans will be capitalized and increase the unpaid principal balance of the loans when the borrower exits the grace period after separation from school. The discounted cash flow approach described above considers both the collectability of principal as well as this portion of accrued interest that is expected to capitalize to the balance of the loan. Therefore, the allowance for this portion of accrued interest balance is included in our allowance for credit losses. The discounted cash flow approach does not consider interest accrued on loans that are in a full principal and interest repayment status or in interest-only repayment status. We separately capture the amount of expected uncollectible interest associated with these loans using historical experience to estimate the uncollectible interest for the next four months at each period-end date. This amount is recorded as a reduction of interest income. Accrued interest receivable is separately disclosed on the face of the balance sheet.</ix:continuation> </span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:AllowanceForCreditCardLoansPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNDM5ODA0NjY1MDYyOQ_748d7f96-be34-4253-8378-d39c65d02ba0" continuedAt="i805375bc569d4cabb740f3c38318e21e" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Card Loans - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use the gross loss approach when estimating the allowance for credit losses for our Credit Card portfolio. Because our Credit Card portfolio is new and we do not have sufficient historical loss experience, we use estimated loss rates reported by other financial institutions to estimate our allowance for credit losses for Credit Cards, net of expected recoveries. In addition, we use a model that utilizes purchased credit card information with risk characteristics similar to those of our own portfolio as a challenger model. We then consider any qualitative factors that may change our future expectations of losses.</span></div></ix:nonNumeric><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i805375bc569d4cabb740f3c38318e21e">As all of our Credit Card loans are unconditionally cancelable by us, the issuer, we do not record any estimate of credit losses for unused portions of our Credit Card commitments.</ix:continuation> </span></div></ix:continuation><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-21</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Significant Accounting Policies (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="ic93de45d5d404676b9daa6ef0770e2bb" continuedAt="i666dab21eeff4f769af82104723b910e"><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for FFELP Loan Losses - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FFELP Loans are insured as to their principal and accrued interest in the event of default, subject to a risk-sharing level based on the date of loan disbursement. These insurance obligations are supported by contractual rights against the United States. For loans disbursed on or after July 1, 2006, we receive <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="slm:PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMjQ5NTY_9d9fec6c-bf68-4392-9c11-c36b3158b95a">97</ix:nonFraction> percent reimbursement on all qualifying claims.  For loans disbursed after October 1, 1993, and before July 1, 2006, we receive <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="slm:PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMjUwODc_7be3568b-94c3-451d-9e6c-00ad759bedb9">98</ix:nonFraction> percent reimbursement on all qualifying claims. For loans disbursed prior to October 1, 1993, we receive <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="slm:PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMjUxOTU_61e42e0d-b0be-4c40-869a-58f8087146a3">100</ix:nonFraction> percent reimbursement. Because we bear a maximum of <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="slm:PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" format="ixt-sec:numwordsen" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNDM5ODA0NjY3NDg0OA_79783ec9-463a-4895-b809-07f1905e1603">three</ix:nonFraction> percent loss exposure due to this federal guarantee, our allowance for credit losses for FFELP Loans and related periodic provision expense are relatively small.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use the gross loss approach when estimating the allowance for credit losses for the unguaranteed portion of our FFELP Loans. We maintain an allowance for credit losses for our FFELP Loans at a level sufficient to cover lifetime expected credit losses. The allowance for FFELP Loan losses uses historical experience of customer default behavior. We apply the default rate projections, net of applicable risk sharing, to our FFELP Loans for the current period to perform our quantitative calculation. Once the quantitative calculation is performed, we review the adequacy of the allowance for credit losses and determine if qualitative adjustments need to be considered.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses - 2019</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to January 1, 2020, we maintained an allowance for credit losses at an amount sufficient to absorb probable losses incurred in our portfolios, as well as regarding future loan commitments, at the reporting date based on a projection of estimated probable credit losses incurred in the portfolio. We considered a loan to be impaired when, based on current information, a loss had been incurred and it was probable that we would not receive all contractual amounts due. When making our assessment as to whether a loan was impaired, we also took into account more than insignificant delays in payment. We generally evaluated impaired loans on an aggregate basis by grouping similar loans.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We analyzed our portfolios to determine the effects that the various stages of delinquency and forbearance had on borrower default behavior and ultimate charge off.  We estimated the allowance for credit losses for our loan portfolios using a roll rate analysis of delinquent and current accounts. A &#8220;roll rate analysis&#8221; is a technique used to estimate the likelihood that a loan receivable may progress through the various delinquency stages and ultimately charge off. We also took into account the current and future economic environment and certain other qualitative factors when calculating the allowance for credit losses.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The evaluation of the allowance for credit losses is inherently subjective, as it required material estimates that may be susceptible to significant changes. Our default estimates were based on a loss emergence period of one year for Private Education Loans, Personal Loans, and Credit Cards and two years for FFELP Loans. A loss emergence period represents the expected period between the first occurrence of an event likely to cause a loss on a loan and the date the loan is expected to be charged off, taking into consideration account management practices that affect the timing of a loss, such as the usage of forbearance. The loss emergence period underlying the allowance for credit losses was subject to a number of assumptions. If actual future performance in delinquency, charge-offs, and recoveries was significantly different than estimated, or account management assumptions or practices were to change, this could materially affect the estimate of the allowance for credit losses, the timing of when losses were recognized, and the related provision for credit losses on our consolidated statements of income.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We utilized various models to determine an appropriate allowance for credit losses. Changes to model inputs were made as deemed necessary. The models were reviewed and validated periodically.  </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Below we describe in further detail our policies and procedures for the allowance for credit losses in 2019 as they relate to our Private Education Loan, Personal Loan, FFELP Loan portfolios and Credit Cards.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Allowance for Private Education Loan Losses - 2019</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to January 1, 2020, in determining the allowance for credit losses on our Private Education Loans that are not TDRs, we estimated the principal amount of loans that would default over the next year (one year being the expected period between a loss trigger event and default) using a roll rate model and how much we expected to recover over the same one-year period related to the defaulted amount. The expected defaults less our expected recoveries adjusted for any qualitative factors (discussed below) equaled the allowance related to this portfolio. Our historical experience indicates that, on average, the time between the date that a customer experiences a default causing event (i.e., the loss trigger event) and the date that we charge off the unrecoverable portion of that loan is one year.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating both the non-TDR and TDR allowance amounts, we started with historical experience of customer delinquency and default behavior. We made judgments about which historical period to start with and then made further judgments about whether that historical experience was representative of future expectations and whether additional </span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-22  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Significant Accounting Policies (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i666dab21eeff4f769af82104723b910e" continuedAt="if0a11d7d826a4a28850868a925d51033"><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">adjustments may be needed to those historical default rates. We also took certain other qualitative factors into consideration when calculating the allowance for credit losses. These qualitative factors included, but were not limited to, changes in the economic environment, changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not already included in the analysis, and the effect of other external factors, such as legal and regulatory requirements, on the level of estimated credit losses.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain Private Education Loans do not require borrowers to begin repayment until at least six months after they have graduated or otherwise separated from school. Consequently, the loss estimates for these loans were generally low while the borrower was in school.  As this population of borrowers left school, they would be required to begin payments on their loans, and the allowance for losses could change accordingly.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Similar to the rules governing FFELP payment requirements, our collection policies allow for periods of nonpayment for borrowers requesting additional payment grace periods upon leaving school or experiencing temporary difficulty meeting payment obligations. This is referred to as forbearance status and was considered separately in the allowance for credit losses. The loss emergence period was in alignment with the typical collection cycle and took into account these periods of nonpayment.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As part of concluding on the adequacy of the allowance for credit losses, we reviewed key allowance and loan metrics. The most relevant of these metrics considered were the allowance coverage of net charge-offs ratio; the allowance as a percentage of ending total loans and of ending loans in repayment; and delinquency and forbearance percentages.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We consider a loan to be delinquent if the borrower has not made a required payment prior to the 31st day after such payment was contractually due. We used a model to estimate the amount of uncollectible accrued interest on Private Education Loans and reserved for that amount against current period interest income.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our non-TDR allowance for credit losses was estimated using an analysis of delinquent and current accounts. Our roll rate model was used to estimate the likelihood that a loan receivable may progress through the various delinquency stages and ultimately charge off. Once a charge-off forecast was estimated, a recovery assumption was layered on top.  In estimating recoveries, we used both estimates of what we would receive from the sale of defaulted loans as well as historical borrower payment behavior to estimate the timing and amount of future recoveries on charged-off loans.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The roll rate analysis model was based upon actual experience using the 120 day charge-off default aversion strategies.  Once the quantitative calculation was performed, we reviewed the adequacy of the allowance for credit losses and determined if qualitative adjustments needed to be considered.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Personal Loans - 2019</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to January 1, 2020, we maintained an allowance for Personal Loan losses at an amount sufficient to absorb losses estimated and viewed at the reporting date as probable credit losses to be incurred in the portfolio. In determining the allowance for credit losses on our Personal Loan portfolio that were not TDRs, we estimated the principal amount of the loans that would default over the next twelve months (twelve months being the expected period between a loss trigger event and default) and how much we expected to recover over the same twelve-month period related to the defaulted amounts. The expected defaults less our expected recoveries adjusted for any qualitative factors equaled the allowance related to this portfolio. At December 31, 2019, there were no Personal Loans classified as TDRs.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Troubled Debt Restructurings - 2019</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Separately, for our TDR portfolio, we estimated an allowance amount sufficient to cover life-of-loan expected losses through an impairment calculation based on the difference between the loan&#8217;s basis and the present value of expected future cash flows (which would include life-of-loan default and recovery assumptions) discounted at the loan&#8217;s original effective interest rate. Our TDR portfolio is comprised mostly of loans with interest rate reductions and loans with forbearance usage greater than three months during a 24-month period, as further described above.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for FFELP Loan Losses - 2019</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FFELP Loans are insured as to their principal and accrued interest in the event of default subject to a risk-sharing level based on the date of loan disbursement. These insurance obligations are supported by contractual rights against the United States. For loans disbursed on or after July 1, 2006, we receive <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="slm:PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTA5OTUxMTgwMzMxNg_c9ed3517-0ca6-4b25-a376-3302158523ae">97</ix:nonFraction> percent reimbursement on all qualifying claims.  For loans disbursed after October 1, 1993, and before July 1, 2006, we receive <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="slm:PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTA5OTUxMTgwMzQ0OA_e1daa2f7-6c0f-4440-8dfe-565fc1ad83a3">98</ix:nonFraction> percent reimbursement. For loans disbursed prior to October 1, 1993, we receive <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="slm:PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTA5OTUxMTgwMzUzMg_035b991b-7610-4614-b5a5-e56637f75db9">100</ix:nonFraction> percent reimbursement.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The 2019 allowance for FFELP Loan losses used historical experience of customer default behavior and a two-year loss emergence period to estimate the credit losses incurred in the loan portfolio at the reporting date. We applied the </span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-23</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Significant Accounting Policies (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="if0a11d7d826a4a28850868a925d51033" continuedAt="i1cb4e56818d3487f852d7bed6932915e"><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">default rate projections, net of applicable risk sharing, to each category for the relevant period to perform our quantitative calculation. Once the quantitative calculation was performed, we reviewed the adequacy of the allowance for credit losses and determined if qualitative adjustments needed to be considered.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Card Loans - 2019</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The 2019 allowance for Credit Card losses was management&#8217;s estimate of credit losses inherent in the Credit Card portfolio at the relevant balance sheet date. The allowance for Credit Card losses used historical loss rates for accounts with similar characteristics (based on industry data) as a reasonable basis to estimate future losses. At December 31, 2019, there were no Credit Cards classified as TDRs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:DepositsPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NjY_4f6008df-6b27-44d9-924c-ad5c9ad16a67" continuedAt="ib75a6929c61a4ec285513bdfff9bae3c" escape="true"><div style="margin-top:11pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Deposits</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our retail deposit accounts are principally certificates of deposit (&#8220;CDs&#8221;), money market deposit accounts (&#8220;MMDAs&#8221;), and high-yield savings (&#8220;HYS&#8221;) accounts. CDs are accounts that have a stipulated maturity and interest rate. Retail CDs may be withdrawn early, but a penalty is assessed. MMDA and HYS accounts are both interest and non-interest bearing accounts that have no maturity or expiration date. For retail MMDA and HYS accounts, the depositor may be required to give written notice of any intended withdrawal not less than <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:DepositsPeriodofNotificationforWithdrawal" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMzY5ODk_1385e43e-eec8-414d-bab6-78d5632e7f16">seven days</ix:nonNumeric> before the withdrawal is made.&#160;</span></div></ix:nonNumeric><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="ib75a6929c61a4ec285513bdfff9bae3c">The Bank also includes brokered CDs in its funding base.&#160;Early withdrawal of brokered CDs is prohibited (except in the case of death or legal incapacity). Other deposit accounts include large interest-bearing omnibus accounts deposited in the Bank by commercial entities having custodial responsibilities for many underlying accounts.&#160;These omnibus accounts may be structured with or without fixed maturities, and may have fixed or variable interest rates.</ix:continuation> &#160;</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:FairValueOfFinancialInstrumentsPolicy" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2MDI_7c8fa300-0293-4e20-b725-58795abb2412" continuedAt="i93a3effd848044dbb21b40dcbb3351a2" escape="true"><div style="margin-top:11pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Fair Value Measurement</span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use estimates of fair value in applying various accounting standards for our financial statements. Fair value measurements are used in one of four ways:</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the consolidated balance sheet with changes in fair value recorded in the consolidated statement of income;</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the consolidated balance sheet with changes in fair value recorded in the accumulated other comprehensive income section of the consolidated statement of changes in equity;</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the consolidated balance sheet for instruments carried at lower of cost or fair value with impairment charges recorded in the consolidated statement of income; and</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the notes to the consolidated financial statements.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair value is defined as the price to sell an asset or transfer a liability in an orderly transaction between willing and able market participants. In general, our policy in estimating fair value is to first look at observable market prices for identical assets and liabilities in active markets, where available. When these are not available, other inputs are used to model fair value such as prices of similar instruments, yield curves, volatilities, prepayment speeds, default rates, and credit spreads (including for our liabilities), relying first on observable data from active markets. Depending on current market conditions, additional adjustments to fair value may be based on factors such as liquidity, credit, and bid/offer spreads. Transaction costs are not included in the determination of fair value. When possible, we seek to validate the model&#8217;s output to market transactions. Depending on the availability of observable inputs and prices, different valuation models could produce materially different fair value estimates. The values presented may not represent future fair values and may not be realizable.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We categorize our fair value estimates based on a hierarchical framework associated with three levels of price transparency utilized in measuring financial instruments at fair value. Classification is based on the lowest level of input that is significant to the fair value of the instrument. The three levels are as follows:</span></div><div style="margin-top:9pt;padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 1 &#8212; Quoted prices (unadjusted) in active markets for identical assets or liabilities that we have the ability to access at the measurement date. The types of financial instruments included in level 1 are highly liquid instruments with quoted prices.</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 2 &#8212; Inputs from active markets, other than quoted prices for identical instruments, are used to determine fair value. Significant inputs are directly observable from active markets for substantially the full term of the asset or liability being valued.</span></div></ix:nonNumeric><div style="padding-left:31.5pt;text-indent:-18pt"><ix:continuation id="i93a3effd848044dbb21b40dcbb3351a2"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 3 &#8212; Pricing inputs significant to the valuation are unobservable. Inputs are developed based on the best information available. However, significant judgment is required by us in developing the inputs.</span></ix:continuation><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-24  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Significant Accounting Policies (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i1cb4e56818d3487f852d7bed6932915e" continuedAt="i83b80ab61c9e4a9dbd6e252558b3a63f"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNDM5ODA0NjY1MDYzMA_9f7b0f20-19c7-40ea-90c1-64c6f950b4aa" continuedAt="ia0b32633d578471383f0cc7f98221a40" escape="true"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loan Interest Income</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For all loans, including impaired loans (regardless of the delinquency status of the impaired loans), classified as held for investment, we recognize interest income as earned, adjusted for the amortization of deferred direct origination and acquisition costs. Deferred fees or costs are required to be recognized as yield adjustments over the life of the related loans and are recognized by the interest method. The objective of the interest method is to arrive at periodic interest income (including recognition of fees and costs) at a constant effective yield on the net investment in the receivable (i.e., the principal amount of the receivable adjusted by unamortized fees or costs, purchase premium or discount, and any hedging activity&#8212;these unamortized costs will collectively be referred to as &#8220;basis adjustments&#8221;). The difference between the periodic interest income so determined and the interest income determined by applying the stated interest rate to the outstanding principal amount of the receivable is the amount of periodic amortization of deferred direct origination and acquisition costs. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the amortization of the basis adjustments, we determine the constant effective yield necessary to apply the interest method based upon the contractual terms of the loan contract, with no consideration given to expected prepayments. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For fixed-rate loans, when a prepayment occurs the unamortized balance of the basis adjustments is adjusted so that future amortization (based upon the contractual terms of the loan) will result in a constant effective yield equal to the original effective interest rate. Prepayments do not result in a change in the effective interest rate of the loan. We determine the contractual payments on a pool basis; as such, when a prepayment occurs, future contractual payments will be determined assuming the pool will make smaller payments through the original term of the contract. The adjustment to the unamortized basis adjustment balance is recorded in interest income.   </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For variable-rate loans, the effective interest rate at the time of origination is the loan&#8217;s effective interest rate assuming all future contractual payments. The effective interest rate remains the same for that loan until the loan rate changes.  If there is no prepayment and no change in the stated interest rate, the periodic amortization of the basis adjustments is equal to the difference between the effective interest rate multiplied by the book basis and the contractual interest due. We determine the contractual payments on a pool basis; as such, when a prepayment occurs, future contractual payments will be determined assuming the pool will make smaller payments through the original term of the contract. The adjustment to the unamortized basis adjustment balance is recorded in interest income.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When the interest rate on a variable-rate loan changes, the effective interest rate is recalculated using the same methodology described in the previous paragraph; however, the future contractual payments are changed to reflect the new interest rate. There is no forecasting of future expected changes in interest rates.  The accounting basis used to determine the effective interest rate of the cash flows is equal to the balances of the unpaid principal balance and unamortized basis adjustments at the time of the rate change.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also pay to the U.S. Department of Education (the &#8220;DOE&#8221;) an annual <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="INF" name="slm:ConstantPrepaymentFeeVariableRate" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNDM3NDI_2f355298-6763-4679-b0ce-9dec28ba17ac">105</ix:nonFraction> basis point Consolidation Loan Rebate Fee on FFELP consolidation loans, which is netted against loan interest income. Additionally, interest earned on education loans reflects potential non-payment adjustments in accordance with our uncollectible interest recognition policy. We do not amortize any adjustments to the basis of loans when they are classified as held-for-sale.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With the adoption of CECL on January 1, 2020, we continue to analyze the collectability of accrued interest associated with loans not currently in full principal and interest repayment status or interest-only repayment status as discussed above; however, we have changed the recognition of the allowance for this portion of uncollectible interest (amounts to be capitalized after separation from school and the expiration of the grace period) to the provisions for credit losses from our historical practice of recording it as a reduction of interest income, as well as classifying this allowance as part of our allowance for credit losses as opposed to our historical practice of recording it as a reduction of accrued interest income receivable.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for the portion of uncollectible interest on loans making full interest payments will continue to be recorded as a reduction of interest income. As we maintain an allowance for uncollectible interest on loans making full interest payments and an allowance for credit losses for the interest on loans where all, or a portion of the interest, will be capitalized in the future, we do not place loans in nonaccrual status prior to charge-off. At December 31, 2021 and 2020, we had <ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="0" name="slm:LoansinNonaccrualStatus" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMzg0ODI5MDg4NjMyMw_591cc284-2a45-46c9-8f71-cafffa2acce0"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="slm:LoansinNonaccrualStatus" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMzg0ODI5MDg4NjMyMw_955fe720-a3d4-4598-b597-b8d67a0c61da">no</ix:nonFraction></ix:nonFraction> loans in nonaccrual status.</span></div></ix:nonNumeric><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="ia0b32633d578471383f0cc7f98221a40">We recognize certain fee income (primarily late fees) on all loans when earned according to the contractual provisions of the promissory notes, as well as our expectation of collectability. Fee income is recorded when earned in &#8220;other non-interest income&#8221; in the accompanying consolidated statements of income.</ix:continuation> </span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-25</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Significant Accounting Policies (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i83b80ab61c9e4a9dbd6e252558b3a63f" continuedAt="ie2f69d77453b4f328234389f1dee5a36"><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:InterestExpensePolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NDI_144625c0-dcb4-421c-bb3d-3a6909e269e6" continuedAt="i98ebed04b9914ad48e03989ead8817f4" escape="true">Interest Expense</ix:nonNumeric></span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i98ebed04b9914ad48e03989ead8817f4">Interest expense is based upon contractual interest rates adjusted for the amortization of issuance costs. We incur interest expense on interest-bearing deposits comprised of non-maturity savings deposits, brokered and retail CDs, and brokered and retail MMDAs, as well as on unsecured and secured financings. &#160;Interest expense is recognized when amounts are contractually due to deposit and debt holders and is adjusted for net payments/receipts related to interest rate swap agreements that qualify and are designated hedges of interest-bearing liabilities. &#160;Interest expense also includes the amortization of deferred gains and losses on closed hedge transactions that qualified as hedges.  Amortization of debt issuance costs, premiums, discounts, and terminated hedge-basis adjustments are recognized using the effective interest rate method. We incur certain fees related to our Private Education Loan multi-lender secured borrowing facility (the &#8220;Secured Borrowing Facility&#8221;), including an unused Secured Borrowing Facility fee, and also incur fees related to our term asset-backed securities (&#8220;ABS&#8221;). These fees are included in interest expense.</ix:continuation>  Refer to Note 10, &#8220;Deposits,&#8221; and Note 11, &#8220;Borrowings&#8221; for further details of our interest-bearing liabilities.</span></div><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NTk_6c0c1be4-6aca-4e36-9b48-1c046b140ee7" continuedAt="i70ae036e3f4f436ba9b2a077838c9435" escape="true">Gains on Sale of Loans, Net</ix:nonNumeric></span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i70ae036e3f4f436ba9b2a077838c9435">We may participate and sell loans to third-parties and affiliates, including entities that were related parties prior to the Spin-Off. These sales may occur through whole loan sales or securitization transactions that qualify for sales treatment.  If a transfer of loans qualifies as a sale, we derecognize the loan and recognize a gain or loss as the difference between the carry basis of the loan sold and liabilities retained and the compensation received. We recognize the results of a transfer of loans based upon the settlement date of the transaction. These loans were initially recorded as held for investment and were transferred to held-for-sale immediately prior to sale or securitization.</ix:continuation> </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2021, we recognized $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMzg0ODI5MDg1OTg2OQ_abd52efc-659b-4858-ad53-0fd4f6ae1c87">548</ix:nonFraction>&#160;million in gains from the sale of approximately $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-7" name="us-gaap:ProceedsFromSaleOfLoansReceivable" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMzg0ODI5MDg1OTg3MQ_56477849-940b-4c8a-94ad-7b675932b653">4.24</ix:nonFraction>&#160;billion of our Private Education Loans, including $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-7" name="slm:NetProceedsFromSalesOfStudentLoansHeldForSalePrincipal" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMzg0ODI5MDg1OTg4NQ_462c3203-849a-42b3-a127-b86c518f76d3">3.98</ix:nonFraction>&#160;billion of principal and $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="slm:NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMzg0ODI5MDg1OTg5OQ_401cfdfd-7191-4902-837a-3b3fac094197">264</ix:nonFraction>&#160;million in capitalized interest, to unaffiliated third parties.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2020, we recognized $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTA5OTUxMTc5Mzk2NQ_233915e5-dc3d-46de-aff0-0690a133e586">238</ix:nonFraction>&#160;million in gains from the sale of approximately $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-8" name="us-gaap:ProceedsFromSaleOfLoansReceivable" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNDc1Mjk_20bee91e-1dcc-41df-bf3d-82e09054dc4a">3.1</ix:nonFraction>&#160;billion of our Private Education Loans, including $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-8" name="slm:NetProceedsFromSalesOfStudentLoansHeldForSalePrincipal" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNDc1NzQ_aa396be9-3b29-4ffb-8ff2-6a502b0a765d">2.9</ix:nonFraction>&#160;billion of principal and $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="slm:NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNDc1OTE_e02bee87-b285-4079-89d2-75afff808d92">199</ix:nonFraction>&#160;million in capitalized interest, to unaffiliated third parties. We did not sell loans in 2019.</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:OtherIncomePolicyPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2Mzg_8b59499d-77ef-4f49-9de4-644045d4daf0" continuedAt="ic8362bbc87394d21aef6e4b14fd1e881" escape="true"><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other Income </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Included in other income are late fees on both Private Education Loans and FFELP Loans, which we recognize when the cash has been received, fees related to our Credit Card program, income for servicing private student loans for third-parties, and changes to our tax indemnification receivable from Navient.</span></div></ix:nonNumeric><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="ic8362bbc87394d21aef6e4b14fd1e881">Our former Upromise subsidiary had a number of programs that encouraged consumers to save for the cost of college education. We had established a consumer savings network, which was designed to promote college savings by consumers who were members of this program by encouraging them to purchase goods and services from the merchants that participated in the program. Participating merchants generally paid Upromise fees based on member purchase volume, either online or in stores, depending on the contractual arrangement with the merchant. We recognized revenue as marketing and administrative services were rendered, based upon contractually determined rates and member purchase volumes. On May 31, 2020, we sold our Upromise subsidiary to a third party, resulting in the loss of revenue from that business for the second half of 2020.</ix:continuation>  </span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk3MDc_4e126e07-3bc8-49be-a6f5-8bd9346d5611" continuedAt="ic640efba2eb141cf8168bd91911b7e73" escape="true"><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Securitization Accounting</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our securitization transactions use a two-step structure with a special purpose entity VIE that legally isolates the transferred assets from us in the event of bankruptcy or receivership. Transactions receiving sale treatment are also structured to ensure that the holders of the beneficial interests issued are not constrained from pledging or exchanging their interests, and that we do not maintain effective control over the transferred assets. If these criteria are not met, then the transaction is accounted for as an on-balance sheet secured borrowing. If a securitization qualifies as a sale, we then assess whether we are the primary beneficiary of the securitization trust and are required to consolidate such trust. We are considered the primary beneficiary if we have both: (i) the power to direct the activities of the VIE that most significantly impact the VIE&#8217;s economic performance; and (ii) the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE. There can be considerable judgment as it relates to determining the primary beneficiary of the VIEs. There are no &#8220;bright line&#8221; tests. Rather, the assessment of who has the power to direct the activities of the VIE that most significantly affect the VIE&#8217;s economic performance and who has the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE can be very qualitative and judgmental in nature. If we are the primary beneficiary, then no gain or loss is recognized.</span></div></ix:nonNumeric></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-26  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Significant Accounting Policies (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="ie2f69d77453b4f328234389f1dee5a36" continuedAt="i331aa035ccbf41d290aa1e53cf484535"><ix:continuation id="ic640efba2eb141cf8168bd91911b7e73" continuedAt="ifcabad8523204b00b89d04f83b63d662"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have determined that as the servicer of Sallie Mae securitization trusts, we meet the first primary beneficiary criterion because we have the power to direct the activities of the VIE that most significantly impact the VIE&#8217;s economic performance.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Irrespective of whether a securitization receives sale or on-balance sheet treatment, our continuing involvement with our securitization trusts is generally limited to:</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Owning the equity certificates of certain trusts;</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The servicing of the student loan assets within the securitization trusts, on both a pre- and post-default basis;</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our acting as administrator for the securitization transactions we sponsored;</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our responsibilities relative to representation and warranty violations; and</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The option to exercise the clean-up call and purchase the student loans from the trust when the pool balance is <ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="slm:VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNTE1ODk_a55dd65a-e5f7-4105-8d54-376d7415aeb3">10</ix:nonFraction> percent or less of the original pool balance.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2021 and 2020, we executed several secured financing transactions. Based upon our relationships with these securitizations, we believe the consolidation assessment is straightforward.  We consolidated our secured financing transactions because either we did not meet the accounting criterion for sales treatment or we determined we were the primary beneficiary of the VIE because we retained (i) the residual interest in the securitization and therefore had the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE, as well as (ii) the power to direct the activities of the VIE in our role as servicer. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The investors in our securitization trusts have no recourse to our other assets should there be a failure of the trust to pay when due. Generally, the only recourse the securitization trusts have to us is in the event we breach a seller representation or warranty or our duties as master servicer and servicer, in which event we are obligated to repurchase the related loans from the trust. </span></div></ix:continuation><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="ifcabad8523204b00b89d04f83b63d662">From time to time, we also engage in certain transactions that are not consolidated on our balance sheet due to the transaction having met the criterion for sales treatment. In these transactions, we remove loans from our consolidated balance sheet and recognize any assets retained and liabilities assumed at fair value, and record a gain or loss on the transferred loans. Our continuing involvement in these securitization transactions mainly consists of acting as the primary servicer and holding certain retained interests. We provide additional information regarding these types of activities in Note 11, &#8220;Borrowings &#8212; Unconsolidated VIEs.&#8221;</ix:continuation> </span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:DerivativesPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2MzM_1280769f-172a-41a9-9ed0-1fa03fce6336" continuedAt="ia70f0490e5e946f391ef7b804a83a90c" escape="true"><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Derivative Accounting</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We account for our derivatives, consisting of interest rate swaps, at fair value on the consolidated balance sheets as either an asset or liability. Derivative positions are recorded as net positions by counterparty based on master netting arrangements (see Note 12, &#8220;Derivative Financial Instruments&#8221;), exclusive of accrued interest and cash collateral held or pledged. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the &#8220;Dodd-Frank Act&#8221;) requires all standardized derivatives, including most interest rate swaps, to be submitted for clearing to central counterparties to reduce counterparty risk.  Two of the central counterparties we use are the Chicago Mercantile Exchange (the &#8220;CME&#8221;) and the London Clearing House (the &#8220;LCH&#8221;). All variation margin payments on derivatives cleared through the CME and LCH are accounted for as legal settlement. As of December&#160;31, 2021, $<ix:nonFraction unitRef="usd" contextRef="i68a5872b43b04dbc9ae190223f75eb89_I20211231" decimals="-8" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNTQyNTE_1a316ec1-3572-4933-aaf4-43cdf94aad71">5.2</ix:nonFraction> billion notional of our derivative contracts were cleared on the CME and $<ix:nonFraction unitRef="usd" contextRef="ia922dedf4ec04adc9ff1716561098c3d_I20211231" decimals="-8" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNTQzMTk_14034722-876d-45e2-9165-b96104e7d8f1">0.3</ix:nonFraction> billion were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent <ix:nonFraction unitRef="number" contextRef="i408f6599a073462d9ac5bf49dbf70bd5_D20210101-20211231" decimals="3" name="slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNTQ0MTQ_928c648f-a2fe-42d8-a798-062b8376ffe9">94.4</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="i29113c479c0e44fa9ebaa1dddc2e8c39_D20210101-20211231" decimals="3" name="slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNTQ0MjE_f9e6d543-eb2d-428e-a0d4-4fe79ed8aac7">5.6</ix:nonFraction> percent, respectively, of our total notional derivative contracts of $<ix:nonFraction unitRef="usd" contextRef="ib31cfdb1b62a4a15bf1f9a604a6de340_I20211231" decimals="-8" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNTQ0ODU_57419ed8-fe30-419a-abf3-a96aa3a12135">5.5</ix:nonFraction> billion at December&#160;31, 2021.</span></div><div style="margin-bottom:9pt;margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For derivatives cleared through the CME and LCH, the net gain (loss) position includes the variation margin amounts as settlement of the derivative and not collateral against the fair value of the derivative. The amount of variation margin included as settlement as of December 31, 2021 was $(<ix:nonFraction unitRef="usd" contextRef="i408f6599a073462d9ac5bf49dbf70bd5_D20210101-20211231" decimals="-6" sign="-" name="slm:AmountOfVariationMarginIncludedAsSettlement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNTQ3OTg_d910d073-ec3e-41f4-894c-979dc856e665">72</ix:nonFraction>) million and $<ix:nonFraction unitRef="usd" contextRef="i29113c479c0e44fa9ebaa1dddc2e8c39_D20210101-20211231" decimals="-6" name="slm:AmountOfVariationMarginIncludedAsSettlement" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNTQ4MDY_0e88547e-3a66-49f0-a574-ec56c86f858b">8</ix:nonFraction> million for the CME and LCH, respectively. Changes in fair value for derivatives not designated as hedging instruments are presented as realized gains (losses). </span></div><div style="margin-bottom:9pt;margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We determine the fair value for our derivative contracts primarily using pricing models that consider current market conditions and the contractual terms of the derivative contracts. These pricing models consider interest rates, time value, forward interest rate curves, and volatility factors. Inputs are generally from active financial markets.</span></div><div style="margin-bottom:9pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The accounting for derivative instruments requires that every derivative instrument, including certain derivative instruments embedded in other contracts, be recorded on the balance sheet as either an asset or liability measured at fair value. Our derivative instruments are classified and accounted for by us as fair value hedges, cash flow hedges, and trading hedges. </span></div></ix:nonNumeric></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-27</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Significant Accounting Policies (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i331aa035ccbf41d290aa1e53cf484535" continuedAt="ia2c719341af64ac5971be20bf0861a6c"><ix:continuation id="ia70f0490e5e946f391ef7b804a83a90c"><div style="margin-bottom:9pt;margin-top:1pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Each derivative is designated to a specific (or pool of) liability(ies) on the consolidated balance sheets, and is designated as either a &#8220;fair value&#8221; hedge or a &#8220;cash flow&#8221; hedge. Fair value hedges are designed to hedge our exposure to the changes in fair value of a fixed-rate liability. For effective fair value hedges, both the hedge and the hedged item (for the risk being hedged) are recorded at fair value with any difference reflecting ineffectiveness recorded immediately in the consolidated statements of income. Cash flow hedges are designed to hedge our exposure to variability in cash flows related to variable-rate deposits. The assessment of the hedge&#8217;s effectiveness is performed at inception and on an ongoing basis, using regression testing. For hedges of a pool of liabilities, tests are performed to demonstrate the similarity of individual instruments of the pool. When it is determined that a derivative is not currently an effective hedge, ineffectiveness is recognized for the full change in fair value of the derivative with no offsetting amount from the hedged item since the last time it was effective. If it is also determined the hedge will not be effective in the future, we discontinue the hedge accounting prospectively and begin amortization of any basis adjustments that exist related to the hedged item.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 12, 2020, the FASB issued ASU No. 2020-04, &#8220;Reference Rate Reform (&#8220;Topic 848&#8221;): Facilitation of the Effects of Reference Rate Reform on Financial Reporting.&#8221; On January 7, 2021, the FASB issued ASU No. 2021-01, &#8220;Reference Rate Reform (&#8220;Topic 848&#8221;): Scope&#8221; that clarified the scope of Topic 848. Topic 848 contains temporary optional expedients and exceptions for applying GAAP to contract modifications, hedging relationships, and other transactions affected by reference rate reform. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our derivative portfolio is made up of interest rate swaps that are centrally cleared through either the CME or the LCH. On October 16, 2020, both the CME and the LCH changed the price alignment interest and discount rate applied when valuing these transactions to the Secured Overnight Financing rate (&#8220;SOFR&#8221;). The ISDA 2020 LIBOR Fallbacks Protocol (the &#8220;ISDA Fallback Protocol&#8221;) was made available for adherence on October 23, 2020, with an effective date of January 25, 2021. Once adhered to by both counterparties in a bilateral relationship and the effective date is reached, the ISDA Fallback Protocol represents a change to the contractual terms of derivatives governed by each respective ISDA agreement between the Company and a derivative counterparty. We have elected the option provided in Topic 848 to not reassess previous accounting determinations as well as the option to not dedesignate a hedging relationship due to a current or future change in a critical or contractual term related to reference rate reform, including changes in the discount rate. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As our liabilities may begin to use alternatives to LIBOR before LIBOR is no longer published, for cash flow hedges of forecasted LIBOR based payments, we have elected the expedient offered in Topic 848 to disregard the potential change in the designated hedged interest rate risk that may occur because of reference rate reform when we assesses whether the hedged forecasted transactions are probable, in accordance with the requirements of &#8220;Derivatives and Hedging&#8221; Topic 815. We have also elected the expedient provided by Topic 848 to assume the reference rate will not be replaced for the remainder of the hedging relationship when assessing hedge effectiveness.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Topic 848 allows for different elections to be made at different points in time. We intend to reassess our elections of optional expedients and exceptions included within Topic 848 when changes or additions are necessary.</span></div></ix:continuation><div style="margin-bottom:9pt;margin-top:6pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:CompensationRelatedCostsPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk3MDg_d08e6520-4fc3-4b9d-ac2e-63a39722fed2" continuedAt="ifa65283f55c3439eb716728428459fa3" escape="true">Stock-Based Compensation</ix:nonNumeric></span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="ifa65283f55c3439eb716728428459fa3">We recognize stock-based compensation cost in our consolidated statements of income using the fair value method. Under this method, we determine the fair value of the stock-based compensation at the time of the grant and recognize the resulting compensation expense over the vesting period of the stock-based grant. We do not apply a forfeiture rate to our stock-based compensation expense, but rather record forfeitures when they occur. We record all excess tax benefits/deficiencies related to the settlement of employee stock-based compensation to the income tax expense line item on our consolidated statements of income.</ix:continuation> </span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:CostsAssociatedWithExitOrDisposalActivitiesOrRestructuringsPolicy" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMzg0ODI5MDg2MDAxNw_c108a730-a9bc-4fec-bb4d-8112c8ee357f" continuedAt="i7b8b7e60f7704bcabf69b0bb224cbf0e" escape="true"><div style="margin-top:6pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Restructuring Activities</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the third quarter of 2020, we initiated a restructuring program to reduce costs and improve operating efficiencies by better aligning our organizational structure with our new corporate strategic imperatives. In conjunction with these restructuring plans, involuntary benefit arrangements, and certain other costs that are incremental and incurred as a direct result of our restructuring plans, are classified as restructuring expenses in the accompanying consolidated statements of income. Restructuring expenses of $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="us-gaap:RestructuringCharges" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjIxODg_c4d4797e-f5f9-4738-897d-af47b661c550">26</ix:nonFraction>&#160;million were recorded in the year ended December 31, 2020. Of that total, $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="us-gaap:SeveranceCosts1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjIyNTc_c0cd76e7-e858-4236-bd9a-9e730994f8bc">20</ix:nonFraction>&#160;million related to severance benefits and $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="us-gaap:OtherRestructuringCosts" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjIyOTQ_aa829652-bfa2-493b-b9cb-32797101e3f8">6</ix:nonFraction>&#160;million related to other related costs, primarily legal and consulting fees. We recorded $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="us-gaap:RestructuringCharges" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTA5OTUxMTc4OTcyNQ_d29cbfe8-6a5a-4893-bb9d-ebe4cc6e5a6c">1</ix:nonFraction>&#160;million in additional restructuring expenses in the year ended December 31, 2021. There were <ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-6" name="us-gaap:RestructuringCharges" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjIzNzc_e96a3405-bddb-4ebd-9f6e-bc8e620273fe">no</ix:nonFraction> restructuring expenses recorded in the year ended December 31, 2019. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We sponsor employee severance plans that provide severance benefits in the event of termination of our full-time employees and part-time employees who work at least 24 hours per week. The severance plans establish specified </span></div></ix:nonNumeric></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-28  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Significant Accounting Policies (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="ia2c719341af64ac5971be20bf0861a6c"><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i7b8b7e60f7704bcabf69b0bb224cbf0e">benefits based on base salary, job level immediately preceding termination, and years of service upon termination of employment due to involuntary termination or a job abolishment, as defined in the severance plans. The benefits payable under the severance plans relate to past service. Accordingly, we recognize severance costs to be paid pursuant to the severance plans when payment of such benefits is probable and reasonably estimable. Such benefits, including severance pay calculated based on the severance plan, medical and dental benefits, outplacement services, and continuation pay, were incurred during the year ended December 31, 2020, as a direct result of our restructuring initiative. Accordingly, such costs are classified as restructuring expenses in the accompanying consolidated statements of income. We finalized this restructuring plan in 2020.</ix:continuation></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The majority of these restructuring expenses incurred through the year ended December 31, 2021 were severance costs related to the elimination of approximately <ix:nonFraction unitRef="position" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="us-gaap:RestructuringAndRelatedCostNumberOfPositionsEliminated" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjM4NzI_054f884d-579d-49ec-bad9-504b52fffa6d">165</ix:nonFraction> positions, or approximately <ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="us-gaap:RestructuringAndRelatedCostNumberOfPositionsEliminatedPeriodPercent" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjM5MDM_61ce57de-ec26-4ab3-9319-ddc7fbb5d236">9</ix:nonFraction> percent of the workforce that existed as of December 31, 2019.</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:IncomeTaxPolicyTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk3Mjk_9e9e98e1-84dc-461d-a3b0-e5cbdcf186a8" escape="true"><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Income Taxes </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We account for income taxes under the asset and liability approach, which requires the recognition of deferred tax liabilities and assets for the expected future tax consequences of temporary differences between the carrying amounts and tax basis of our assets and liabilities. To the extent tax laws change, deferred tax assets and liabilities are adjusted in the period that the tax change is enacted. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;Income tax expense (benefit)&#8221; includes (i)&#160;deferred tax expense (benefit), which represents the net change in the deferred tax asset or liability balance during the year when applicable, and (ii)&#160;current tax expense (benefit), which represents the amount of tax currently payable to or receivable from a tax authority plus amounts accrued for unrecognized tax benefits. Income tax expense (benefit) excludes the tax effects related to adjustments recorded in equity.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">An uncertain tax position is recognized only if it is more likely than not to be sustained upon examination based on the technical merits of the position. The amount of tax benefit recognized in the consolidated financial statements is the largest amount of benefit that is more than 50 percent likely of being sustained upon ultimate settlement of the uncertain tax position. We recognize interest and penalties related to unrecognized tax benefits in income tax expense (benefit).</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the Spin-Off, we recorded a liability related to uncertain tax positions of $<ix:nonFraction unitRef="usd" contextRef="ib1914b945c55433a9d4664ed6619535a_I20140430" decimals="-6" name="us-gaap:LiabilityForUncertainTaxPositionsCurrent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjU0Mzg_94da3860-5c75-44d4-9f3e-3b719157615a">27</ix:nonFraction> million for which we are indemnified by Navient.  If there is an adjustment to the indemnified uncertain tax liability, an offsetting adjustment to the indemnification receivable will be recorded as pre-tax adjustment to other income in the income statement.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date of the Spin-Off on April 30, 2014, we recorded liabilities related to deferred taxes and uncertain tax positions and an indemnification receivable of $<ix:nonFraction unitRef="usd" contextRef="ib1914b945c55433a9d4664ed6619535a_I20140430" decimals="-6" name="us-gaap:IncomeTaxReceivable" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjU4NjY_5e436291-4a8d-42f0-8af7-17f2d9c0b352">291</ix:nonFraction> million. As of December 31, 2021, with respect to those amounts recorded at the Spin-Off, the remaining liability balance is $<ix:nonFraction unitRef="usd" contextRef="idedc35b10a934bb29577ca00a173794e_I20211231" decimals="-6" name="slm:DeferredTaxLiabilitiesNetandLiabilityDuetoUncertainTaxPositions" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjU5OTM_9786ff63-43aa-47d9-8e57-27f80714ff67">5</ix:nonFraction> million (related to uncertain tax positions) and the remaining indemnification receivable balance is $<ix:nonFraction unitRef="usd" contextRef="idedc35b10a934bb29577ca00a173794e_I20211231" decimals="-6" name="us-gaap:IncomeTaxReceivable" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjYwOTg_c7d3d0fc-b190-4282-b295-a7a510955a4b">5</ix:nonFraction>&#160;million (related to uncertain tax positions).</span></div></ix:nonNumeric></ix:continuation><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div id="i35472170320a48e7aebfc3743129a2e0_100"></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">3.   <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:CashAndCashEquivalentsDisclosureTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDAvZnJhZzplNDQyMDcyNjU5NTA0ZTA0OTAzNzE0YWJkYjY0OTVmMS90ZXh0cmVnaW9uOmU0NDIwNzI2NTk1MDRlMDQ5MDM3MTRhYmRiNjQ5NWYxXzEwMjQ_043a3edd-3377-4fda-b292-86f2569cac41" continuedAt="iaad8873264624fa18f0db44d327a5cb3" escape="true">Cash and Cash Equivalents</ix:nonNumeric></span></div><ix:continuation id="iaad8873264624fa18f0db44d327a5cb3"><div style="margin-top:5pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, cash and cash equivalents include cash due from the FRB of $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-8" name="slm:CashduefromFederalReserveBank" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDAvZnJhZzplNDQyMDcyNjU5NTA0ZTA0OTAzNzE0YWJkYjY0OTVmMS90ZXh0cmVnaW9uOmU0NDIwNzI2NTk1MDRlMDQ5MDM3MTRhYmRiNjQ5NWYxXzEwNg_6355768a-f6ea-4769-b9b4-076d7a975121">4.3</ix:nonFraction> billion and cash due from depository institutions of $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:CashAndDueFromBanks" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDAvZnJhZzplNDQyMDcyNjU5NTA0ZTA0OTAzNzE0YWJkYjY0OTVmMS90ZXh0cmVnaW9uOmU0NDIwNzI2NTk1MDRlMDQ5MDM3MTRhYmRiNjQ5NWYxXzE2Mg_c5cd4b29-6672-47e4-bf79-865feb9fca81">75</ix:nonFraction> million. As of December&#160;31, 2020, cash and cash equivalents include cash due from the FRB of $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-8" name="slm:CashduefromFederalReserveBank" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDAvZnJhZzplNDQyMDcyNjU5NTA0ZTA0OTAzNzE0YWJkYjY0OTVmMS90ZXh0cmVnaW9uOmU0NDIwNzI2NTk1MDRlMDQ5MDM3MTRhYmRiNjQ5NWYxXzI0Mw_24167a22-8886-40e0-87ed-d4b8f7c547d2">4.4</ix:nonFraction> billion and cash due from depository institutions of $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-6" name="us-gaap:CashAndDueFromBanks" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDAvZnJhZzplNDQyMDcyNjU5NTA0ZTA0OTAzNzE0YWJkYjY0OTVmMS90ZXh0cmVnaW9uOmU0NDIwNzI2NTk1MDRlMDQ5MDM3MTRhYmRiNjQ5NWYxXzMwMA_c71e0df5-abef-4b6c-ad34-f4611d64e50b">73</ix:nonFraction> million. As of December&#160;31, 2021 and 2020, we had <ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="0" name="us-gaap:CashEquivalentsAtCarryingValue" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDAvZnJhZzplNDQyMDcyNjU5NTA0ZTA0OTAzNzE0YWJkYjY0OTVmMS90ZXh0cmVnaW9uOmU0NDIwNzI2NTk1MDRlMDQ5MDM3MTRhYmRiNjQ5NWYxXzMzNg_2d95fca7-f7a1-4b0c-8050-ab5dbca01e90"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="0" name="us-gaap:CashEquivalentsAtCarryingValue" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDAvZnJhZzplNDQyMDcyNjU5NTA0ZTA0OTAzNzE0YWJkYjY0OTVmMS90ZXh0cmVnaW9uOmU0NDIwNzI2NTk1MDRlMDQ5MDM3MTRhYmRiNjQ5NWYxXzMzNg_be51d40a-15b8-4ae3-9f2a-10bc6b92f923">no</ix:nonFraction></ix:nonFraction> outstanding cash equivalents.</span></div><div style="margin-top:5pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The FRB Term Deposit Facility program is used to facilitate the conduct of monetary policy by providing a tool that may be used to manage the aggregate quantity of reserve balances held by depository institutions. Under this program, the FRB accepts deposits for a stated maturity at a rate of interest determined via auction. The funds are removed from the accounts of participating institutions for the life of the term deposit. We did not participate in these auctions in 2021 or 2020, resulting in <ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-5" name="slm:InterestincomefromTermDepositFacility" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDAvZnJhZzplNDQyMDcyNjU5NTA0ZTA0OTAzNzE0YWJkYjY0OTVmMS90ZXh0cmVnaW9uOmU0NDIwNzI2NTk1MDRlMDQ5MDM3MTRhYmRiNjQ5NWYxXzg2MQ_129ed09f-9b19-4451-a940-19ac0495b613"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-5" name="slm:InterestincomefromTermDepositFacility" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDAvZnJhZzplNDQyMDcyNjU5NTA0ZTA0OTAzNzE0YWJkYjY0OTVmMS90ZXh0cmVnaW9uOmU0NDIwNzI2NTk1MDRlMDQ5MDM3MTRhYmRiNjQ5NWYxXzg2MQ_8b23c569-1993-48e7-9a3c-e62506acf886">no</ix:nonFraction></ix:nonFraction> interest reported. As of December&#160;31, 2021 and 2020, <ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="0" name="us-gaap:CertificatesOfDepositAtCarryingValue" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDAvZnJhZzplNDQyMDcyNjU5NTA0ZTA0OTAzNzE0YWJkYjY0OTVmMS90ZXh0cmVnaW9uOmU0NDIwNzI2NTk1MDRlMDQ5MDM3MTRhYmRiNjQ5NWYxXzk2Mw_42ff3e51-0532-456e-9a2c-bf1cf030d488"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="0" name="us-gaap:CertificatesOfDepositAtCarryingValue" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDAvZnJhZzplNDQyMDcyNjU5NTA0ZTA0OTAzNzE0YWJkYjY0OTVmMS90ZXh0cmVnaW9uOmU0NDIwNzI2NTk1MDRlMDQ5MDM3MTRhYmRiNjQ5NWYxXzk2Mw_4a9d4df4-6b71-49f3-b7f8-49b1dac61b88">no</ix:nonFraction></ix:nonFraction> funds were on deposit with the FRB under this program.</span></div></ix:continuation><div style="margin-top:5pt;text-indent:11.25pt"><span><br/></span></div><div id="i35472170320a48e7aebfc3743129a2e0_103"></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">4.   <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzM4NDgyOTA3MjkyMDY_b7648d37-a73b-4c0a-b978-2f28c528a5a1" continuedAt="icd76a7805c034e729c1f6905bb771f76" escape="true">Investments  </ix:nonNumeric></span></div><ix:continuation id="icd76a7805c034e729c1f6905bb771f76" continuedAt="i91604ff55906473eb243f56562f2a030"><div style="margin-top:14pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Trading Investments</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We periodically sell Private Education Loans through securitization transactions where we were required to retain a <ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzE4Mg_2826425f-4c9a-4836-bf06-3c572b448511">five</ix:nonFraction> percent vertical risk retention interest (i.e., <ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzIzMw_84ca51c8-261a-4a3d-9be8-ffb6e350156b">five</ix:nonFraction> percent of each class issued in the securitizations). We classify those vertical risk retention interests related to the transactions as available-for-sale investments, except for the interest in the </span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-29</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">4.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Investments (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i91604ff55906473eb243f56562f2a030" continuedAt="i2a3a169f81cd4613ac7eb32eee74d200"><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">residual classes, which we classify as trading investments recorded at fair value with changes recorded through earnings. At December 31, 2021 and 2020, we had $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzU5MQ_99b6e0d1-e5be-4301-b0e3-be6310d96c75">37</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-6" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzEwOTk1MTE2MzU4Nzc_3a1498eb-f9a7-4ebe-b75f-d57573aff0eb">17</ix:nonFraction> million, respectively, classified as trading investments. </span></div><div style="margin-top:14pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Available-for-Sale Investments </span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0Xzc3Nzk_4d69a7a8-aa42-4bb7-8d7f-3bbaf8954458" continuedAt="i5650de6775db428a9b901e099582b9db" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amortized cost and fair value of securities available for sale are as follows:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:80.000%"><tr><td style="width:1.0%"></td><td style="width:32.059%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.056%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.573%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.668%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.531%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.531%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.668%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.531%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.015%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.274%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for credit losses</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Gains</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Available for sale:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzQtMi0xLTEtMA_59c59f0b-7047-47f8-ac97-b67b8dd5d702">6,943</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8906b4fa59a543eca63ba77a2818d9c8_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzQtNC0xLTEtMA_9ce0a217-746a-48a9-ac0b-199fac3f1371">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8906b4fa59a543eca63ba77a2818d9c8_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzQtNi0xLTEtMA_ab04e9d5-b3c7-46f7-9567-8f5b71d2fabb">18</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8906b4fa59a543eca63ba77a2818d9c8_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzQtOC0xLTEtMA_70b9f760-696f-4491-ab14-362ce9dd86e8">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8906b4fa59a543eca63ba77a2818d9c8_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzQtMTAtMS0xLTA_5a1befcd-c7c0-47f5-bb7f-6dc9f85118e4">6,961</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">U.S. government-sponsored enterprises and Treasuries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia0152c17ab18423f9846d3b4f99a6096_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzUtMi0xLTEtMA_5b01b4e3-1af0-4fa5-86ab-cab39358fdbd">1,958,943</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia0152c17ab18423f9846d3b4f99a6096_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzUtNC0xLTEtMA_dca247da-10bf-4ec2-adb4-1410f29de673">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia0152c17ab18423f9846d3b4f99a6096_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzUtNi0xLTEtMA_17f4b2ab-659b-4b52-a32d-422ff6e6851d">603</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ia0152c17ab18423f9846d3b4f99a6096_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzUtOC0xLTEtMA_0d4773cd-bf69-46e2-b402-5258e08c25c5">11,893</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia0152c17ab18423f9846d3b4f99a6096_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzUtMTAtMS0xLTA_721742b4-2081-406f-91dc-c1179e82064e">1,947,653</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other securities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibf779988094743ceadead03db9d62626_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzYtMi0xLTEtMA_11c76a08-831d-4d01-8305-88aa2995d06a">193,369</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibf779988094743ceadead03db9d62626_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzYtNC0xLTEtMA_7492d6f7-a1fd-44f2-bab3-09bc7e0afa8d">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibf779988094743ceadead03db9d62626_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzYtNi0xLTEtMA_ed212b65-5e05-47f0-ba50-5b9371ae0499">439</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ibf779988094743ceadead03db9d62626_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzYtOC0xLTEtMA_ad3334e9-8e71-40c9-9ef2-be72f38628dd">1,563</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibf779988094743ceadead03db9d62626_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzYtMTAtMS0xLTA_ef9b7ef6-8e40-4d9e-95b4-fe8ce693a12f">192,245</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzctMi0xLTEtMA_621bcf59-7169-4bb3-899d-396159fb3888">2,535,568</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzctNC0xLTEtMA_2afb72ed-59d4-4b02-8b85-f64d3de5a263">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzctNi0xLTEtMA_83d031b1-b771-4306-be25-c9f0ab1d6716">2,917</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzctOC0xLTEtMA_d134cef3-d1c4-449d-adda-730dcb32efcc">20,529</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzctMTAtMS0xLTA_6e6eac13-2a5b-4fa9-87df-f7a3ada1fd18">2,517,956</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2020<br/>(dollars in thousands)</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for credit losses</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Gains</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Available for sale:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage-backed securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i01446c0ebfdb40918fc5f0e8655c9537_I20201231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzEyLTItMS0xLTA_bd96a277-5d8b-4847-9381-297c308c1955">308,913</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i01446c0ebfdb40918fc5f0e8655c9537_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzEyLTQtMS0xLTA_b3572187-8da6-4727-87a1-dc740ad96bc2">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i01446c0ebfdb40918fc5f0e8655c9537_I20201231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzEyLTYtMS0xLTA_6a635d9f-e3d1-4140-b9f3-213443c1a134">6,095</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i01446c0ebfdb40918fc5f0e8655c9537_I20201231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzEyLTgtMS0xLTA_dc3feccf-6347-426b-b58a-3e7efeb3fd57">134</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i01446c0ebfdb40918fc5f0e8655c9537_I20201231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzEyLTEwLTEtMS0w_56d3e2f7-0749-49a3-aeb5-6d51be0cb25f">314,874</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Utah Housing Corporation bonds</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ief1e8ed174944003934700715d190d38_I20201231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzEzLTgtMS0xLTA_e32b5eae-b18c-4242-9883-71d26e42aa02">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ief1e8ed174944003934700715d190d38_I20201231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzEzLTEwLTEtMS0w_f9e8e2f7-ad9d-4b7c-911e-325d76cc5e8b">12,567</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">U.S. government-sponsored enterprises and Treasuries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzE1LTYtMS0xLTQ1_71fb9757-9272-4b96-a444-2f7ad02e08db">462</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i841694bb1aa74c9d9ab8bb9c772f4288_I20201231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzE1LTEwLTEtMS00NQ_a8fa7c94-df59-493c-bac3-e80e4d915850">68,908</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzE1LTItMS0xLTA_df0e46fa-7c93-4c33-970f-093754e4db2e">1,986,957</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzE1LTQtMS0xLTA_168d1582-a9be-4353-8580-613ca404d4c4">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzE1LTYtMS0xLTA_f873e51b-c2f8-4919-ab19-686fa47185fa">10,162</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzE1LTgtMS0xLTA_2ad78ff4-110f-475b-ad12-ae612fafd1ea">485</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo3NjM3YzUzZTY3Mzk0NWU1YTUwOTEyNGRlYjFlMmE5ZS90YWJsZXJhbmdlOjc2MzdjNTNlNjczOTQ1ZTVhNTA5MTI0ZGViMWUyYTllXzE1LTEwLTEtMS0w_b6c8b396-eba9-4576-9ca4-df67bd6c1d9e">1,996,634</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div></ix:nonNumeric><div style="padding-left:81pt;padding-right:45pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"><ix:continuation id="i5650de6775db428a9b901e099582b9db" continuedAt="i09ca152b8efc43b3b46052b123eb183d">(1)</ix:continuation></span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:continuation id="i09ca152b8efc43b3b46052b123eb183d">  Represents the amount of impairment that has resulted from credit-related factors and that was recognized in the consolidated balance sheets (as a credit loss expense on available-for-sale securities). The amount excludes unrealized losses related to non-credit factors.</ix:continuation>  </span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-30  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">4.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Investments (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i2a3a169f81cd4613ac7eb32eee74d200" continuedAt="icbc2841eb7aa49498d4047739450d29b"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0Xzc3Nzc_84b74858-28e7-4e98-804a-a7afedb0b932" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the amount of gross unrealized losses for our available-for-sale securities and the estimated fair value for securities having gross unrealized loss positions, categorized by length of time the securities have been in an unrealized loss position:</span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.638%"><tr><td style="width:1.0%"></td><td style="width:31.883%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.844%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.303%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Less than 12 months</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12 months or more</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage-backed securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifb6207ad055e48a39e0cf198234c451e_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzMtNC0xLTEtMA_8f23f2c9-8c80-400c-ba3c-87a03b93bbde">261,404</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ifb6207ad055e48a39e0cf198234c451e_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifb6207ad055e48a39e0cf198234c451e_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1fcde9c29f724823a9cf34f47ce52a00_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzQtOC0xLTEtMA_c31acdbd-a31d-45f3-a514-16bbcfdc35bd">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1fcde9c29f724823a9cf34f47ce52a00_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzQtMTAtMS0xLTA_1690d762-6fd2-4d4e-a962-93acaf894ec2">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1fcde9c29f724823a9cf34f47ce52a00_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzQtMTItMS0xLTA_a88747c9-6ad4-4cc2-895e-48798400a2fb">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzUtMi0xLTEtMA_0b1d5e21-80d2-4a47-99f4-70c9dd0b31c0">11,892</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2cf39046876142a98bdfa5f2ec7bb007_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzUtNC0xLTEtMA_8af5e09a-7a70-4cae-9261-ad4727e6f9a2">1,199,367</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2cf39046876142a98bdfa5f2ec7bb007_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzUtNi0xLTEtMA_956fbc2f-8e1a-4583-bd2b-ce88d43cfbd8">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2cf39046876142a98bdfa5f2ec7bb007_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzUtOC0xLTEtMA_c93fc970-4aca-419e-b554-0615c433c4e0">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i2cf39046876142a98bdfa5f2ec7bb007_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzUtMTAtMS0xLTA_30e9eefc-9420-44d9-aa9d-4ed7a5700516">11,892</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2cf39046876142a98bdfa5f2ec7bb007_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzUtMTItMS0xLTA_2e1179da-24e8-4d78-98a6-be3d835a3589">1,199,367</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other securities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icec91d3f070a44cb89aedb3e909cb43a_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzYtMi0xLTEtMA_ce0e4035-ce65-42cd-941d-89658a56c376">1,563</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icec91d3f070a44cb89aedb3e909cb43a_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzYtNC0xLTEtMA_dc00cad9-4cce-47f1-9554-011f7cfc7d65">132,884</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icec91d3f070a44cb89aedb3e909cb43a_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzYtNi0xLTEtMA_8386f67d-5013-49e0-9183-d5edc6c75df9">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icec91d3f070a44cb89aedb3e909cb43a_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzYtOC0xLTEtMA_86506fea-d64e-4cbf-96c8-5757122c71fc">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icec91d3f070a44cb89aedb3e909cb43a_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzYtMTAtMS0xLTA_d0d08104-fa91-4e15-918c-9cc48356e197">1,563</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icec91d3f070a44cb89aedb3e909cb43a_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzYtMTItMS0xLTA_24563079-0ec8-4844-b0a1-53e490e28f41">132,884</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzctMi0xLTEtMA_8569daae-931f-4a5a-8754-875f8d099f1e">18,989</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzctNC0xLTEtMA_375ecc68-3b75-4d4c-a1cf-adf3484b15d5">1,593,655</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzctNi0xLTEtMA_c6ba25b2-75ab-4bee-96d9-e3ff7835aef5">1,540</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzctOC0xLTEtMA_c3ca0914-620f-4fcf-8f3b-7f2b03355735">36,587</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzctMTAtMS0xLTA_f473398d-0470-438c-9597-8ef0aa1803b6">20,529</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzctMTItMS0xLTA_13652f64-1058-412e-afb5-88f519528922">1,630,242</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage-backed securities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i09f2232eb6a0495a9f513dc67b1559c0_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEwLTItMS0xLTA_f5c37f68-98f6-4dc1-9629-6bf679cea136">134</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i09f2232eb6a0495a9f513dc67b1559c0_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEwLTQtMS0xLTA_bddd1820-e58a-4a9b-8d66-011a013fa4ea">46,011</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i09f2232eb6a0495a9f513dc67b1559c0_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEwLTYtMS0xLTA_0b3f5ab6-a139-47a2-9641-35f447b91192">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i09f2232eb6a0495a9f513dc67b1559c0_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEwLTgtMS0xLTA_fc6d53f0-87ec-4a3b-9287-e65689b99320">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i09f2232eb6a0495a9f513dc67b1559c0_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEwLTEwLTEtMS0w_002aabd9-db75-49a4-9414-0b98badf132a">134</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEzLTItMS0xLTExNw_d528120a-82d5-4c5c-b2fb-1e987fe6602c">351</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifb44ca96567149f2b1556e30c9e77bc6_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEzLTQtMS0xLTExNw_381b5a5a-b6ef-49df-b522-afde2ebfa51f">30,441</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifb44ca96567149f2b1556e30c9e77bc6_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEzLTYtMS0xLTExNw_8fab7900-6618-4deb-9aba-2252912f444a">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifb44ca96567149f2b1556e30c9e77bc6_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEzLTgtMS0xLTExNw_cb4050e0-6c2e-4e14-ab97-b24489c9935a">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ifb44ca96567149f2b1556e30c9e77bc6_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEzLTEwLTEtMS0xMTc_e48e76b0-c34f-4742-90ba-f6408e15449e">351</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifb44ca96567149f2b1556e30c9e77bc6_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEzLTEyLTEtMS0xMTc_4ae8ca16-81af-4b41-a503-1645f6b48614">30,441</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEzLTItMS0xLTA_acb5e04c-f0e5-4058-90fe-ec53b3542d5e">485</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEzLTQtMS0xLTA_9b3d2081-4f61-4ac0-977e-73d781e8db08">76,452</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEzLTYtMS0xLTA_479e742c-9472-4032-905e-6931897becfc">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEzLTgtMS0xLTA_32bb4890-5a51-45a1-9472-2397cd30c015">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEzLTEwLTEtMS0w_668216c5-2d6a-4570-9347-f0538eb9b98a">485</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZTo5MTdhMThhODVlMWE0NzhjOWUwZjQzMmExNDJmYzVmZS90YWJsZXJhbmdlOjkxN2ExOGE4NWUxYTQ3OGM5ZTBmNDMyYTE0MmZjNWZlXzEzLTEyLTEtMS0w_56957997-956a-430f-b8bc-76128f0d9218">76,452</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">As of December&#160;31, 2021 and 2020, <ix:nonFraction unitRef="security" contextRef="ifb6207ad055e48a39e0cf198234c451e_I20211231" decimals="0" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzEwOTk1MTE2NDM3NDk_eb30b5d7-f04a-42ee-af58-82ef8fd3c92f">60</ix:nonFraction> of <ix:nonFraction unitRef="security" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="0" name="slm:DebtSecuritiesAvailableForSaleNumberOfPositions" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzEwOTk1MTE2NDM4NjU_aac0c244-2f80-4c26-9d3a-2bfdef864f13">180</ix:nonFraction> and <ix:nonFraction unitRef="security" contextRef="i09f2232eb6a0495a9f513dc67b1559c0_I20201231" decimals="0" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzEwOTk1MTE2NTk2MjM_32ad5680-4884-432c-8a19-881a856491e2">14</ix:nonFraction> of <ix:nonFraction unitRef="security" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="0" name="slm:DebtSecuritiesAvailableForSaleNumberOfPositions" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzEwOTk1MTE2NDQwOTM_94d8c387-2eda-4da3-bb56-05cd681fd2fc">163</ix:nonFraction>, respectively, of our available-for-sale securities were in an unrealized loss position. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Impairment</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">For available-for-sale securities in an unrealized loss position, we first assess whether we intend to sell, or it is more likely than not that we will be required to sell, the security before recovery of its amortized cost basis. If either of these criteria is met, the security&#8217;s amortized cost basis is written down to fair value through income. For securities in an unrealized loss position that do not meet these criteria, we evaluate whether the decline in fair value has resulted from credit loss or other factors. In making this assessment, we consider the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, adverse conditions specifically related to the security, as well as any guarantees (e.g., guarantees by the U.S. Government) that may be applicable to the security. If this assessment indicates a credit loss exists, the credit-related portion of the loss is recorded as an allowance for losses on the security. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Our investment portfolio contains mortgage-backed securities issued by Ginnie Mae, Fannie Mae, and Freddie Mac, as well as Utah Housing Corporation bonds. We own these securities to meet our requirements under the Community Reinvestment Act (&#8220;CRA&#8221;). We also invest in other U.S. government-sponsored enterprise securities issued by the Federal Home Loan Banks, Freddie Mac, and the Federal Farm Credit Bank. Our mortgage-backed securities that were issued under Ginnie Mae programs carry a full faith and credit guarantee from the U.S. Government. The remaining mortgage-backed securities in a net loss position carry a principal and interest guarantee by Fannie Mae or Freddie Mac, respectively. Our Treasury and other U.S. government-sponsored enterprise bonds are rated Aaa by Moody&#8217;s Investors Service or AA+ by Standard and Poor&#8217;s. The decline in value from December 31, 2020 to December 31, 2021 was driven by the current interest rate environment and is not credit related. We have the intent and ability to hold these bonds for a period of time sufficient for the market price to recover to at least the adjusted amortized cost of the security. Based on this qualitative analysis, we have determined that no credit impairment exists.    </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">We periodically sell Private Education Loans through securitization transactions where we are required to retain a <ix:nonFraction unitRef="number" contextRef="i99f96d10dcdd4609bb7a02ccd7d64f6d_D20200301-20200331" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzQ5MjU_d084931a-e13e-4000-88d1-8e60c6daa8d0">five</ix:nonFraction> percent vertical risk retention interest. We classify the non-residual vertical risk retention interests as available-for-sale investments. We have the intent and ability to hold each of these bonds for a period of time sufficient for the market price to recover to at least the adjusted amortized cost of the security. We expect to receive all contractual cash flows related to these investments and do not consider a credit impairment to exist.</span></div></ix:continuation><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-31</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">4.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Investments (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="icbc2841eb7aa49498d4047739450d29b" continuedAt="i39cc2494883142c59ba9de1bcabf3f6e"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0Xzc3NzM_247ab506-df06-451f-a25c-2f5ad5c91a08" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, the amortized cost and fair value of securities, by contractual maturities, are summarized below. Contractual maturities versus actual maturities may differ due to the effect of prepayments. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:41.111%"><tr><td style="width:1.0%"></td><td style="width:46.197%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.224%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.954%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.225%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021</span></div><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year of Maturity </span></div><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2022</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i3b347baa03494457bdc4555db7fc17e1_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzMtMS0xLTEtMzc0MjY_6ab73867-0969-4a91-8eec-2c90e2c709c3">398,583</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idbd9438375a341d6a9edca4124a85c67_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzMtMy0xLTEtMzc0MzM_3f3ce684-c64c-4a4f-88ba-7192078ea461">394,941</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i09d44c4a2a1b474a8fbcfa2d57fd3d60_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzQtMS0xLTEtMzc0MjY_395172b9-f9a9-4bff-bb64-2788e3ed1a20">547,712</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i09d44c4a2a1b474a8fbcfa2d57fd3d60_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzQtMy0xLTEtMzc0MzM_722412f0-911b-4676-b4f7-f9a0ac2e868c">540,382</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2038</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5171ee7e39794117bea2c0ecfe0b5122_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzUtMy0xLTEtMzc0MzM_6483df8e-f53c-4c7b-a8b2-e2b96652e625">79</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2039</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idde3ae5294b142b0b6129fe52b41f1d7_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzYtMS0xLTEtMzc0MjY_fe8fede3-6fb3-4130-9584-0f44660d090a">1,029</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idde3ae5294b142b0b6129fe52b41f1d7_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzYtMy0xLTEtMzc0MzM_176c3eed-7577-480f-8d39-4e9f0a4cb99b">1,120</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 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style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie80b233b480d4d44b43829b4ff9bc0cf_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzctMy0xLTEtMzc0MzM_f6244826-ead4-4191-9661-7e22df77353e">3,175</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2043</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id3f4e31781724ec6abd05e886e15ae3b_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzgtMS0xLTEtMzc0MjY_2ac9a0a9-0294-4db2-98c0-670f07608f09">5,599</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id3f4e31781724ec6abd05e886e15ae3b_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzgtMy0xLTEtMzc0MzM_d420081d-e80d-4986-9b5c-2f313c244b0b">5,797</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2044</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if45ac01375194f93875ba350a6771b71_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzktMS0xLTEtMzc0MjY_e25a7973-62a6-4a76-923f-c297383f0697">7,620</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if45ac01375194f93875ba350a6771b71_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzktMy0xLTEtMzc0MzM_d295c88d-4311-42d4-a58e-9bc9b8a74d33">7,881</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2045</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i48b4186ed87b43f68197fa8844c51ff1_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzEwLTMtMS0xLTM3NDMz_d64a4b8a-38e9-401d-94e3-6939a6471347">6,968</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2046</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iba0645b68bf84c5487acd03d95e00711_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzExLTEtMS0xLTM3NDI2_811ac1cb-5376-4301-8ef7-f2708bfb6429">10,629</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iba0645b68bf84c5487acd03d95e00711_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzExLTMtMS0xLTM3NDMz_c415a418-d578-46d8-a6cc-790677becc30">10,818</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2047</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i40375370869e49d38f0cea08879416ee_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzEyLTEtMS0xLTM3NDI2_2b8ddf43-c128-46a3-afe6-bf3ddfa29aab">12,611</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i40375370869e49d38f0cea08879416ee_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzEyLTMtMS0xLTM3NDMz_b83e3e57-bc4c-4ce7-93cb-5b1e132c2c51">12,822</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2048</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i008280b6c53f4a47bfd521123700257e_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzEzLTEtMS0xLTM3NDI2_816e4818-9526-47d2-9808-e15913a418da">2,961</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i008280b6c53f4a47bfd521123700257e_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzEzLTMtMS0xLTM3NDMz_a0304561-6292-455a-9675-dc8db5dc61e2">3,025</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2049</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i53676af48f9d468da1c78d3999bb4425_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzE0LTEtMS0xLTM3NDI2_24abedef-aab7-4684-942d-c9a80cd0d87d">19,828</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i53676af48f9d468da1c78d3999bb4425_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzE0LTMtMS0xLTM3NDMz_2ffcc474-5ab9-425d-8188-ee379e05c796">20,458</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2050</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic1860473e64f45ee9d8596f810976ec9_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzE1LTEtMS0xLTM3NDI2_8e86dd0c-6f7d-4e71-b058-9b09dd6eb3a5">134,707</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic1860473e64f45ee9d8596f810976ec9_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzE1LTMtMS0xLTM3NDMz_c6074caa-bbe2-4484-a090-1270a3dbbd4d">131,063</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2051</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if210c1c7b9854c23ac4124bed0c2d1a0_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzE2LTEtMS0xLTM3NDI2_8d408100-30c8-4d02-8c0f-b3bb9457f2af">178,250</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if210c1c7b9854c23ac4124bed0c2d1a0_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzE2LTMtMS0xLTM3NDMz_8c90a692-0d76-4446-b8e7-b7f581f39a5d">174,853</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2053</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie1c7403501634bd799211539b1b0f66b_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzE3LTEtMS0xLTM3NDI2_39cee9aa-a252-43e5-a0a3-4a1168693e9d">141,251</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie1c7403501634bd799211539b1b0f66b_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzE3LTMtMS0xLTM3NDMz_3dfb41ce-5ddf-49ac-b25c-bce4d7990556">140,260</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2054</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic8265cdb25b445c8a8d8fcd7c19a62ef_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzE4LTEtMS0xLTM3NDI2_3d61d927-f8c1-4c20-82d4-2dc5987b0ae5">52,118</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic8265cdb25b445c8a8d8fcd7c19a62ef_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzE4LTMtMS0xLTM3NDMz_99240318-f9b7-4938-94a1-2cdf16134dd6">51,985</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzE5LTEtMS0xLTM3NDI2_3f650573-7be6-490b-b6e1-500235f8d5a0">2,535,568</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90YWJsZToxM2RiMjUxZmY2Mzc0OGNkOWFmOWM5YzExODQxMzllOC90YWJsZXJhbmdlOjEzZGIyNTFmZjYzNzQ4Y2Q5YWY5YzljMTE4NDEzOWU4XzE5LTMtMS0xLTM3NDMz_00997a8c-2f03-4522-9cbb-2495daf48d14">2,517,956</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Some of the mortgage-backed securities and a portion of the government securities have been pledged to the FRB as collateral against any advances and accrued interest under the Primary Credit lending program sponsored by the FRB. We had $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="slm:ParValueOfMortgageBackedSecuritiesPledgedToFRB" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzU4OTU_22b4f948-16e6-4737-9d6b-3adb809038fe">888</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-6" name="slm:ParValueOfMortgageBackedSecuritiesPledgedToFRB" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzU5MTE_95366be4-6ace-4b3b-807b-10fb25b86248">815</ix:nonFraction>&#160;million par value of securities pledged to this borrowing facility at December&#160;31, 2021 and 2020, respectively, as discussed further in Note 11, &#8220;Borrowings.&#8221;</span></div><div style="margin-top:14pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Other Investments</span></div><div style="margin-top:5pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Investments in Non-Marketable Securities</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We hold investments in non-marketable securities and account for these investments at cost, less impairment, plus or minus observable price changes of identical or similar securities of the same issuer. Changes in market value are recorded through earnings. Because these are non-marketable securities, we use observable price changes of identical or similar securities of the same issuer in determining any changes in the value of the securities. In the second quarter of 2021, we funded an additional investment, as part of a larger equity raise, in an issuer whose equity securities we purchased in the past. We used the valuation associated with the more recent equity raise to adjust the valuation of our previous investments, and, as a result, recorded a gain of $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="us-gaap:EquitySecuritiesFvNiGainLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzEwOTk1MTE2NTkwNTU_7529a481-fcd7-4637-a990-918320e0f367">35</ix:nonFraction>&#160;million on our earlier equity securities investments. In the third quarter of 2019, we also funded an additional investment and, as a result, recorded a gain of $<ix:nonFraction unitRef="usd" contextRef="if5157abd0b114bb1b15f20891517bc68_D20190701-20190930" decimals="-6" name="us-gaap:EquitySecuritiesFvNiGainLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzY2NDc_d0c8a83e-f508-45eb-9335-f4b3ccd1df60">8</ix:nonFraction> million on our earlier equity securities investments. These gains were recorded in &#8220;other income&#8221; in the consolidated statements of income in 2021 and 2019. At December 31, 2021 and December 31, 2020, our total investment in the securities of this issuer was $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:EquitySecuritiesFvNi" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzEwOTk1MTE2NTk1NjM_e8912b87-4c71-40fe-8ec5-fb59284c1736">69</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-6" name="us-gaap:EquitySecuritiesFvNi" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzY4OTU_7f647dee-7421-4a13-8ae1-41b32b41fd7b">26</ix:nonFraction> million, respectively.</span></div></ix:continuation><div style="margin-top:14pt;text-indent:11.25pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-32  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">4.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Investments (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i39cc2494883142c59ba9de1bcabf3f6e"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Low Income Housing Tax Credit Investments</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We invest in affordable housing projects that qualify for the LIHTC, which is designed to promote private development of low income housing. We recognized $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzcwOTY_43d9b5d3-5a3b-4816-826d-9d4d7658c0de">7</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzcxMDA_2410dde3-5c57-4663-a6e4-462298785cb2">6</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-6" name="us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzcxMDc_96174af6-4b09-4c4e-b40e-d20b66735cd5">6</ix:nonFraction> million of tax credits and other tax benefits associated with investments in affordable housing projects within income tax expense for the years ended December 31, 2021, 2020, and 2019, respectively. The amount of amortization of such investments reported in income tax expense was $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzczODE_1cd33ea7-0870-4762-bf7f-847ef7f9042b">6</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzczODU_d1cf3165-48bc-481b-92dd-10b159462ade">5</ix:nonFraction>&#160;million, and $<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzczOTI_8a23e905-2656-4df6-8ab1-e154b0f63948">4</ix:nonFraction> million for the years ended December 31, 2021, 2020, and 2019, respectively. Total carrying value of the LIHTC investments was $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0Xzc1MTE_ebfce36c-6379-4afe-9ed3-2bd7759667da">68</ix:nonFraction> million at December 31, 2021 and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0Xzc1Mzk_4e057bfe-4099-4987-b775-6e7658350495">54</ix:nonFraction> million at December 31, 2020. We are periodically required to provide additional financial support during the investment period. Our liability for these unfunded commitments was $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:QualifiedAffordableHousingProjectInvestmentsCommitment" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0Xzc3MTI_fe17e0fa-7ea7-4e99-9175-3f16a5fba877">30</ix:nonFraction>&#160;million at December 31, 2021 and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-6" name="us-gaap:QualifiedAffordableHousingProjectInvestmentsCommitment" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0Xzc3NDE_1497923a-3c9e-4a9a-8666-76308a918366">19</ix:nonFraction> million at December 31, 2020.</span></div></ix:continuation><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div id="i35472170320a48e7aebfc3743129a2e0_106"></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">       5.    <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE4MTk1_6b871c12-491a-492a-bcef-c0d3a85b1119" continuedAt="i9017600ddef940c998d884fce78588d9" escape="true">Loans Held for Investment</ix:nonNumeric></span></div><ix:continuation id="i9017600ddef940c998d884fce78588d9" continuedAt="i25ff6515519e4dba879fef7947649299"><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans held for investment consist of Private Education Loans, FFELP Loans, and Credit Cards. We use &#8220;Personal Loans&#8221; to mean those unsecured loans to individuals that may be used for non-educational purposes. We sold our entire Personal Loan portfolio in the third quarter of 2020.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Private Education Loans are made largely to bridge the gap between the cost of higher education and the amount funded through financial aid, government loans, and customers&#8217; resources. Private Education Loans bear the full credit risk of the customer. We manage this risk through risk-performance underwriting strategies and qualified cosigners. Private Education Loans may be fixed-rate or may carry a variable interest rate indexed to LIBOR, the London interbank offered rate, or SOFR, the Secured Overnight Financing Rate. As of December&#160;31, 2021 and 2020, <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:PercentOfPrivateLoansIndexedToLIBOROrSOFR" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4Xzg1MA_04a1d567-5234-4ad8-993d-d1c274cac297">52.1</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="2" name="slm:PercentOfPrivateLoansIndexedToLIBOROrSOFR" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4Xzg1Nw_51e96447-5c1a-4039-8f61-6a13dede28ab">55</ix:nonFraction> percent, respectively, of all of our Private Education Loans were indexed to LIBOR or SOFR. We provide incentives for customers to include a cosigner on the loan, and the vast majority of Private Education Loans in our portfolio are cosigned. We also encourage customers to make payments while in school. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FFELP Loans are insured as to their principal and accrued interest in the event of default, subject to a risk-sharing level based on the date of loan disbursement. These insurance obligations are supported by contractual rights against the United States. For loans disbursed on or after July 1, 2006, we receive <ix:nonFraction unitRef="number" contextRef="idce7f58531ec4ffba54234c35bba6c77_I20060701" decimals="2" name="slm:TierOneofGovernmentGuarantee" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE5MjI_cbe3cf52-4e36-4a2d-8f25-05e5bfa893ba">97</ix:nonFraction> percent reimbursement on all qualifying claims. For loans disbursed after October 1, 1993, and before July 1, 2006, we receive <ix:nonFraction unitRef="number" contextRef="ic22c49a356794b0797956409cd1529a5_I20060630" decimals="2" name="slm:TierTwoofGovernmentGuarantee" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzIwNDQ_01b519db-cc96-4796-aae5-32699e3f2140">98</ix:nonFraction> percent reimbursement on all qualifying claims. For loans disbursed prior to October 1, 1993, we receive <ix:nonFraction unitRef="number" contextRef="i3b4b75d1ac47461f9008aac6b9857eec_I19930930" decimals="2" name="slm:TierThreeofGovernmentGuarantee" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzIxNDQ_f1a51ec4-0e6e-4996-89d6-a3aff39b32cf">100</ix:nonFraction> percent reimbursement on all qualifying claims.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the third quarter of 2020, we sold our entire Personal Loan portfolio, including $<ix:nonFraction unitRef="usd" contextRef="iacddf89816ee4054a51937c7986e4c87_D20200701-20200930" decimals="-6" name="slm:NetProceedsFromSalesOfPersonalLoansHeldForInvestmentPrincipal" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzI5NDI_9c504699-c3e9-49c4-bb67-941388212c6b">697</ix:nonFraction>&#160;million of principal and $<ix:nonFraction unitRef="usd" contextRef="iacddf89816ee4054a51937c7986e4c87_D20200701-20200930" decimals="-6" name="slm:NetProceedsFromSalesOfPersonalLoansHeldForInvestmentAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzI5NjI_c4f3bfba-3ab9-48aa-b3bc-a55dbfc4e3af">7</ix:nonFraction>&#160;million in accrued interest, which resulted in a $<ix:nonFraction unitRef="usd" contextRef="i1ddee646368a45d395803050734a8450_D20200701-20200930" decimals="-6" name="us-gaap:DebtSecuritiesHeldToMaturityAllowanceForCreditLossWriteoff" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzMwMDY_54d2e7be-fca3-400f-8cbc-bf1bc9744b79">43</ix:nonFraction>&#160;million reduction to our provision for credit losses in that period. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2020, we recognized $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2OTUwODg_c02aa5f6-a39c-408d-9cd1-e49a0a887e3b">238</ix:nonFraction>&#160;million gains from the sale of approximately $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-8" name="us-gaap:ProceedsFromSaleOfLoansReceivable" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2OTUxMjg_20bee91e-1dcc-41df-bf3d-82e09054dc4a">3.1</ix:nonFraction>&#160;billion of our Private Education Loans, including $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-8" name="slm:NetProceedsFromSalesOfStudentLoansHeldForSalePrincipal" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2OTUxNzQ_c27d6fe5-9b83-4ef7-b305-cb71a1a9509e">2.9</ix:nonFraction>&#160;billion of principal and $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="slm:NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2OTUxOTU_e02bee87-b285-4079-89d2-75afff808d92">199</ix:nonFraction>&#160;million in capitalized interest, to unaffiliated third-parties. In 2021, we recognized $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2OTM1NDM_b97d7793-a1e7-46ec-bf8f-3b499219c6c7">548</ix:nonFraction>&#160;million gains from the sale of approximately $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-7" name="us-gaap:ProceedsFromSaleOfLoansReceivable" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2OTM2MDA_1a54a591-afd2-4605-8acc-0c4936fbc2ce">4.24</ix:nonFraction>&#160;billion of our Private Education Loans, including $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-7" name="slm:NetProceedsFromSalesOfStudentLoansHeldForSalePrincipal" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2OTM1NzE_3dd3ec36-5c1c-464d-9b53-e850b930d8f1">3.98</ix:nonFraction>&#160;billion of principal and $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="slm:NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2OTM2Mjg_ccb00cb6-b478-4ba1-bd09-7643d67911b4">264</ix:nonFraction>&#160;million in capitalized interest, to unaffiliated third-parties. There were VIEs created in the execution of certain of these loan sales; however, based on our consolidation analysis, we are not the primary beneficiary of these VIEs. These transactions qualified for sale treatment and removed the balance of the loans from our balance sheet on the respective settlement dates. We remained the servicer of these loans pursuant to applicable servicing agreements executed in connection with the sales. For additional information, see Notes to Consolidated Financial Statements, Note 11, &#8220;Borrowings - Unconsolidated VIEs.&#8221;</span></div></ix:continuation><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-33</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">5.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Loans Held for Investment (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i25ff6515519e4dba879fef7947649299" continuedAt="i04c6ea1c6c2143f7b12c68e69fff91f8"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:StudentLoanPortfolioByProgramTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE4MjA5_2f5a9e2a-40c9-4994-b61f-fcfe627759c0" continuedAt="i2a216a104fca4de9806422087b8870b0" escape="true"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans held for investment are summarized as follows:</span></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"><tr><td style="width:1.0%"></td><td style="width:57.344%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.911%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.911%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.679%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Private Education Loans:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i44c359f83bc1427c9110c56f1d2a0625_I20211231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzMtMi0xLTEtMA_15223ba5-e10e-4ca4-a559-df44c0250a19">9,920,547</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib25b4a8b407342b2850c4ce05118b7fb_I20201231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzMtNC0xLTEtMA_de5ce883-9c82-4eb8-b789-4a12cef2ec09">8,950,216</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable-rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6623fc422c4742edad568bd2112d1060_I20211231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzQtMi0xLTEtMA_b46c9938-129e-4f74-9837-e4d1cc186fa5">10,796,316</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i3fbe1f94189f44febe9e2708c3df9cb2_I20201231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzQtNC0xLTEtMA_2cc0d37e-0eef-409f-bfe3-21ca5ee3d5ff">10,779,121</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1babd1005b814af9b6f289a1c39f4966_I20211231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzUtMi0xLTEtMA_8372d185-507c-43eb-832e-18c1db29a2cc">20,716,863</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i86c1073c43504ea0be074749f8b9413c_I20201231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzUtNC0xLTEtMA_2565f173-040e-4296-8950-1a2291e51e14">19,729,337</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/ (discount)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1babd1005b814af9b6f289a1c39f4966_I20211231" decimals="-3" name="us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzYtMi0xLTEtMA_625949dc-f648-496d-834a-16902138838b">67,488</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i86c1073c43504ea0be074749f8b9413c_I20201231" decimals="-3" name="us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzYtNC0xLTEtMA_5f5baa73-3d95-4630-bee5-01215f00f5d9">63,475</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i1babd1005b814af9b6f289a1c39f4966_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzctMi0xLTEtMA_08f12a3a-2e2e-42b2-9d5b-d522828bcb64">1,158,977</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i86c1073c43504ea0be074749f8b9413c_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzctNC0xLTEtMA_0284598c-f134-4551-8aaa-201cf3d7e2e2">1,355,844</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1babd1005b814af9b6f289a1c39f4966_I20211231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzgtMi0xLTEtMA_5b05eb6d-db44-454e-80e6-95609aeafaca">19,625,374</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i86c1073c43504ea0be074749f8b9413c_I20201231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzgtNC0xLTEtMA_19e4a4a3-79cf-4c4c-9062-1e878094173b">18,436,968</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i09d79ed5cadf4995a0ab7025304bd886_I20211231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzEwLTItMS0xLTA_85c14eba-4757-4b07-a979-62d4e6a0e3fb">695,216</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic7d229f43bd34f9dad6c809fd74b66ab_I20201231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzEwLTQtMS0xLTA_36a048ae-cea4-4978-a41e-3823755c2093">737,593</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/ (discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i09d79ed5cadf4995a0ab7025304bd886_I20211231" decimals="-3" name="us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzExLTItMS0xLTA_5fde65b2-b3ea-42e8-9380-f6f0eddfa4a9">1,815</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic7d229f43bd34f9dad6c809fd74b66ab_I20201231" decimals="-3" name="us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzExLTQtMS0xLTA_ca6d9ecf-73b2-4138-8b6c-d46aad0b26b0">1,993</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i09d79ed5cadf4995a0ab7025304bd886_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzEyLTItMS0xLTA_4eef30ab-1cae-46b7-ac65-cf1708090476">4,077</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ic7d229f43bd34f9dad6c809fd74b66ab_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzEyLTQtMS0xLTA_15ad278f-b18c-4903-9dec-7b05e2e02969">4,378</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total FFELP Loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i09d79ed5cadf4995a0ab7025304bd886_I20211231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzEzLTItMS0xLTA_c01387fa-fdfd-46dc-ba5e-ff2367b68845">692,954</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic7d229f43bd34f9dad6c809fd74b66ab_I20201231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzEzLTQtMS0xLTA_61e3fb98-4470-4443-945b-354149151754">735,208</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Credit Cards (fixed-rate)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2b11858de7d348a29e3865abb4806179_I20211231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzIwLTItMS0xLTA_735cc038-ae39-4aa6-95a9-b5f4a16c2430">25,014</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id5ba594eeac2485c9d65c382a1861b07_I20201231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzIwLTQtMS0xLTA_08d0001b-3d5d-4ea2-9cb2-e126f5f5de8a">12,238</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/ (discount)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2b11858de7d348a29e3865abb4806179_I20211231" decimals="-3" name="us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzIxLTItMS0xLTA_d6a1299e-de48-47b3-b029-2ba98a45f39a">222</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id5ba594eeac2485c9d65c382a1861b07_I20201231" decimals="-3" name="us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzIxLTQtMS0xLTA_4a48f97e-c6d7-4add-b67e-42f744620489">230</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i2b11858de7d348a29e3865abb4806179_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzIyLTItMS0xLTA_dd8c4173-4b4c-41dc-8534-c71e26d4eb23">2,281</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="id5ba594eeac2485c9d65c382a1861b07_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzIyLTQtMS0xLTA_1ec3c670-fd53-42d8-bfce-8ae28172945b">1,501</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Credit Cards, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2b11858de7d348a29e3865abb4806179_I20211231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzIzLTItMS0xLTA_6e7b7ff8-5ce0-4e11-af89-3b55bbf04689">22,955</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt 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1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Loans held for investment, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzI1LTItMS0xLTA_52085212-0fde-4bd5-99bc-31c9c7e723cd">20,341,283</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiNWE5YTE2ZWVjOTA0NmZiOWY2MzE2NmZlZTg4M2FkMy90YWJsZXJhbmdlOmI1YTlhMTZlZWM5MDQ2ZmI5ZjYzMTY2ZmVlODgzYWQzXzI1LTQtMS0xLTA_0e15c1e9-8017-4009-9ea8-609e2a6d5264">19,183,143</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated weighted average life of education loans in our portfolio was approximately <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:EstimatedWeightedAverageLifeOfStudentLoans" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2OTM2Njg_bb23b4b9-eebe-4a15-9532-52fae6a6ed5c">4.7</ix:nonNumeric> years and <ix:nonNumeric contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" name="slm:EstimatedWeightedAverageLifeOfStudentLoans" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzMyMDU_33ab3051-b89a-4df1-91d0-9077cd9c13d1">5.4</ix:nonNumeric> years at December&#160;31, 2021 and 2020, respectively. </span></div></ix:nonNumeric></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-34  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">5.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Loans Held for Investment (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="text-indent:24.75pt"><span><br/></span></div><ix:continuation id="i04c6ea1c6c2143f7b12c68e69fff91f8" continuedAt="i4d450bd8fd194dae9a64d58350cd86d3"><ix:continuation id="i2a216a104fca4de9806422087b8870b0"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The average balance and the respective weighted average interest rates of loans in our portfolio are summarized as follows:</span></div><div style="text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.500%"><tr><td style="width:1.0%"></td><td style="width:26.201%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.069%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.757%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.593%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.058%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.593%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.439%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.593%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.582%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.593%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.439%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.593%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.590%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Weighted Average Interest Rate</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if7ab7154d8364534902c9cd677be93b6_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzMtMi0xLTEtMA_6ec4c782-b7da-4a8f-ad37-6dfcca0634ca">20,968,061</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="if7ab7154d8364534902c9cd677be93b6_D20210101-20211231" decimals="4" name="slm:WeightedAverageInterestRateonLoans" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzMtNC0xLTEtMA_3619e619-6769-49e9-8636-e019f5cf7476">8.25</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i37853dec71b944cca19241baf068fa49_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzMtNi0xLTEtMA_39754c37-729e-4028-9318-d5a5ac103aa2">22,426,216</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid 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style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifed90c456ea94d1b949bcef699055af2_D20190101-20191231" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzMtMTAtMS0xLTA_8a56cfbd-8c13-46f6-8f06-39cdf7141fc7">22,225,473</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ifed90c456ea94d1b949bcef699055af2_D20190101-20191231" decimals="4" name="slm:WeightedAverageInterestRateonLoans" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzMtMTItMS0xLTA_062222fd-e9a2-4e27-8218-c57c5ef2bb17">9.32</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i456417ebb2d94efab2a23051203dbbee_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzQtNi0xLTEtMA_82b2246b-23c6-45e3-b5db-524383fc15c4">757,953</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i456417ebb2d94efab2a23051203dbbee_D20200101-20201231" decimals="4" name="slm:WeightedAverageInterestRateonLoans" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzQtOC0xLTEtMA_90ee68c3-0cd4-4a9c-bf11-83443de2c647">3.76</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5e162260a18343289806a425cb72369c_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzUtMi0xLTEtMA_6ca941d7-f563-4a85-94d7-04b711600cbe">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i5e162260a18343289806a425cb72369c_D20210101-20211231" decimals="4" name="slm:WeightedAverageInterestRateonLoans" format="ixt:fixed-zero" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzUtNC0xLTEtMA_5ed73f49-166c-4e44-87bf-3d6d0699b940">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8edb59f828c7462393944eeca0713590_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzUtNi0xLTEtMA_93862d22-f1fd-42c9-b0d2-644d61436ad5">582,552</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8edb59f828c7462393944eeca0713590_D20200101-20201231" decimals="4" name="slm:WeightedAverageInterestRateonLoans" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzUtOC0xLTEtMA_78f33e9b-376b-4d4f-948d-6b6c7d996181">12.43</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if0789e60c3d04b27b25e6e4df81a6cf8_D20190101-20191231" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzUtMTAtMS0xLTA_77aab0bd-5e02-4c71-b5c3-0dd4b82ae7b5">1,141,503</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="if0789e60c3d04b27b25e6e4df81a6cf8_D20190101-20191231" decimals="4" name="slm:WeightedAverageInterestRateonLoans" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzUtMTItMS0xLTA_e36e3600-63a9-418c-aa32-7943fe801afc">12.09</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8c12d64af34046f28914247a6fe1dd52_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzYtMi0xLTEtMjI3OTM_61a82b0e-e2a3-42b4-8e39-56d0c9385424">14,982</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8c12d64af34046f28914247a6fe1dd52_D20210101-20211231" decimals="4" name="slm:WeightedAverageInterestRateonLoans" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzYtNC0xLTEtMjI3OTM_b867292d-7c13-4c73-ab01-5fac0d7f2fad">4.67</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ieb0feeabba8647649fc2ce17775b318f_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzYtNi0xLTEtMjI3OTM_1d376c82-9769-4b5c-b04f-dc513cdb0448">9,390</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="number" contextRef="ieb0feeabba8647649fc2ce17775b318f_D20200101-20201231" decimals="4" sign="-" name="slm:WeightedAverageInterestRateonLoans" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzYtOC0xLTEtMjI3OTM_29a0b8f5-70c4-431d-8ae7-46313e493eab">6.04</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6c11a1f283d64cdcbf5df8e9961e1071_D20190101-20191231" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzYtMTAtMS0xLTIyNzkz_11f5b5bf-902d-42d5-b5e9-4473691290cb">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i6c11a1f283d64cdcbf5df8e9961e1071_D20190101-20191231" decimals="4" name="slm:WeightedAverageInterestRateonLoans" format="ixt:fixed-zero" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzYtMTItMS0xLTIyNzkz_92268ae5-2e75-47f8-ae1a-ebe1c00f08a7">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total portfolio</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzYtMi0xLTEtMA_cc29135c-78e1-4ce3-88a2-46bc1afc7a53">21,701,229</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzYtNi0xLTEtMA_6f590916-576c-435d-a141-3ebfcbe2f39f">23,776,111</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTo5ODIxMzI4NmZmNDE0NTVhOGZkNjRiN2M1MDUxMmZkYi90YWJsZXJhbmdlOjk4MjEzMjg2ZmY0MTQ1NWE4ZmQ2NGI3YzUwNTEyZmRiXzYtMTAtMS0xLTA_706443ea-3672-40ad-8ef3-af58da2da695">24,181,174</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr></table></div></ix:continuation><div><span><br/></span></div><div><span><br/></span></div><div style="text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Certain Collection Tools &#8212; Private Education Loans</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations and achieve better student outcomes, and increase the collectability of the loan. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. Forbearance is granted prospectively for borrowers who are current in their payments and may be granted retroactively for certain delinquent borrowers.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Forbearance allows a borrower to not make scheduled payments for a specified period of time. Using forbearance extends the original term of the loan by the term of forbearance taken. Forbearance does not grant any reduction in the total principal or interest repayment obligation. While a loan is in forbearance status, interest continues to accrue and is capitalized (added to principal) at the end of the forbearance. Interest will not capitalize at the end of certain types of forbearance, such as disaster forbearance, however.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We grant forbearance through our servicing centers to borrowers who are current in their payments and through our collections centers to certain borrowers who are delinquent. Our forbearance policies and practices vary depending upon whether a borrower is current or delinquent at the time forbearance is requested, generally with stricter payment requirements for delinquent borrowers. We view the population of borrowers that use forbearance positively because the borrowers are either proactively reaching out to us to obtain assistance in managing their obligations or are working with our collections center to bring their loans current.  </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Forbearance may be granted through our servicing centers to customers who are exiting their grace period, and to other customers who are current in their payments, to provide temporary payment relief. In these circumstances, a customer&#8217;s loan is placed into a forbearance status in limited monthly increments and is reflected in the forbearance status at month-end during this time. At the end of the forbearance period, the customer will enter repayment status as current and is expected to begin making scheduled monthly payments.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Forbearance may also be granted through our collections centers to customers who are delinquent in their payments. If specific payment requirements are met, the forbearance can cure the delinquency and the customer is returned to a current repayment status. Forbearance as a collection tool is used most effectively when applying historical experience and our judgment to a customer&#8217;s unique situation. We leverage updated customer information and other decision support tools to best determine who will be granted forbearance based on our expectations as to a customer&#8217;s ability and willingness to repay their obligation. This strategy is aimed at assisting customers while mitigating the risks of delinquency and default as well as encouraging resolution of delinquent loans. In most instances, we require <ix:nonFraction unitRef="payment" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="0" name="slm:FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance" format="ixt-sec:numwordsen" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2Njc2MDk_306011bb-89d1-4bf1-9bdf-a49d6a69347a">one</ix:nonFraction> payment, as an indication of a customer&#8217;s willingness and ability to repay, before granting forbearance to delinquent borrowers.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Historically, we have utilized disaster forbearance to assist borrowers affected by material events, including hurricanes, wildfires, floods, and the COVID-19 pandemic. We typically grant disaster forbearance to affected borrowers in increments of up to <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2Njc2MTA_0cbdbcc0-82cc-48bd-95aa-d93bb9036c77">three months</ix:nonNumeric> at a time, but the disaster forbearance granted generally does not apply toward the <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzM4NDgyOTA3NjA5NjU_bb6fd41c-51ea-4688-89fe-70041f296140">12-month</ix:nonNumeric> forbearance limit described below.</span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-35</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">5.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Loans Held for Investment (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><ix:continuation id="i4d450bd8fd194dae9a64d58350cd86d3" continuedAt="i0e91a9f1f24e4641af3ac7963be5bb79"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During COVID-19, our customers experienced higher levels of financial hardship, which initially led to higher levels of forbearance. We expect for some customers financial hardship may lead to higher levels of delinquencies and defaults in the future, as borrowers who had received disaster forbearance from us re-enter repayment status. Beginning in June 2021, we stopped granting disaster forbearance in response to the COVID-19 pandemic. As borrowers in the various delinquency buckets exit disaster forbearance and begin to enter repayment, we expect elevated levels of losses on this segment of our customers. We expect that, left unabated, this deterioration in delinquency and default rates may persist until economic conditions return to pre-pandemic levels.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management continually monitors our credit administration practices and may periodically modify these practices based upon performance, industry conventions, and/or regulatory feedback. In light of these considerations, we previously announced certain planned changes to our credit administration practices, including the imposition of limits on the number of forbearance months granted consecutively and the number of times certain extended or reduced repayment alternatives may be granted.  Prior to implementation of the previously announced changes, borrowers could receive consecutive forbearance grants without intervening payments of principal and interest, if they satisfied all eligibility requirements.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We commenced testing in October 2019 for some of the previously announced planned changes on a very small percentage of our total portfolio and in March 2020 we began to expand the number of borrowers who would be subject to the new credit administration practices. However, due to the COVID-19 pandemic, in April 2020 we postponed our efforts so that we could be more flexible in dealing with our customers&#8217; financial hardship. In October 2020, we re-initiated a multi-phased deployment of certain previously announced credit administration practices changes. In October 2021, we announced additional planned changes to our credit administration practices, which we implemented in December 2021.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Currently, we generally grant forbearance in increments of <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzAxNzY_4680ee78-12c7-4bbc-9040-f012c34bbfd8">one</span> to <ix:nonNumeric contextRef="i65e79e3f2d474b78b84a1ba5a5f4a3a6_D20210101-20211231" name="slm:FinancingReceivableIncrementsInWhichForbearanceIsGranted" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzAxNzc_2b5287e2-2b3f-4ba7-acaf-5640d4b12cd0">two months</ix:nonNumeric> at a time, for up to <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" format="ixt-sec:durmonth" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzAxNzg_81186396-0c65-4f7a-a5d8-579d5e6ce279">12</ix:nonNumeric> months over the life of the loan, although disaster forbearance and certain assistance we grant to borrowers who are still in school do not apply toward the <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzM4NDgyOTA3NjEwMDY_28214486-db21-4eb5-b617-33ff9e19f1a2">12-month</ix:nonNumeric> limit. We also currently require <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants" format="ixt-sec:durmonth" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzAxOTY_3c03e822-d8e4-47d5-9476-7c27e4847162">12</ix:nonNumeric> months of positive payment performance by a borrower (meaning the borrower must make payment in a cumulative amount equivalent to <ix:nonFraction unitRef="payment" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="slm:FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzAxODk_5c439221-15b2-41c9-a5e9-cfb28dc4fb2e">12</ix:nonFraction> monthly required payments under the loan) between successive grants of forbearance and between forbearance grants and certain other repayment alternatives. This required period of positive payment performance does not apply, however, to forbearances granted during the first <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:FinancingReceivablePeriodExcludedFromDisallowanceOfForbearanceFollowingGracePeriod" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzAxOTA_fc7b7838-4338-4ca6-b566-47d09b40f7b1">six months</ix:nonNumeric> following a borrower&#8217;s grace period and is not required for a borrower to receive a contractual interest rate reduction. In addition, we currently limit the participation of delinquent borrowers in certain short-term extended or interest-only repayment alternatives to once in <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1" format="ixt-sec:durmonth" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzAyMDA_5bbfd830-c3dd-4f3e-b7f5-e9155f6b3c09">12</ix:nonNumeric> months and twice in <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzAxODg_37fba4d1-48e8-46a1-a0fa-a236abfee745">five years</ix:nonNumeric>. We also now count the number of months a borrower receives a short-term extended repayment alternative toward the <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzM4NDgyOTA3NjExNjg_4361daa8-064f-49fa-8958-8a20d16ae392">12-month</ix:nonNumeric> forbearance limit described above.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We also offer rate and term modifications to customers experiencing more severe hardship. Currently, we temporarily reduce the contractual interest rate on a loan to <ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="3" name="slm:InterestRateReductionPercentage" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzkyNzM_828a8ba0-0ac1-4491-b855-03c164a5738c">4</ix:nonFraction> percent for a <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:LoansAndLeasesReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzM4NDgyOTA3NjY1Nzk_3624857c-907b-410e-8820-5afba46a1331">two-year</ix:nonNumeric> period and, in the vast majority of cases, permanently extend the final maturity date of the loan. As part of demonstrating the ability and willingness to pay, the customer must make three consecutive monthly payments at the reduced payment to qualify for the program. The combination of the rate reduction and maturity extension helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate. We currently limit the granting of a permanent extension of the final maturity date of the loan under our loan modification program to <ix:nonFraction unitRef="numberofextensions" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="slm:FinancingReceivableAvailableExtensionsOfFinalMaturityDateOfLoanLoansAndLeasesReceivableAvailableExtensionsOfFinalMaturityDateOfLoanFinancialDifficultyStatus" format="ixt-sec:numwordsen" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzIwODU_f75d3476-df49-48d6-9844-cd02d817f741">one</ix:nonFraction> time over the life of the loan. We also currently permit <ix:nonFraction unitRef="ratereduction" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="slm:FinancingReceivableAvailableRateReductionsFinancialDifficultyStatus" format="ixt-sec:numwordsen" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzIwOTA_6ffe6435-9519-44e6-bc33-ecd2a6000874">two</ix:nonFraction> consecutive rate reductions to <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzIxMDM_66257a7d-92f6-40e5-9b4c-c6b261dbc064">4.0</ix:nonFraction> percent so long as the borrower qualifies and makes <ix:nonFraction unitRef="payment" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="slm:FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus" format="ixt-sec:numwordsen" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzIxMTA_641a06d8-ed5b-464f-a6c1-a4e102e01ba4">three</ix:nonFraction> consecutive monthly payments at the reduced payment in connection with each rate reduction. We currently require <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrantsFinancialDifficultyStaus" format="ixt-sec:durmonth" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzIxMjI_7f46f182-4c08-4c0b-91c7-7f5249558bbb">12</ix:nonNumeric> months of positive payment performance after the interest rate adjusts upward to its previous rate (at the end of the rate reduction periods) before the borrower may be eligible for a forbearance or certain other repayment alternatives, however. We also now limit the number of interest rate reductions to twice over the life of the loan.  At December&#160;31, 2021 and December&#160;31, 2020, <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:LoansSubjectToInterestRateReductionsPercent" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE0NTQ5_528ea7d2-9ca1-4489-b2d9-c835fa69c38b">7.2</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:LoansSubjectToInterestRateReductionsPercent" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE0NTU2_21096619-dc63-486c-b9c3-421bc64bc8eb">7.8</ix:nonFraction> percent, respectively, of our loans then currently in full principal and interest repayment status were subject to interest rate reductions made under our rate modification program.</span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-36  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">5.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Loans Held for Investment (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i0e91a9f1f24e4641af3ac7963be5bb79" continuedAt="ib24076425e4a4674827bcfb3604dd1d3"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">While there are limitations to our estimate of the future impact of the various credit administration practices changes we have implemented, absent the effect of any mitigating measures, we expect that the credit administration practices described above, including the changes we implemented in December 2021, will accelerate periodic defaults and could increase periodic defaults in our Private Education Loan held for investment portfolio by approximately <ix:nonFraction unitRef="number" contextRef="icaab66d619d24add80e54bfa742579c8_D20210101-20211231" decimals="3" name="slm:IncreaseToLifeOfLoanDefaults" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE1NTE3_02daf108-6e39-4b24-8c64-59b5654a98d6">10.1</ix:nonFraction> percent to <ix:nonFraction unitRef="number" contextRef="i65e79e3f2d474b78b84a1ba5a5f4a3a6_D20210101-20211231" decimals="3" name="slm:IncreaseToLifeOfLoanDefaults" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE1NTIz_a457973e-a1a7-4cc0-b585-f55603d43b5c">16.6</ix:nonFraction> percent. Among the measures that we have implemented and may modify further and expect may partly offset or moderate any acceleration of or increase in defaults will be greater focus on the risk assessment process to ensure borrowers are mapped to the appropriate program, better utilization of existing loss mitigation programs (e.g., Graduated Repayment Period program (&#8220;GRP&#8221;) and rate modifications), and the use of a program offering short-term payment reductions (permitting interest-only payments for up to six months) for certain early-stage delinquencies.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The full impact of these changes to our collections practices described above will only be realized over the long term. When we calculated the allowance for credit losses under CECL at December 31, 2021, our loan loss reserves were significantly impacted because we expect the life of loan defaults on our overall Private Education Loan portfolio to increase, in part as a result of the changes to our credit administration practices described above. We expect to learn more about how our borrowers are reacting to these changes to our credit administration practices and, as we analyze such reactions, we will continue to refine our estimates of the impact of those changes on our allowance for credit losses.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As discussed above, we will continue to monitor our credit administration practices and may modify them further from time to time based upon performance, industry conventions, and/or regulatory feedback. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The period of delinquency for loans is based on the number of days scheduled payments are contractually past due. As of December&#160;31, 2021 and 2020, we had $<ix:nonFraction unitRef="usd" contextRef="i1babd1005b814af9b6f289a1c39f4966_I20211231" decimals="-6" name="us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE2OTgx_3f6172ef-98db-49d6-9df5-64d2a4cc5531">80</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="i86c1073c43504ea0be074749f8b9413c_I20201231" decimals="-6" name="us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE2OTk2_f00ba301-eca6-4cf6-ba41-67594d8dd4d0">81</ix:nonFraction>&#160;million, respectively, of Private Education Loans held for investment and $<ix:nonFraction unitRef="usd" contextRef="i09d79ed5cadf4995a0ab7025304bd886_I20211231" decimals="-6" name="us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE3MDcz_7418f100-6aa5-4ca8-b3f7-3f16ba8c09a2">34</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="ic7d229f43bd34f9dad6c809fd74b66ab_I20201231" decimals="-6" name="us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE3MDg4_fc4f3aa9-31e6-4f45-bec7-8bc3b36f223b">36</ix:nonFraction> million, respectively, of FFELP Loans held for investment which were more than <ix:nonNumeric contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" name="slm:PeriodofLoansPastDueThatHaveAccruedInterest" format="ixt-sec:durday" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE3MTcw_2e6e679f-2fa5-4a46-885a-302df9fcbe0d"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:PeriodofLoansPastDueThatHaveAccruedInterest" format="ixt-sec:durday" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE3MTcw_cfb66290-04c2-4d53-bd49-7901c68de933">90</ix:nonNumeric></ix:nonNumeric> days delinquent that continue to accrue interest. At December&#160;31, 2021 and 2020, we had <ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="0" name="slm:LoansinNonaccrualStatus" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE3MjQ0_905811cc-87a4-4f18-80fa-41939470a516"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="slm:LoansinNonaccrualStatus" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE3MjQ0_c58c1d98-c9fa-4313-bc8c-0c7551c44d02">no</ix:nonFraction></ix:nonFraction> loans in nonaccrual status.</span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Borrower-in-Custody Arrangements</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain Borrower-in-Custody arrangements with the FRB. Under these arrangements, we can pledge FFELP Loans or Private Education Loans to the FRB to secure any advances and accrued interest generated under the Primary Credit program at the FRB. As of December&#160;31, 2021 and 2020, we had $<ix:nonFraction unitRef="usd" contextRef="i1babd1005b814af9b6f289a1c39f4966_I20211231" decimals="-8" name="slm:LoanspledgedtoBorrowerinCustody" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE3NTgw_3d5a2352-916e-4987-b19e-778a9c01fb49">2.9</ix:nonFraction> billion and $<ix:nonFraction unitRef="usd" contextRef="i86c1073c43504ea0be074749f8b9413c_I20201231" decimals="-8" name="slm:LoanspledgedtoBorrowerinCustody" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE3NTk1_976f6109-90b4-4756-83fd-62af09a2efc3">3.3</ix:nonFraction> billion, respectively, of Private Education Loans pledged to this borrowing facility, as discussed further in Note 11, &#8220;Borrowings.&#8221; We did not have any FFELP consolidation loans pledged at December 31, 2021 or 2020. </span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:LoansheldforinvestmentbyRegionTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE4MjE2_1e691041-3826-4814-bb91-50415aaaf02a" escape="true"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Held for Investment by Region</span></div><div style="margin-top:9pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2021 and 2020, <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:PercentageofLoansconcentratedinmajorstates" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE3ODU5_8b35a41f-661c-4529-9978-37b186fdf09f">38.4</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:PercentageofLoansconcentratedinmajorstates" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2OTM3Mjk_babec470-e6ee-4a54-a881-f3dfbc42731e">38.8</ix:nonFraction> percent, respectively,  of total education loans were concentrated in the following states: </span></div><div style="margin-top:9pt;text-align:center;text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:36.944%"><tr><td style="width:1.0%"></td><td style="width:43.636%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.679%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.087%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:1.907%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.091%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As of December 31,</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiY2ZlOTU1MDI3YmQ0YWRlOTFkOGMxYWIwMWM5OTgzZS90YWJsZXJhbmdlOmJjZmU5NTUwMjdiZDRhZGU5MWQ4YzFhYjAxYzk5ODNlXzEtMi0xLTEtMA_d7b58f73-3752-4d0c-9cd1-d6e9721c673d">9.4</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ic3eb66acf1e24c8681dca536809a638c_I20201231" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiY2ZlOTU1MDI3YmQ0YWRlOTFkOGMxYWIwMWM5OTgzZS90YWJsZXJhbmdlOmJjZmU5NTUwMjdiZDRhZGU5MWQ4YzFhYjAxYzk5ODNlXzItNC0xLTEtMzIzMzY_62d34907-8744-453b-9464-89c96776306a">9.6</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pennsylvania</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i992c2beceec540b6afdba75a5a1b00f9_I20211231" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiY2ZlOTU1MDI3YmQ0YWRlOTFkOGMxYWIwMWM5OTgzZS90YWJsZXJhbmdlOmJjZmU5NTUwMjdiZDRhZGU5MWQ4YzFhYjAxYzk5ODNlXzMtMi0xLTEtMA_6624d330-a55d-426f-8e21-23f0e17993b4">7.8</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i11db028a8d214303a87f645257bdd667_I20201231" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiY2ZlOTU1MDI3YmQ0YWRlOTFkOGMxYWIwMWM5OTgzZS90YWJsZXJhbmdlOmJjZmU5NTUwMjdiZDRhZGU5MWQ4YzFhYjAxYzk5ODNlXzMtNC0xLTEtMzIzMzY_bfbe8acc-9ff5-41b1-9a3a-696506667dcf">8.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiY2ZlOTU1MDI3YmQ0YWRlOTFkOGMxYWIwMWM5OTgzZS90YWJsZXJhbmdlOmJjZmU5NTUwMjdiZDRhZGU5MWQ4YzFhYjAxYzk5ODNlXzQtMi0xLTEtMA_3598a9b9-dec1-44eb-96df-11ebc045e101">6.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i35b82e2c4a4d4a348fcaeaabf0c0ec2e_I20201231" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiY2ZlOTU1MDI3YmQ0YWRlOTFkOGMxYWIwMWM5OTgzZS90YWJsZXJhbmdlOmJjZmU5NTUwMjdiZDRhZGU5MWQ4YzFhYjAxYzk5ODNlXzQtNC0xLTEtMzIzMzY_0e2f26b0-83cc-4ccf-b392-ab4ce716cd73">6.2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Texas</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ie7c45faeea2d4a0aa4615eefbb8e896e_I20211231" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiY2ZlOTU1MDI3YmQ0YWRlOTFkOGMxYWIwMWM5OTgzZS90YWJsZXJhbmdlOmJjZmU5NTUwMjdiZDRhZGU5MWQ4YzFhYjAxYzk5ODNlXzUtMi0xLTEtMA_2495b471-72a3-4a99-9600-97e4066965c0">5.6</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i5f148ebea30443949caaea220c45a09e_I20201231" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiY2ZlOTU1MDI3YmQ0YWRlOTFkOGMxYWIwMWM5OTgzZS90YWJsZXJhbmdlOmJjZmU5NTUwMjdiZDRhZGU5MWQ4YzFhYjAxYzk5ODNlXzUtNC0xLTEtMzIzMzY_2231838e-d744-480a-9839-9bebccb079f4">5.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:PercentageofLoansconcentratedinmajorstates" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiY2ZlOTU1MDI3YmQ0YWRlOTFkOGMxYWIwMWM5OTgzZS90YWJsZXJhbmdlOmJjZmU5NTUwMjdiZDRhZGU5MWQ4YzFhYjAxYzk5ODNlXzYtMi0xLTEtMA_6d22d353-bc3e-404c-9002-b3425afe2470">38.4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:PercentageofLoansconcentratedinmajorstates" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90YWJsZTpiY2ZlOTU1MDI3YmQ0YWRlOTFkOGMxYWIwMWM5OTgzZS90YWJsZXJhbmdlOmJjZmU5NTUwMjdiZDRhZGU5MWQ4YzFhYjAxYzk5ODNlXzYtNC0xLTEtMzIzMzY_71683248-3bf5-480d-924c-9cf32d0952a3">38.8</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">No other state had a concentration of total education loans in excess of <ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="slm:PercentageofAggregateOutstandingLoansHeldForInvestment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE4MTIw_a188ab0c-2618-4fe8-8c83-a4e9c3be155b">5</ix:nonFraction> percent of the aggregate outstanding education loans held for investment.</span></div></ix:nonNumeric></ix:continuation><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span><br/></span></div><div id="i35472170320a48e7aebfc3743129a2e0_109"></div><div><span><br/></span></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-37</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.722%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">6. <ix:continuation id="ib24076425e4a4674827bcfb3604dd1d3" continuedAt="i98415cde286e41f5ac88288777fbfbc8"> Loans Held for Sale</ix:continuation></span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i98415cde286e41f5ac88288777fbfbc8">We had <ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-8" name="us-gaap:LoansReceivableHeldForSaleNetNotPartOfDisposalGroup" format="ixt:fixed-zero" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDkvZnJhZzplNzYxZTQ1YzQ3ZmI0M2NjYjVlZjVlNmM0NzU5NGZhZS90ZXh0cmVnaW9uOmU3NjFlNDVjNDdmYjQzY2NiNWVmNWU2YzQ3NTk0ZmFlXzQw_5d42250a-09ad-4d8c-bdae-1deb0c18f581">no</ix:nonFraction> loans held for sale at December 31, 2021 and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-8" name="us-gaap:LoansReceivableHeldForSaleNetNotPartOfDisposalGroup" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDkvZnJhZzplNzYxZTQ1YzQ3ZmI0M2NjYjVlZjVlNmM0NzU5NGZhZS90ZXh0cmVnaW9uOmU3NjFlNDVjNDdmYjQzY2NiNWVmNWU2YzQ3NTk0ZmFlXzkx_51614d5b-31ef-4377-a223-4acdec1ffba3">2.9</ix:nonFraction>&#160;billion loans held for sale at December 31, 2020. At December 31, 2020, we reversed $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" sign="-" name="us-gaap:DebtSecuritiesHeldToMaturitySale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDkvZnJhZzplNzYxZTQ1YzQ3ZmI0M2NjYjVlZjVlNmM0NzU5NGZhZS90ZXh0cmVnaW9uOmU3NjFlNDVjNDdmYjQzY2NiNWVmNWU2YzQ3NTk0ZmFlXzE3MA_a3eeb53b-8eee-4bbe-83c5-a4d16e494f87">206</ix:nonFraction>&#160;million through the provisions for credit losses for the allowance related to these loans, when the loans were transferred from held for investment to held-for-sale. For additional information on loan sales, see Note 5, &#8220;Loans Held for Investment,&#8221; and Note 11, &#8220;Borrowings &#8212; Unconsolidated VIEs.&#8221;</ix:continuation></span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div id="i35472170320a48e7aebfc3743129a2e0_112"></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">7.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:AllowanceForCreditLossesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NjIw_90fdcc1d-8aa4-4ee8-b6d0-974af83da0f9" continuedAt="i382a47ab7bfe4b9daf24c3da48944e41" escape="true">Allowance for Credit Losses</ix:nonNumeric></span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i382a47ab7bfe4b9daf24c3da48944e41" continuedAt="if656d2df3b1943859ecea8a0dbfc1a6e">Our provision for credit losses represents the periodic expense of maintaining an allowance sufficient to absorb lifetime expected credit losses in the held for investment loan portfolios. The evaluation of the allowance for credit losses is inherently subjective, as it requires material estimates that may be susceptible to significant changes. We believe the allowance for credit losses is appropriate to cover lifetime expected losses incurred in the loan portfolios. See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses - 2021 and 2020, &#8212; Allowance for Private Education Loan Losses - 2021 and 2020, &#8212; Allowance for FFELP Loan Losses - 2021 and 2020, &#8212; Allowance for Credit Card Loans - 2021 and 2020, &#8212; Allowance for Credit Losses - 2019, &#8212; Allowance for Private Education Loan Losses - 2019, &#8212; Allowance for FFELP Loan Losses - 2019, and &#8212; Allowance for Credit Card Loans - 2019&#8221; for a more detailed discussion. </ix:continuation></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NjQ0_31489994-7c73-4d66-9e20-7898bdbade22" continuedAt="if1c163b07c884c2bab44b8a262c0f58a" escape="true"></ix:nonNumeric><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-38  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Allowance for Credit Losses (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="if656d2df3b1943859ecea8a0dbfc1a6e" continuedAt="ia1609a385c87420cac1160428791c293"><ix:continuation id="if1c163b07c884c2bab44b8a262c0f58a" continuedAt="i632dcead444a4948977fbcab212c61c9"><div style="text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Losses Metrics</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.388%"><tr><td style="width:1.0%"></td><td style="width:44.340%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.559%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.121%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.559%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.553%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.559%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:9.994%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.559%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.456%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP&#160;<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private&#160;Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Allowance for Credit Losses</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i36fae22e6bae42da8853efaa67ba3f6f_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzQtMi0xLTEtMA_e2ce926c-2128-4284-bd8d-0eec59e3e5eb">4,378</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib983218657274c089ef4fd1a5788b3ec_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzQtOC0xLTEtMA_15d8affb-53fa-4d12-b1b9-eb95bfec6ed2">1,501</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzQtMTAtMS0xLTA_e488724e-1139-40fc-b6e6-c3fb4b0eabce">1,361,723</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Transfer from unfunded commitment liability</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzctMi0xLTEtMA_914a3578-f20e-41e3-b60a-3bf79695ff2d">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzctNC0xLTEtMA_dea98cb2-ce3a-42f3-826e-bf987cc4baee">301,655</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ica1089add5c54ccbb312565a907dff63_D20210101-20211231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzctOC0xLTEtMA_ea7a0ba0-e875-4748-a438-fede26585831">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzctMTAtMS0xLTA_cbce8396-bce0-41ce-8d98-a18633c0601b">301,655</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Provisions:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Provision for current period</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="-3" name="us-gaap:ProvisionForLoanLossesExpensed" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzktMi0xLTEtMA_7ef72aa3-328f-4e44-bfe1-c9a48f8bf0a8">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:ProvisionForLoanLossesExpensed" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzktNC0xLTEtMA_b9b73c84-90f4-4770-ae25-7e93b7bdd264">233,852</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:ProvisionForLoanLossesExpensed" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzktMTAtMS0xLTA_49f3d490-f0b0-4365-b045-b9543552f9d0">232,708</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Loan sale reduction to provision</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableSalesAllowanceForCreditLossReversal" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzEwLTItMS0xLTA_cb77096f-71cd-471a-a827-1575c7572d97">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableSalesAllowanceForCreditLossReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzEwLTQtMS0xLTA_94a10afd-b6bf-481f-bec6-02bf2ab2cf5c">66,460</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ica1089add5c54ccbb312565a907dff63_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableSalesAllowanceForCreditLossReversal" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzEwLTgtMS0xLTA_8fc7c75c-19db-4bba-a2cc-03bbd6062ade">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableSalesAllowanceForCreditLossReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzEwLTEwLTEtMS0w_f78c50ce-fd8c-42cb-9246-97188347f50a">66,460</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Loans transferred to held-for-sale</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzExLTItMS0xLTA_32044985-75cc-4864-89b5-e5da8708eb07">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzExLTQtMS0xLTA_12dc5ee0-4824-4957-992f-820dc19e37d7">1,887</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ica1089add5c54ccbb312565a907dff63_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzExLTgtMS0xLTA_0a8a0bf7-0a9b-42c5-867e-055cc9fea724">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzExLTEwLTEtMS0w_c1739a26-2cce-43ba-b2e9-0fc21c4dd0e9">1,887</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Total provisions</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzEyLTItMS0xLTA_55616c09-bcea-464d-b64f-5cbc4009b4e6">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="-3" sign="-" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzEyLTQtMS0xLTA_37a5899e-497a-46f9-9c3c-0d5e9a43b8f1">298,425</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ica1089add5c54ccbb312565a907dff63_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzEyLTgtMS0xLTA_21ef9c4c-b05d-4a0f-8e51-e08e896e19c4">1,124</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzEyLTEwLTEtMS0w_398c4633-fa70-4430-9689-ebe531fced85">297,281</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net charge-offs:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE0LTItMS0xLTA_8205546a-d737-4b15-bf02-ee0e7ea778e7">321</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE0LTQtMS0xLTA_288448e2-9525-4522-a7ae-ff7f43d7a4f8">229,591</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ica1089add5c54ccbb312565a907dff63_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE0LTgtMS0xLTA_cb8431c4-e290-474d-a875-b1a4c418f709">356</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE0LTEwLTEtMS0w_55c7ea61-6450-4f1e-8b71-38da2ce1644a">230,268</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE1LTItMS0xLTA_be4d4a8f-7d2b-4a1d-a3b4-9607ff01270c">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE1LTQtMS0xLTA_da39d8d4-0490-41c3-b49c-f33c055b0ab4">29,494</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ica1089add5c54ccbb312565a907dff63_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE1LTgtMS0xLTA_771067e0-f130-4e02-9ce7-4d64e04d2aeb">12</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE1LTEwLTEtMS0w_ad6e7168-3b5b-42a8-b9e0-cedd2e1f4bc4">29,506</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE2LTItMS0xLTA_48cae601-a0af-4390-82b3-be497c2337f8">321</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE2LTQtMS0xLTA_f35ef159-8871-4424-90a5-8b061f8136ee">200,097</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ica1089add5c54ccbb312565a907dff63_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE2LTgtMS0xLTA_403a21da-5332-4e9a-8daa-218a34be18c0">344</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE2LTEwLTEtMS0w_54118f92-77b8-4537-b6fc-7e93e25633d8">200,762</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib015afffde644558949af8381119eaca_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE4LTItMS0xLTA_aaa8130e-b9c4-4867-864f-0b79df17f9c3">4,077</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic59b61c86bdf4ba5861b4546d3d8646b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE4LTQtMS0xLTA_dbe28e28-d5d5-4820-81fa-d4e864db57cb">1,158,977</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i81c0731927354f25833fd5ceb0f35de7_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE4LTgtMS0xLTA_a059370e-693c-4258-8cdf-e8316eed024d">2,281</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzE4LTEwLTEtMS0w_21185107-ce0a-4d65-9fee-7a3582f1e6c5">1,165,335</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:100%">Allowance:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib015afffde644558949af8381119eaca_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzIwLTItMS0xLTA_459688be-ae0b-4e16-9e04-33e34bdba7c2">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic59b61c86bdf4ba5861b4546d3d8646b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzIwLTQtMS0xLTA_a09ace89-9746-4c9b-9541-26101d1e4332">47,712</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i81c0731927354f25833fd5ceb0f35de7_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzIwLTgtMS0xLTA_b8174aa8-5a36-4d38-8861-d5dc530b17f9">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzIwLTEwLTEtMS0w_b16efbd8-c372-4f0c-bab4-0e4dc152d131">47,712</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib015afffde644558949af8381119eaca_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzIxLTItMS0xLTA_b4e357ee-fed0-45de-a544-f20f8ec8a437">4,077</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic59b61c86bdf4ba5861b4546d3d8646b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i81c0731927354f25833fd5ceb0f35de7_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzIxLTgtMS0xLTA_7a6c69b6-9464-42c7-9033-e2bac7e72a97">2,281</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzIxLTEwLTEtMS0w_394446cd-edfe-415d-bb11-748193d02484">1,117,623</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:100%">Loans:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib015afffde644558949af8381119eaca_I20211231" decimals="-3" name="us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzIzLTItMS0xLTA_04e8aa8b-801b-4446-928f-ae82487d22a5">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic59b61c86bdf4ba5861b4546d3d8646b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzIzLTQtMS0xLTA_37ea4e6c-9695-46f0-b4e4-b6f566ed4683">1,057,665</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i81c0731927354f25833fd5ceb0f35de7_I20211231" decimals="-3" name="us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzIzLTgtMS0xLTA_290fdedb-ad05-4cf0-9d01-1bb6e99e437d">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzIzLTEwLTEtMS0w_a3b811c3-866f-4201-a07e-7817645e560e">1,057,665</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib015afffde644558949af8381119eaca_I20211231" decimals="-3" name="us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI0LTItMS0xLTA_c5d9ecae-e9d2-4ef9-a965-62fc28c2da69">695,216</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic59b61c86bdf4ba5861b4546d3d8646b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i81c0731927354f25833fd5ceb0f35de7_I20211231" decimals="-3" name="us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI0LTgtMS0xLTA_3f3d26a9-6307-41a9-b4b6-d3f1cf61032e">25,014</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI0LTEwLTEtMS0w_faf5e2a3-c5eb-4e4f-8c9c-1a5e806335eb">20,379,428</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI1LTItMS0xLTA_e9d65766-6723-4344-a559-a92ae3a9f914">0.06</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI1LTQtMS0xLTA_04a6a166-4a1b-4f68-aa11-8a5c84e5f08d">1.33</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ica1089add5c54ccbb312565a907dff63_D20210101-20211231" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI1LTgtMS0xLTA_b07aaa1c-7333-49ad-8470-b56a184366b6">2.24</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending total loan balance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI2LTItMS0xLTA_d043c998-efe2-45a0-bb47-6731c2e8363c">0.59</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI2LTQtMS0xLTA_49a85c2a-739b-4f4a-b4ff-8e8f13f4a408">5.59</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ica1089add5c54ccbb312565a907dff63_D20210101-20211231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI2LTgtMS0xLTA_f5ee2a22-d88b-4233-91f6-52306c8ead65">9.12</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI3LTItMS0xLTA_116c5b1f-9ae1-47f3-9bf9-25d68b9b335c">0.74</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI3LTQtMS0xLTA_872fb321-11f5-4101-bd07-59a8633aff64">7.47</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ica1089add5c54ccbb312565a907dff63_D20210101-20211231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI3LTgtMS0xLTA_cf4f2289-c1fd-4894-8d38-a7b76ce0662a">9.12</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Allowance coverage of net charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI4LTItMS0xLTA_d2ed03f1-5ecb-4bdc-8492-1aef60770033">12.70</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI4LTQtMS0xLTA_b02c59b6-afb7-4661-969e-eeffc3400c33">5.79</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ica1089add5c54ccbb312565a907dff63_D20210101-20211231" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI4LTgtMS0xLTA_a2de0318-ae0e-4501-9b85-1ee7cb7db42b">6.63</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending total loans, gross</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib015afffde644558949af8381119eaca_I20211231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI5LTItMS0xLTA_effbb8e4-55c7-4900-982b-a212aaba9939">695,216</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic59b61c86bdf4ba5861b4546d3d8646b_I20211231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI5LTQtMS0xLTA_3615a831-2fae-4600-bd9e-553017e2fa3d">20,716,863</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i81c0731927354f25833fd5ceb0f35de7_I20211231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzI5LTgtMS0xLTA_7e91df42-287d-4a9d-9fa5-148e090f1623">25,014</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzMwLTItMS0xLTA_50cb4007-f071-442f-a6e5-f909a0d2f250">545,689</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzMwLTQtMS0xLTA_68502cfe-b0a6-4fec-9ef3-6e11fb439a60">15,019,869</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ica1089add5c54ccbb312565a907dff63_D20210101-20211231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzMwLTgtMS0xLTA_34774070-c0aa-4ed6-9f53-a1020c97364c">15,343</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib015afffde644558949af8381119eaca_I20211231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzMxLTItMS0xLTA_f06b6b38-2266-499a-99a6-2b0fa910c732">553,980</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic59b61c86bdf4ba5861b4546d3d8646b_I20211231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzMxLTQtMS0xLTA_15036070-c44b-482a-9475-2618dcbb240d">15,511,212</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i81c0731927354f25833fd5ceb0f35de7_I20211231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTpjZTUxNTg0ZmQ4YmE0OTFkYWViZTIxNjRhMmNjODM0Yi90YWJsZXJhbmdlOmNlNTE1ODRmZDhiYTQ5MWRhZWJlMjE2NGEyY2M4MzRiXzMxLTgtMS0xLTA_44dff669-dd2e-4b59-9b28-c361567feb3b">25,014</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr></table></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">See Note 8, &#8220;Unfunded Loan Commitments,&#8221; for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses. </span></div><div style="padding-left:45pt;text-indent:-9pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"><tr><td style="width:1.0%"></td><td style="width:74.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.790%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2021 (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loan provisions for credit losses:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for loan losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="-3" sign="-" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMzY0Y2M4YTIxNmI0N2VhOTA2ZGNhZDUwMzEwYTEzMy90YWJsZXJhbmdlOjMzNjRjYzhhMjE2YjQ3ZWE5MDZkY2FkNTAzMTBhMTMzXzMtMi0xLTEtMA_b944dc3d-20ab-4df1-9246-139555d2c8b1">298,425</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMzY0Y2M4YTIxNmI0N2VhOTA2ZGNhZDUwMzEwYTEzMy90YWJsZXJhbmdlOjMzNjRjYzhhMjE2YjQ3ZWE5MDZkY2FkNTAzMTBhMTMzXzQtMi0xLTEtMA_37e26fa6-311d-417d-9232-b2042389cfd8">264,324</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loan provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6c0e699dafa74290b8b5ec0098c69c7a_D20210101-20211231" decimals="-3" sign="-" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMzY0Y2M4YTIxNmI0N2VhOTA2ZGNhZDUwMzEwYTEzMy90YWJsZXJhbmdlOjMzNjRjYzhhMjE2YjQ3ZWE5MDZkY2FkNTAzMTBhMTMzXzUtMi0xLTEtMA_d7213fa3-df8c-4ba2-8ac3-e24f564c2dc7">34,101</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Other impacts to the provisions for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia89bdac6bf614b9b88b1c691daadd2c5_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMzY0Y2M4YTIxNmI0N2VhOTA2ZGNhZDUwMzEwYTEzMy90YWJsZXJhbmdlOjMzNjRjYzhhMjE2YjQ3ZWE5MDZkY2FkNTAzMTBhMTMzXzktMi0xLTEtMA_26acd95e-828d-4b6d-9c89-55ff3176a439">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ica1089add5c54ccbb312565a907dff63_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMzY0Y2M4YTIxNmI0N2VhOTA2ZGNhZDUwMzEwYTEzMy90YWJsZXJhbmdlOjMzNjRjYzhhMjE2YjQ3ZWE5MDZkY2FkNTAzMTBhMTMzXzEwLTItMS0xLTA_be89c6ec-9ed1-449b-919d-ae353c94a0db">1,124</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibfcddccd2b78469d859dbefad77619d4_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMzY0Y2M4YTIxNmI0N2VhOTA2ZGNhZDUwMzEwYTEzMy90YWJsZXJhbmdlOjMzNjRjYzhhMjE2YjQ3ZWE5MDZkY2FkNTAzMTBhMTMzXzExLTItMS0xLTA_bc501082-6a42-4211-9d98-8553f559a649">1,144</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Provisions for credit losses reported in consolidated statements of income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMzY0Y2M4YTIxNmI0N2VhOTA2ZGNhZDUwMzEwYTEzMy90YWJsZXJhbmdlOjMzNjRjYzhhMjE2YjQ3ZWE5MDZkY2FkNTAzMTBhMTMzXzEyLTItMS0xLTA_cd03e3b0-e06d-4d79-9e6e-b2927881f9e1">32,957</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. </span></div></ix:continuation></ix:continuation><div style="padding-left:45pt;padding-right:45pt;text-indent:-9pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-39</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Allowance for Credit Losses (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><span><br/></span></div><ix:continuation id="ia1609a385c87420cac1160428791c293" continuedAt="ia697f484cba14dc6b228c9169ac88ec1"><ix:continuation id="i632dcead444a4948977fbcab212c61c9" continuedAt="id5d9214e7a2349c5831926c2760459a7"><div style="padding-left:49.5pt;padding-right:49.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.222%"><tr><td style="width:1.0%"></td><td style="width:35.044%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.553%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.797%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.553%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.960%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.553%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.948%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.553%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.484%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.854%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.101%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private&#160;Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for Credit Losses</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61b553eb16494ff39f09f77cf0308df4_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzQtMi0xLTEtMA_38668f0a-f223-4fb4-ab02-555c69cd89e2">1,633</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9151216dfaf648d39e1171a05ab28489_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzQtNC0xLTEtMA_e79b19a5-a693-46dd-8627-ae5b053b78e3">374,300</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i3166c5e539834618aca81f69647ff660_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzQtNi0xLTEtMA_cc9e34c5-994d-49c8-aafc-5c26c4b25847">65,877</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2aaf961bb24448da913b4bac9f5fbbde_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzQtOC0xLTEtMA_30f5c661-a7bc-4ce8-af45-c21aaeaef5cc">102</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzQtMTAtMS0xLTA_7ac65114-e495-4d96-950e-57e588fc985d">441,912</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Day 1 adjustment for the adoption of CECL</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i34f4b56603e644a9ba83ed2f48025415_I20191231" decimals="-3" name="us-gaap:DebtSecuritiesHeldToMaturityAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzMtMi0xLTEtMzAwMjU_efd8206e-af6b-4ea1-9d46-000578488f2a">2,852</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i972be83cc66c4deb95f573dac0883358_I20191231" decimals="-3" name="us-gaap:DebtSecuritiesHeldToMaturityAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzMtNC0xLTEtMzAwMjU_f39eedc9-5037-471b-9fe5-8550ea6c37f3">1,060,830</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i663f7ef12305466295c919dfe69c4937_I20191231" decimals="-3" name="us-gaap:DebtSecuritiesHeldToMaturityAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzMtNi0xLTEtMzAwMjU_09918e47-2679-4c22-a4a8-57f446304314">79,183</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5b6ccb217aeb48828cf719b25cda4e03_I20191231" decimals="-3" name="us-gaap:DebtSecuritiesHeldToMaturityAllowanceForCreditLoss" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzMtOC0xLTEtMzAwMjU_5f75915e-6ce1-4711-8938-cde22e4f34e9">188</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i798d255e33a0487e8e95176387958317_I20191231" decimals="-3" name="us-gaap:DebtSecuritiesHeldToMaturityAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzMtMTAtMS0xLTMwMDI1_f2bb148f-2cc5-4c8e-89d4-c85f9bc1bb4f">1,143,053</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at January 1, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i34f4b56603e644a9ba83ed2f48025415_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzQtMi0xLTEtMzAwMzI_bf7a3e07-2dd9-41e0-8d46-b86e02d2d005">4,485</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i972be83cc66c4deb95f573dac0883358_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzQtNC0xLTEtMzAwMzI_a1794e12-a9ab-4827-9b7f-a7232e811f4f">1,435,130</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i663f7ef12305466295c919dfe69c4937_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzQtNi0xLTEtMzAwMzI_5ed5d6d9-1de5-4e51-a108-07ce7d0245c6">145,060</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5b6ccb217aeb48828cf719b25cda4e03_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzQtOC0xLTEtMzAwMzI_b37ba21c-3eb5-4ba0-b771-074c2139ba10">290</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzUtMi0xLTEtMzAwNDI_a4c23a34-eb56-469d-8f1d-01ce897bdad0">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzUtNC0xLTEtMzAwNDI_7d86614c-9b39-4ab5-afb2-c2caf750d508">320,808</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzUtNi0xLTEtMzAwNDI_3ae4ea14-57b8-4d99-82a2-32ec27d4a084">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzUtOC0xLTEtMzAwNDI_576d6c8f-2c81-4420-ac05-720c18cb1990">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzUtMTAtMS0xLTMwMDQy_e16b0490-26e4-4676-a416-f5c14959fcc9">320,808</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provisions:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for current period</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="-3" name="us-gaap:ProvisionForLoanLossesExpensed" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzctMi0xLTEtMzAwNjI_582fa932-5cf6-41eb-aa17-1dd2dfe44732">412</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="-3" name="us-gaap:ProvisionForLoanLossesExpensed" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzctNC0xLTEtMzAwNjI_a7ba7cc8-3ca6-499a-af28-c363c6ccbc7d">148,673</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="-3" name="us-gaap:ProvisionForLoanLossesExpensed" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzctNi0xLTEtMzAwNjI_f8553fe9-756b-4fe3-ae53-5886ae6176df">40,485</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="-3" name="us-gaap:ProvisionForLoanLossesExpensed" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzctOC0xLTEtMzAwNjI_d2abe9d9-6f15-4451-a80c-ea661ab3c952">1,328</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:ProvisionForLoanLossesExpensed" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzctMTAtMS0xLTMwMDYy_0410d6a7-f4b9-4767-acbe-18e3c0776099">190,898</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan sale reduction to provision</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableSalesAllowanceForCreditLossReversal" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzgtMi0xLTEtMzAwNjI_9e8518ce-26ef-4a0a-b9d8-aff26783500d">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableSalesAllowanceForCreditLossReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzgtNC0xLTEtMzAwNjI_b618178f-aa8b-4b10-934e-746d14e51fd4">161,793</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableSalesAllowanceForCreditLossReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzgtNi0xLTEtMzAwNjI_97d16d64-6400-411b-a929-613a075c1fa0">42,916</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableSalesAllowanceForCreditLossReversal" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzgtOC0xLTEtMzAwNjI_07c4c50b-64f4-41b0-bbe6-3a39bb0c3ede">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableSalesAllowanceForCreditLossReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzgtMTAtMS0xLTMwMDYy_05ad1643-79ad-4833-8f25-cb8162ead20e">204,709</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans transferred to held-for-sale</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzktMi0xLTEtMzAwNjI_8f6bfd6f-218c-474e-a348-4a20b7acae9c">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzktNC0xLTEtMzAwNjI_c54c1832-0132-47d5-aa1b-79ec2c82d222">205,669</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzktNi0xLTEtMzAwNjI_9edc9923-b5ab-4e6d-8a42-cf13bbda2b39">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzktOC0xLTEtMzAwNjI_5b0d4fe0-0649-41b5-bfc3-874e9bf96c4e">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzktMTAtMS0xLTMwMDYy_6a83744b-c06e-4202-b35e-64b6d2db7210">205,669</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total provisions</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzUtMi0xLTEtMA_112b36bf-e675-44f3-b069-92f7d6e05619">412</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="-3" sign="-" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzUtNC0xLTEtMA_fb7ac5d1-52a4-4505-b305-4b50a95239ee">218,789</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="-3" sign="-" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzUtNi0xLTEtMA_43219aa5-0a41-45d1-93d7-ed51c1c2b740">2,431</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzUtOC0xLTEtMA_e68b408a-f98e-44e8-9380-a188d7bc1bee">1,328</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzUtMTAtMS0xLTA_51ab4dcb-8ebd-421f-b5bb-47efd51a4a20">219,480</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzctMi0xLTEtMA_90ab3dfc-5172-4147-8555-2b92982d3702">519</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzctNC0xLTEtMA_ceb7515a-c9a1-45dd-afa8-386eb4cbc3b7">205,326</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzctNi0xLTEtMA_3a7d952f-5387-412e-97c4-474279f7a2cd">39,079</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzctOC0xLTEtMA_d85bd88d-3672-4762-aa59-dca209423c07">119</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzctMTAtMS0xLTA_008ea7ea-118b-43da-b11d-1181c2fe1ae4">245,043</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzgtMi0xLTEtMA_7995849c-e672-4d1e-8c76-62a00caccbb2">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzgtNC0xLTEtMA_098f6360-b313-4891-859d-97627ebd3b1d">24,021</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzgtNi0xLTEtMA_f90bfdb7-f294-4e1f-86ab-f97a9a521042">4,984</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzgtOC0xLTEtMA_15bfeb1e-c4c1-4773-94d5-a583a3cec6c9">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzgtMTAtMS0xLTA_f350f143-32fa-4de1-9214-d9204965249f">29,007</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzktMi0xLTEtMA_cee35fbf-05b5-45d2-a6e7-7439dbf51a0b">519</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzktNC0xLTEtMA_db1dc806-6774-4015-a1ca-208d8f2a1b51">181,305</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzktNi0xLTEtMA_0347b9f6-7c58-4dd6-a29f-042d6fc80cca">34,095</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzktOC0xLTEtMA_fe007a4b-4d09-435d-abe0-ed51a2ff0ed2">117</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzktMTAtMS0xLTA_9befa2ba-0829-4c12-baf2-c6a570492f96">216,036</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan sales</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="-3" name="us-gaap:AllowanceForLoanAndLeaseLossesLoansSold" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzEwLTItMS0xLTA_db74bfa7-fcc4-4620-90a9-4ed77e7beabd">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="-3" name="us-gaap:AllowanceForLoanAndLeaseLossesLoansSold" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzEwLTQtMS0xLTA_b0d8cf7f-8109-4645-a452-7da67b8ab412">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="-3" name="us-gaap:AllowanceForLoanAndLeaseLossesLoansSold" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzEwLTYtMS0xLTA_d497cd49-b8d1-4d24-84a5-5cbc7fcbb21a">108,534</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="-3" name="us-gaap:AllowanceForLoanAndLeaseLossesLoansSold" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzEwLTgtMS0xLTA_11ab2c87-7ba1-4d11-993e-463485470834">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:AllowanceForLoanAndLeaseLossesLoansSold" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzEwLTEwLTEtMS0w_b36bf32a-0a71-4951-992a-2f20962306d7">108,534</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i36fae22e6bae42da8853efaa67ba3f6f_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzExLTItMS0xLTA_9e8bc6c3-ffea-431e-be3b-4d64299f7136">4,378</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifa81bcd5344a4d5f84f512a701ef4bd2_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzExLTQtMS0xLTA_2d8066ae-ba6b-4f7e-b10b-10bdb4bf7fe6">1,355,844</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id697b658b10f4207a6d8519fef75411e_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzExLTYtMS0xLTA_099a9fc8-00c2-4705-8a8e-43fb1005797e">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib983218657274c089ef4fd1a5788b3ec_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzExLTgtMS0xLTA_2b5e2ccf-28a4-427f-9d18-cda0b721f916">1,501</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzExLTEwLTEtMS0w_6b07a59a-c21d-4510-9b59-7493691e1bc3">1,361,723</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Allowance:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i36fae22e6bae42da8853efaa67ba3f6f_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzEzLTItMS0xLTA_4778eb50-b8c7-413a-bd89-5707d172f287">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifa81bcd5344a4d5f84f512a701ef4bd2_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzEzLTQtMS0xLTA_a998c407-a8cc-4610-9009-c74cee3ec1a1">104,265</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id697b658b10f4207a6d8519fef75411e_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzEzLTYtMS0xLTA_5dae6243-5b99-4a85-ab5b-caf79b0ee96f">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib983218657274c089ef4fd1a5788b3ec_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzEzLTgtMS0xLTA_9e82c9fd-e63e-4742-9865-d1edd114588f">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzEzLTEwLTEtMS0w_f5df63c4-0dd1-4cf4-9e23-3caf5b0b361e">104,265</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i36fae22e6bae42da8853efaa67ba3f6f_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE0LTItMS0xLTA_8d05eda1-53e1-4fa5-ab55-8e588588d4e3">4,378</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifa81bcd5344a4d5f84f512a701ef4bd2_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE0LTQtMS0xLTA_f5961e1d-09ba-4f4d-b553-8c2b529ce7a8">1,251,579</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id697b658b10f4207a6d8519fef75411e_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE0LTYtMS0xLTA_2037c196-4ae1-4bbc-94aa-3dc07536a302">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib983218657274c089ef4fd1a5788b3ec_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE0LTgtMS0xLTA_71b9886a-adda-4e9b-b87b-d42a9076099b">1,501</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE0LTEwLTEtMS0w_3f9aade4-2569-462d-a5d9-e935c36840d7">1,257,458</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i36fae22e6bae42da8853efaa67ba3f6f_I20201231" decimals="-3" name="us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment" format="ixt:fixed-zero" scale="3" 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1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib983218657274c089ef4fd1a5788b3ec_I20201231" decimals="-3" name="us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE2LTgtMS0xLTA_35ffa000-6e21-4569-bba3-e435a1622e0e">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE2LTEwLTEtMS0w_0d99fa2b-8ae0-41ba-80a2-5235fe17ccca">1,274,590</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i36fae22e6bae42da8853efaa67ba3f6f_I20201231" decimals="-3" name="us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE3LTItMS0xLTA_e313cd58-765a-41ab-9325-f454da55f8b9">737,593</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifa81bcd5344a4d5f84f512a701ef4bd2_I20201231" decimals="-3" name="us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE3LTQtMS0xLTA_033789df-d5ea-4ea3-8999-496776c7db80">18,454,747</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id697b658b10f4207a6d8519fef75411e_I20201231" decimals="-3" name="us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE3LTYtMS0xLTA_3216d4db-70e7-419b-90a1-19efa0b9ea84">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 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1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE3LTEwLTEtMS0w_56bc1486-55ba-44a8-ba9e-a557afc11d09">19,204,578</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE4LTItMS0xLTA_1128f6e1-fafb-4ad5-8df2-776fa5b46a0e">0.09</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" format="ixt:fixed-zero" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE4LTYtMS0xLTA_8458ab97-341a-4385-9bf6-af5885e5a1b6">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE4LTgtMS0xLTA_b5b3c461-461f-4a52-a90b-966a38703e5b">1.26</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending total loan balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE5LTItMS0xLTA_ee4e8263-8ced-4f3f-aa22-d6538b218e4c">0.59</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE5LTQtMS0xLTA_e39a6c1e-d781-4ee5-bf17-bc391ebef1ea">6.87</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalance" format="ixt:fixed-zero" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE5LTYtMS0xLTA_9f2799f8-5967-41f6-9012-c28c8beb6e7b">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzE5LTgtMS0xLTA_08fb8175-388a-4d1f-b58a-1cf646229b5b">12.27</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIwLTItMS0xLTA_1e15c3f4-babb-4555-b8f0-79dc7580c196">0.76</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIwLTQtMS0xLTA_9c470f88-40f9-4ebe-aa3e-ff13ed83f0c7">9.48</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoansInRepayment" format="ixt:fixed-zero" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIwLTYtMS0xLTA_c0fcd3ad-0fa5-4688-8f22-60e8af36c47c">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIwLTgtMS0xLTA_2a34d5bb-d332-4916-987f-f2d957fc2650">12.27</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance coverage of net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIxLTItMS0xLTA_54bb19b4-c3fc-45d1-8622-1785e23c4e49">8.44</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIxLTQtMS0xLTA_53964777-c5e6-4876-a27c-efa1416b9976">7.48</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIxLTYtMS0xLTA_aa1cf80b-ea65-4d50-9692-93496415e1e1">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIxLTgtMS0xLTA_5a6cecec-2ca5-433e-bef2-6d7df9eb1c30">12.83</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending total loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i36fae22e6bae42da8853efaa67ba3f6f_I20201231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIyLTItMS0xLTA_46512021-e30f-4e7f-b27f-3d1024592e4c">737,593</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifa81bcd5344a4d5f84f512a701ef4bd2_I20201231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIyLTQtMS0xLTA_ec8ab9a8-8278-4c02-aee5-df8435b75f7f">19,729,337</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id697b658b10f4207a6d8519fef75411e_I20201231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIyLTYtMS0xLTA_de849b14-094d-4321-ae6f-078f6ab7360d">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib983218657274c089ef4fd1a5788b3ec_I20201231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIyLTgtMS0xLTA_f95c3df2-b50f-4645-971f-e7d51187c2e7">12,238</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIzLTItMS0xLTA_b5810436-743a-490c-adc3-76164d07bc7c">549,584</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIzLTQtMS0xLTA_4f9f4266-eaf1-4fe5-ab88-a2931e94c512">15,518,851</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIzLTYtMS0xLTA_023a8d20-3985-41e8-b4c0-b5976873a45c">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzIzLTgtMS0xLTA_20fa2a95-918b-43e6-a464-9553d37828df">9,286</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i36fae22e6bae42da8853efaa67ba3f6f_I20201231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzI0LTItMS0xLTA_2093ba47-3cf4-4022-a2ac-155dd86ff61e">573,361</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifa81bcd5344a4d5f84f512a701ef4bd2_I20201231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzI0LTQtMS0xLTA_5b16200c-3d7e-4bb1-b900-0b54aa41f8c2">14,304,821</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id697b658b10f4207a6d8519fef75411e_I20201231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzI0LTYtMS0xLTA_cfacb82f-82e1-4c7a-b677-1ad205a1c62d">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib983218657274c089ef4fd1a5788b3ec_I20201231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MzhhOThmZDdkODQ0NjNmOTViZDcwZDg2YmYzODZkNy90YWJsZXJhbmdlOjkzOGE5OGZkN2Q4NDQ2M2Y5NWJkNzBkODZiZjM4NmQ3XzI0LTgtMS0xLTA_f1710aee-f495-4b86-aa09-dccf2e3658b9">12,238</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr></table></div><div style="padding-left:9pt;padding-right:36pt;text-indent:-9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">      </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">See Note 8, &#8220;Unfunded Loan Commitments,&#8221; for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses. </span></div></ix:continuation></ix:continuation><div style="margin-top:3pt;padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-40  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Allowance for Credit Losses (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="ia697f484cba14dc6b228c9169ac88ec1" continuedAt="if9ad6e43be8b493dbab51d5d97200c2b"><ix:continuation id="id5d9214e7a2349c5831926c2760459a7" continuedAt="if73a52a688fc4bd8b1773dc9f1fcea6d"><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"><tr><td style="width:1.0%"></td><td style="width:74.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.790%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2020 (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loan provisions for credit losses:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for loan losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="-3" sign="-" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo0OWI2YjRlM2Y4MmQ0MTJkYTJjZmJiYTRmOWVlMGNiYi90YWJsZXJhbmdlOjQ5YjZiNGUzZjgyZDQxMmRhMmNmYmJhNGY5ZWUwY2JiXzMtMi0xLTEtMzAyMzE_8b16736a-0099-42ae-9ba2-e0344ea05e87">218,789</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo0OWI2YjRlM2Y4MmQ0MTJkYTJjZmJiYTRmOWVlMGNiYi90YWJsZXJhbmdlOjQ5YjZiNGUzZjgyZDQxMmRhMmNmYmJhNGY5ZWUwY2JiXzQtMi0xLTEtMzAyMzE_c3d5ff93-58e0-40d6-b7d5-f909bc3b654a">312,613</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loan provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i35207c8fd09a43eb83c84010ca4aafd6_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo0OWI2YjRlM2Y4MmQ0MTJkYTJjZmJiYTRmOWVlMGNiYi90YWJsZXJhbmdlOjQ5YjZiNGUzZjgyZDQxMmRhMmNmYmJhNGY5ZWUwY2JiXzUtMi0xLTEtMzAyMzE_f6dd07c7-c36c-45df-8019-2d2b359897e9">93,824</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Other impacts to the provisions for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i570c816478ea421b8e8db8a19693e71c_D20200101-20201231" decimals="-3" sign="-" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo0OWI2YjRlM2Y4MmQ0MTJkYTJjZmJiYTRmOWVlMGNiYi90YWJsZXJhbmdlOjQ5YjZiNGUzZjgyZDQxMmRhMmNmYmJhNGY5ZWUwY2JiXzgtMi0xLTEtMzAyMzE_0bbb3cd6-220b-49d4-9497-581ce1d75219">2,431</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9791d2efafc1471f926d01d62ac0ce59_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo0OWI2YjRlM2Y4MmQ0MTJkYTJjZmJiYTRmOWVlMGNiYi90YWJsZXJhbmdlOjQ5YjZiNGUzZjgyZDQxMmRhMmNmYmJhNGY5ZWUwY2JiXzktMi0xLTEtMzAyMzE_49ddb75a-2bef-4b10-b39e-533322efde7e">412</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if605f2c675ac4c2282caff2129587ba9_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo0OWI2YjRlM2Y4MmQ0MTJkYTJjZmJiYTRmOWVlMGNiYi90YWJsZXJhbmdlOjQ5YjZiNGUzZjgyZDQxMmRhMmNmYmJhNGY5ZWUwY2JiXzEwLTItMS0xLTMwMjMx_92b33e5a-5919-41d8-8811-870b1671a9f5">1,328</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i791f4ddcba7f429e87b1d02fdfb29b97_D20200101-20201231" decimals="-3" sign="-" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo0OWI2YjRlM2Y4MmQ0MTJkYTJjZmJiYTRmOWVlMGNiYi90YWJsZXJhbmdlOjQ5YjZiNGUzZjgyZDQxMmRhMmNmYmJhNGY5ZWUwY2JiXzExLTItMS0xLTMwMjMx_66d6db6c-b0e1-4113-89a8-e033e25ff35a">691</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Provisions for credit losses reported in consolidated statements of income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo0OWI2YjRlM2Y4MmQ0MTJkYTJjZmJiYTRmOWVlMGNiYi90YWJsZXJhbmdlOjQ5YjZiNGUzZjgyZDQxMmRhMmNmYmJhNGY5ZWUwY2JiXzEyLTItMS0xLTMwMjMx_057206c7-70a0-4e48-8dcf-980fa29f35a9">93,133</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. </span></div></ix:continuation></ix:continuation><div style="padding-left:45pt;padding-right:45pt;text-indent:-9pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-41</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Allowance for Credit Losses (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="padding-left:45pt;padding-right:45pt;text-indent:-9pt"><span><br/></span></div><ix:continuation id="if9ad6e43be8b493dbab51d5d97200c2b" continuedAt="i2b54a5766f0b4c109a6a6cfd4191ced9"><ix:continuation id="if73a52a688fc4bd8b1773dc9f1fcea6d" continuedAt="i1d7dcd897ae04fb9872ddecab780be19"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:38.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.650%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.014%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2019<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private&#160;Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Allowance for Credit Losses</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i11c772464de941bba18edeaf176e8c59_I20181231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzQtMi0xLTEtMA_369aa1ff-07f2-4bbd-bd1f-a9cd31a763db">977</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ieeb8142751ad4d4d883481e6955e916e_I20181231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzQtNC0xLTEtMA_ce66dbbc-0c31-404a-94c4-1961bc31e56c">277,943</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iccc79bfa862f4d60ab1d066a1b873328_I20181231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzQtNi0xLTEtMA_894900ce-a84f-4320-b6b8-8754d442daf6">62,201</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i228952870c5347d4bd38f85474a04689_I20181231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzItOC0xLTEtMzAxMDk_10f70ef4-c6b4-49e7-9cbe-2f9b15094a21">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6363d3dada714b04a1034f162f4edee5_I20181231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzQtOC0xLTEtMA_fac4f2a7-a206-4aa9-9fa9-2a5c705afa21">341,121</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total provision</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i25d252df4ebf45dcb3dfb1adfa5b76ec_D20190101-20191231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzUtMi0xLTEtMA_cfc34ac8-0118-4f02-b8d6-aa7088b6fa60">1,478</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i068150e5f5cf479fb5227c499e50ac67_D20190101-20191231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzUtNC0xLTEtMA_638bf2a8-f595-4784-8507-737ec1698026">279,570</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iad1f5948119549da891bcf131817d013_D20190101-20191231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzUtNi0xLTEtMA_2dbe30e8-2525-41db-be6e-f62289b4f2d7">72,783</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iaf0a1bd841aa48549d5135b28df92ec3_D20190101-20191231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzMtOC0xLTEtMzAxMTY_199a5a6c-684f-4c43-b23e-a79e47be3267">103</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzUtOC0xLTEtMA_6a6b6138-dba5-4ba5-b5e3-703ea15708dc">353,934</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;Charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i25d252df4ebf45dcb3dfb1adfa5b76ec_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzctMi0xLTEtMA_c0ec76bd-cab4-4287-a786-1a5e7d287219">822</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i068150e5f5cf479fb5227c499e50ac67_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzctNC0xLTEtMA_d6bb6440-b8cd-47f5-a859-2d5907130b5d">208,978</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iad1f5948119549da891bcf131817d013_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzctNi0xLTEtMA_4baf1b3b-8366-41f6-a0c0-14b274d7bcab">74,313</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iaf0a1bd841aa48549d5135b28df92ec3_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzUtOC0xLTEtMzAxMjM_f8cdcf17-3af8-478e-ad8a-b3ef4151a0ed">1</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzctOC0xLTEtMA_1ca329af-1f09-4aec-b168-9a1bcc6f5f35">284,114</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;Recoveries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i25d252df4ebf45dcb3dfb1adfa5b76ec_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzgtMi0xLTEtMA_635442e0-49d1-4c3b-8dde-e21e342ea8c7">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i068150e5f5cf479fb5227c499e50ac67_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzgtNC0xLTEtMA_1b09aef4-6e27-42a1-bfc6-6bb27df96603">25,765</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iad1f5948119549da891bcf131817d013_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzgtNi0xLTEtMA_72b5c242-db82-44a5-aec4-e4fba6233422">5,206</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iaf0a1bd841aa48549d5135b28df92ec3_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzYtOC0xLTEtMzAxMjM_767957ef-bd1f-4b2a-a871-c6677b5969b6">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzgtOC0xLTEtMA_605a6b74-e591-4e8e-a702-bcda96381d14">30,971</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i25d252df4ebf45dcb3dfb1adfa5b76ec_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzktMi0xLTEtMA_0d48b8fd-1e38-4c4c-b58e-b6d7bbd9c3d3">822</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i068150e5f5cf479fb5227c499e50ac67_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzktNC0xLTEtMA_a643d4ab-1270-4b12-b7e0-d97026663202">183,213</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iad1f5948119549da891bcf131817d013_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzktNi0xLTEtMA_568a05ca-9b6a-4ba1-b42f-29330cdd33cc">69,107</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iaf0a1bd841aa48549d5135b28df92ec3_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzctOC0xLTEtMzAxMjM_04e760f8-1292-4b50-970c-249a48afca55">1</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzktOC0xLTEtMA_c6ffc3d1-1782-48ae-89f7-863c8967df3f">253,143</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61b553eb16494ff39f09f77cf0308df4_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzExLTItMS0xLTA_71430145-9053-450b-a989-b83cac92b653">1,633</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9151216dfaf648d39e1171a05ab28489_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzExLTQtMS0xLTA_ea85e451-9788-40ed-afe9-faa4fcf82cd0">374,300</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i3166c5e539834618aca81f69647ff660_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzExLTYtMS0xLTA_5dbb116c-1fad-4641-921b-185a23cea2f5">65,877</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2aaf961bb24448da913b4bac9f5fbbde_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzktOC0xLTEtMzAxMzA_7dc40a04-1c71-410a-a62d-81dc5f73b227">102</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzExLTgtMS0xLTA_ca9622f1-ba19-4593-b416-e7f08579d900">441,912</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:100%">Allowance:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61b553eb16494ff39f09f77cf0308df4_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzEzLTItMS0xLTA_c37b4535-401d-4a06-adb0-e6a213833bfe">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" 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style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i3166c5e539834618aca81f69647ff660_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzEzLTYtMS0xLTA_e72ef3c8-3074-4bc2-a611-de3dc1021c9a">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2aaf961bb24448da913b4bac9f5fbbde_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" format="ixt:fixed-zero" scale="3" 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unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzEzLTgtMS0xLTA_47f26742-5be1-46a6-89bd-f6ffff909e5f">186,697</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61b553eb16494ff39f09f77cf0308df4_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE0LTItMS0xLTA_ae97f01d-b2b0-4240-9fdb-9cf168c43eb7">1,633</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9151216dfaf648d39e1171a05ab28489_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE0LTQtMS0xLTA_d663ea21-8805-4a3f-9b0e-b4806508d450">187,603</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i3166c5e539834618aca81f69647ff660_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE0LTYtMS0xLTA_89883b64-b641-44ea-8e66-bce4e7e59575">65,877</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2aaf961bb24448da913b4bac9f5fbbde_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzEyLTgtMS0xLTMwMTQ4_0c244fe6-cefc-4cb7-ad7b-e9dc1b76ae67">102</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE0LTgtMS0xLTA_91d940b5-ab4e-4bfb-9a4e-9aec66c32f69">255,215</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:100%">Loans:</span></td><td colspan="3" 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style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61b553eb16494ff39f09f77cf0308df4_I20191231" decimals="-3" name="us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment" format="ixt:fixed-zero" scale="3" 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contextRef="i9151216dfaf648d39e1171a05ab28489_I20191231" decimals="-3" name="us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE2LTQtMS0xLTA_3b9318a4-5a79-49f4-b71a-00e6e7f827fa">1,581,966</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i3166c5e539834618aca81f69647ff660_I20191231" decimals="-3" name="us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE2LTYtMS0xLTA_af3c5084-1e4d-41d0-b238-91564f06928d">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2aaf961bb24448da913b4bac9f5fbbde_I20191231" decimals="-3" name="us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE0LTgtMS0xLTMwMTU1_456a6415-cb6e-4e26-8837-020c75b6b409">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE2LTgtMS0xLTA_c5d4fd04-ebca-49fd-b730-f4785940b2dd">1,581,966</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61b553eb16494ff39f09f77cf0308df4_I20191231" decimals="-3" name="us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE3LTItMS0xLTA_72227209-139f-42bb-b4ec-be090193d9b6">783,306</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9151216dfaf648d39e1171a05ab28489_I20191231" decimals="-3" name="us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE3LTQtMS0xLTA_1b01ded9-ef30-414a-812c-6fa903bf91f9">21,607,625</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i3166c5e539834618aca81f69647ff660_I20191231" decimals="-3" name="us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE3LTYtMS0xLTA_7c224491-ff1d-4f8e-9fa1-84bf8ba4cec0">1,049,007</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 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1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE3LTgtMS0xLTA_ba6f7a1a-6407-445f-a6e3-10c1fb496596">23,443,822</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i25d252df4ebf45dcb3dfb1adfa5b76ec_D20190101-20191231" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE4LTItMS0xLTA_5c9e89f4-2311-422a-9fbc-f3b5fe839dd0">0.13</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i068150e5f5cf479fb5227c499e50ac67_D20190101-20191231" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE4LTQtMS0xLTA_d77730dd-9119-4803-8aa3-9b4362592497">1.17</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iad1f5948119549da891bcf131817d013_D20190101-20191231" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE4LTYtMS0xLTA_e540bb30-78e0-47b5-8a70-4299108ec51e">6.07</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iaf0a1bd841aa48549d5135b28df92ec3_D20190101-20191231" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE2LTgtMS0xLTMwMTU1_5a25e96b-5265-4cb2-8dae-52f14e07ee53">0.13</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending total loan balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i25d252df4ebf45dcb3dfb1adfa5b76ec_D20190101-20191231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE5LTItMS0xLTA_9d8be2c2-0be9-432f-8fda-8b7b9f18d486">0.21</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i068150e5f5cf479fb5227c499e50ac67_D20190101-20191231" decimals="4" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iaf0a1bd841aa48549d5135b28df92ec3_D20190101-20191231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE3LTgtMS0xLTMwMTU1_8840658d-5156-4181-a6f0-5e2b8eb29ca2">2.63</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i25d252df4ebf45dcb3dfb1adfa5b76ec_D20190101-20191231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzIwLTItMS0xLTA_fb7d2a3d-2697-48e3-b429-b3957d9377f1">0.26</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i068150e5f5cf479fb5227c499e50ac67_D20190101-20191231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzIwLTQtMS0xLTA_9495fb8b-4852-47ee-84a2-ebe2f1eb715a">2.23</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iad1f5948119549da891bcf131817d013_D20190101-20191231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzIwLTYtMS0xLTA_2bbaba99-8937-4db3-a2d5-356f74467143">6.28</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iaf0a1bd841aa48549d5135b28df92ec3_D20190101-20191231" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE4LTgtMS0xLTMwMTU1_2eeebd5d-33b2-42cf-9f1b-7954a1ec7c45">2.63</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance coverage of net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i25d252df4ebf45dcb3dfb1adfa5b76ec_D20190101-20191231" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzIxLTItMS0xLTA_45e82270-bde3-4980-babb-37fb604b4a0a">1.99</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i068150e5f5cf479fb5227c499e50ac67_D20190101-20191231" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzIxLTQtMS0xLTA_e1b6d7c4-f8f2-4ca5-a239-ef4a635f29a5">2.04</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iad1f5948119549da891bcf131817d013_D20190101-20191231" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzIxLTYtMS0xLTA_419bb55b-0cf2-40d6-b5b3-988f063189f0">0.95</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iaf0a1bd841aa48549d5135b28df92ec3_D20190101-20191231" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzE5LTgtMS0xLTMwMTU1_dfa77855-782a-45df-b9a8-096d594f0574">102.00</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending total loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 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0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9151216dfaf648d39e1171a05ab28489_I20191231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzIyLTQtMS0xLTA_e3665708-a487-4f92-b72b-c5a48789f7d8">23,189,591</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i3166c5e539834618aca81f69647ff660_I20191231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzIyLTYtMS0xLTA_ba84bda4-acff-4106-8ebc-7a75e4e1118c">1,049,007</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 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style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i25d252df4ebf45dcb3dfb1adfa5b76ec_D20190101-20191231" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i068150e5f5cf479fb5227c499e50ac67_D20190101-20191231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzIzLTQtMS0xLTA_83343474-dc24-4815-a078-9f742118b8a4">15,605,927</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iad1f5948119549da891bcf131817d013_D20190101-20191231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzIzLTYtMS0xLTA_b2ccdc05-98c4-446d-a56c-0f3773ee1337">1,138,887</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iaf0a1bd841aa48549d5135b28df92ec3_D20190101-20191231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzIxLTgtMS0xLTMwMTU1_7e62d9a5-cf0e-4f8a-a57e-83e846be3a94">786</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61b553eb16494ff39f09f77cf0308df4_I20191231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzI0LTItMS0xLTA_1a37027b-2056-4a05-9d4c-9831c0684755">617,646</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9151216dfaf648d39e1171a05ab28489_I20191231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzI0LTQtMS0xLTA_2a5386de-0da9-45d3-8091-1edd3954564a">16,787,670</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 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1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2aaf961bb24448da913b4bac9f5fbbde_I20191231" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTphODg1ODJlMDYyY2U0NWJmODcyMjdlMTBmNzg3MTVjOS90YWJsZXJhbmdlOmE4ODU4MmUwNjJjZTQ1YmY4NzIyN2UxMGY3ODcxNWM5XzIyLTgtMS0xLTMwMTU1_8535f30b-055f-401e-a7f7-7d205439d465">3,884</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="margin-top:9pt;padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.</span></div></ix:continuation></ix:continuation><div style="margin-top:9pt;padding-left:31.5pt;text-indent:-18pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-42  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Allowance for Credit Losses (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i2b54a5766f0b4c109a6a6cfd4191ced9" continuedAt="i1853656696df47dd97662e724951a039"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Losses - Forecast Assumptions</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In determining the adequacy of the allowance for credit losses, we include forecasts of college graduate unemployment and the Consumer Price Index in our loss forecasting models. We obtain forecasts for these two inputs from Moody&#8217;s Analytics. Moody&#8217;s Analytics provides a range of forecasts for each of these inputs with various likelihoods of occurring. We determine which forecasts we will include in our estimation of allowance for credit losses and the associated weightings for each of these inputs. At January 1, 2020 (the initial adoption date of CECL), December 31, 2020, and December 31, 2021, we used the Base (50th percentile likelihood of occurring)/S1 (stronger near-term growth scenario with 10 percent likelihood of occurring)/S3 (downside scenario with 10 percent likelihood of occurring) scenarios and weighted them 40 percent, 30 percent, and 30 percent, respectively. Management reviews both the scenarios and their respective weightings each quarter in determining the allowance for credit losses.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the year ended December 31, 2021, we had negative total provisions for credit losses of $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" sign="-" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzMxODk_c35869a1-17bc-459b-9c28-f9627df299cd">33</ix:nonFraction> million. This decrease of $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="slm:FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzM4NDgyOTA3NDI2NTg_4833f8d2-9fae-4adc-bbf3-522f254d3e96">126</ix:nonFraction>&#160;million in 2021 compared with the year-ago period was primarily the result of improving economic forecasts in 2021 and faster prepayment speeds. During the first quarter of 2021, we increased our estimates of future prepayment speeds during both the two-year reasonable and supportable period as well as the remaining term of the underlying loans. These faster estimated prepayment speeds during the two-year reasonable and supportable period reflect the significant improvement in economic forecasts, as well as the implementation of an updated prepayment speed model. In the fourth quarter of 2021, we increased our long-term estimate of prepayment speeds to reflect higher long-term prepayment experience. Partially offsetting these benefits were additional provisions to reflect the adoption of our credit administration practices changes and other management overlays. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Troubled Debt Restructurings </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All of our loans are collectively assessed for impairment, except for loans classified as TDRs (where we conduct individual assessments of impairment). We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations, achieve better student outcomes, and increase the collectability of the loan. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When we give a borrower facing financial difficulty an interest rate reduction, we temporarily reduce the contractual interest rate on a loan to <ix:nonFraction unitRef="number" contextRef="i7186aab065e14fd6834ec6310665791c_I20211231" decimals="3" name="slm:LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzUzMzA_af70f181-caee-44bd-88d8-f48127913ce4">4.0</ix:nonFraction> percent for a <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:FinancingReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzM4NDgyOTA3MjYwNTY_fa438051-cf09-4fbb-a6d5-25078c874a9b">two-year</ix:nonNumeric> period and, in the vast majority of cases, permanently extend the final maturity date of the loan. The combination of these two loan term changes helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate.&#160;At December 31, 2021 and 2020, <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:LoansAndLeasesReceivablePercentageOfLoansInFullAndInterestRepaymentStatusThatAreSubjectToInterestRateReductions" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzU3NjM_4f292065-b9d2-4245-8be7-3c6a0a9969a5">7.2</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:LoansAndLeasesReceivablePercentageOfLoansInFullAndInterestRepaymentStatusThatAreSubjectToInterestRateReductions" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzU3NzA_92588823-7081-4084-9914-e39ce002376f">7.8</ix:nonFraction> percent, respectively, of our Private Education Loans held for investment then currently in full principal and interest repayment status were subject to interest rate reductions made under our rate modification program. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Once a loan qualifies for TDR status, it remains a TDR for allowance purposes for the remainder of its life. As of both December 31, 2021 and 2020, approximately <ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="slm:LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzYxNDM_0adea4d9-b836-478b-be05-dbaff42868ac"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="2" name="slm:LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzYxNDM_a072ce7f-903b-4018-b30e-09fa2a291761">47</ix:nonFraction></ix:nonFraction> percent of TDRs were classified as such due to their forbearance status. See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses&#8221; for a more detailed discussion.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Within the Private Education Loan portfolio, loans <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:CriteriaForLoansToBeConsideredAsNonperforming" format="ixt-sec:durday" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzY0MTA_89999071-c94f-44fe-92e4-540efedb43a6">90</ix:nonNumeric> days or greater past due are nonperforming. FFELP Loans are at least <ix:nonFraction unitRef="number" contextRef="ib015afffde644558949af8381119eaca_I20211231" decimals="2" name="slm:TierOneofGovernmentGuarantee" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzY0NjY_2ac272c6-8757-4581-a2d1-28651e1d40d7">97</ix:nonFraction> percent guaranteed as to their principal and accrued interest by the federal government in the event of default and, therefore, we do not deem FFELP Loans as nonperforming from a credit risk perspective at any point in their life cycle prior to claim payment and continue to accrue interest on those loans through the date of claim. </span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ImpairedFinancingReceivablesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NjI2_90dff61b-de12-45af-8e49-229d711faed6" escape="true"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December 31, 2021 and 2020, all of our TDR loans had a related allowance recorded. The following table provides the recorded investment, unpaid principal balance, and related allowance for our TDR loans. </span></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:57.361%"><tr><td style="width:1.0%"></td><td style="width:31.103%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.010%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.386%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.463%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.481%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.463%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.094%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Recorded Investment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Unpaid Principal Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Allowance</span></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id2b37e8579d14ec7963e6c9d18b6b69d_I20211231" decimals="-3" name="us-gaap:ImpairedFinancingReceivableRecordedInvestment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo2MDU0NDgzMTkwM2M0YzFlYWUwZmUyN2YyOTNmMWRkMi90YWJsZXJhbmdlOjYwNTQ0ODMxOTAzYzRjMWVhZTBmZTI3ZjI5M2YxZGQyXzMtMi0xLTEtMA_c140ce7c-a4af-4840-ac39-a57f76f40d42">1,093,387</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id2b37e8579d14ec7963e6c9d18b6b69d_I20211231" decimals="-3" name="us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo2MDU0NDgzMTkwM2M0YzFlYWUwZmUyN2YyOTNmMWRkMi90YWJsZXJhbmdlOjYwNTQ0ODMxOTAzYzRjMWVhZTBmZTI3ZjI5M2YxZGQyXzMtNC0xLTEtMA_0b1b81df-1cec-4cde-9ccb-7fe669caba38">1,057,665</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id2b37e8579d14ec7963e6c9d18b6b69d_I20211231" decimals="-3" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" format="ixt:num-dot-decimal" scale="3" 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1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td 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style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i780fe4319df1407ebe51e7d422acfca2_I20201231" decimals="-3" name="us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo2MDU0NDgzMTkwM2M0YzFlYWUwZmUyN2YyOTNmMWRkMi90YWJsZXJhbmdlOjYwNTQ0ODMxOTAzYzRjMWVhZTBmZTI3ZjI5M2YxZGQyXzYtNC0xLTEtMA_617990d2-e9dc-4b1c-821a-e85e425a2434">1,274,590</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i780fe4319df1407ebe51e7d422acfca2_I20201231" decimals="-3" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo2MDU0NDgzMTkwM2M0YzFlYWUwZmUyN2YyOTNmMWRkMi90YWJsZXJhbmdlOjYwNTQ0ODMxOTAzYzRjMWVhZTBmZTI3ZjI5M2YxZGQyXzYtNi0xLTEtMA_bffe5a81-ba15-4c3e-b6cd-5ebe0f94ec61">104,265</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-43</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Allowance for Credit Losses (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i1853656696df47dd97662e724951a039" continuedAt="ic6d9b2b3b75d4cd5842b842b6467c3f8"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;<ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:AverageRecordedInvestmentAndInterestIncomeRecognizedForTroubledDebtRestructuringLoansTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NjA4_9cfce965-4a21-4f4c-b055-dba502e42dfd" continuedAt="i45683e5f0eb341cd9105ba41e8a75e25" escape="true">The following table provides the average recorded investment and interest income recognized for our TDR loans.</ix:nonNumeric></span></div><div><span><br/></span></div><div style="text-align:center"><ix:continuation id="i45683e5f0eb341cd9105ba41e8a75e25"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.305%"><tr><td style="width:1.0%"></td><td style="width:17.186%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.623%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.573%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.612%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.953%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.953%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.420%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.623%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.420%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.623%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.592%"></td><td style="width:0.1%"></td></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:30pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span 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style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Income Recognized</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Recorded Investment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Income Recognized</span></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MjNkYTUzNzNkNGE0OGFjYjg0YTFhNGYwNTlkYTcyNS90YWJsZXJhbmdlOjkyM2RhNTM3M2Q0YTQ4YWNiODRhMWE0ZjA1OWRhNzI1XzQtMi0xLTEtMA_10f736f6-1442-407a-a81a-75076c7f44d6">1,220,739</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibfbef775806a49fbb1f72480edffec9b_D20210101-20211231" decimals="-3" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MjNkYTUzNzNkNGE0OGFjYjg0YTFhNGYwNTlkYTcyNS90YWJsZXJhbmdlOjkyM2RhNTM3M2Q0YTQ4YWNiODRhMWE0ZjA1OWRhNzI1XzQtNC0xLTEtMA_e223fa17-8cdc-4c91-b9d4-d567ec376d71">84,822</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic20d2c65f31b471aaf36c56320a3c400_D20200101-20201231" decimals="-3" name="us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MjNkYTUzNzNkNGE0OGFjYjg0YTFhNGYwNTlkYTcyNS90YWJsZXJhbmdlOjkyM2RhNTM3M2Q0YTQ4YWNiODRhMWE0ZjA1OWRhNzI1XzQtNi0xLTEtMA_1f941ebc-96cf-462a-b189-2139a09838e2">1,546,908</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic20d2c65f31b471aaf36c56320a3c400_D20200101-20201231" decimals="-3" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MjNkYTUzNzNkNGE0OGFjYjg0YTFhNGYwNTlkYTcyNS90YWJsZXJhbmdlOjkyM2RhNTM3M2Q0YTQ4YWNiODRhMWE0ZjA1OWRhNzI1XzQtOC0xLTEtMA_7a23b276-08c0-4f14-8f8f-ec9d5103db4f">100,125</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i941166cb97014cdc9760f2e91af4dd8f_D20190101-20191231" decimals="-3" name="us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MjNkYTUzNzNkNGE0OGFjYjg0YTFhNGYwNTlkYTcyNS90YWJsZXJhbmdlOjkyM2RhNTM3M2Q0YTQ4YWNiODRhMWE0ZjA1OWRhNzI1XzQtMTAtMS0xLTA_ab946c5d-f154-45d5-9624-1e3994ded58a">1,434,137</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i941166cb97014cdc9760f2e91af4dd8f_D20190101-20191231" decimals="-3" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo5MjNkYTUzNzNkNGE0OGFjYjg0YTFhNGYwNTlkYTcyNS90YWJsZXJhbmdlOjkyM2RhNTM3M2Q0YTQ4YWNiODRhMWE0ZjA1OWRhNzI1XzQtMTItMS0xLTA_a000fc29-f865-487a-9a89-313af68d9590">95,507</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></ix:continuation></div><div style="text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:PastDueFinancingReceivablesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0Njg3_ad7a2435-0cc0-4c75-9d31-6942a73cb6bd" continuedAt="ie3a87058621f49e8bc7fd72338513292" escape="true"><div style="text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information regarding the loan status and aging of TDR loans. For the periods presented below, we updated our delinquency bucket periods from what we reported in our 2020 Form 10-K to conform with the delinquency bucket periods defined by the Federal Financial Institutions Examination Council (&#8220;FFIEC&#8221;).</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:86.805%"><tr><td style="width:1.0%"></td><td style="width:53.940%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.600%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.420%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.600%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.360%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.420%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.600%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.380%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR loans in in-school/grace/deferment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia80fb0ebf4a44b8e95ce42940329c777_I20211231" decimals="-3" name="slm:LoanStatusInSchoolGraceAndDefermentRecordedInvestment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzMtMi0xLTEtMA_4157c888-babf-42a9-97cc-c53c5b9d2c3c">80,281</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7dd073275ff04f34bdaa6cc7721635e9_I20201231" decimals="-3" name="slm:LoanStatusInSchoolGraceAndDefermentRecordedInvestment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzMtNi0xLTEtMA_8a4a731b-2306-4ae8-a54f-dadb6f740b87">88,750</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR loans in forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia80fb0ebf4a44b8e95ce42940329c777_I20211231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzktMi0xLTEtMA_f297e071-6faa-4477-8d0a-3592b63c556d">41,464</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7dd073275ff04f34bdaa6cc7721635e9_I20201231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzktNi0xLTEtMA_3c464a66-f228-4f2c-9bfb-4b8b830b60e0">76,704</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"> and percentage of each status:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans current</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i43b4d3487d4b4c3692a08ce4b15ae2aa_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzExLTItMS0xLTA_0944de5f-dfa8-4405-8b91-403d9c0305d2">832,018</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i43b4d3487d4b4c3692a08ce4b15ae2aa_I20211231" decimals="3" name="slm:LoansInRepaymentCurrentInPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzExLTQtMS0xLTA_728be534-8e24-4096-a4ce-5c8ddc438878">88.9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if2be71e758774057b2ae72d143a7405c_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzExLTYtMS0xLTA_ff87f17a-548c-43f5-bb40-7c35793ff22a">971,880</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="if2be71e758774057b2ae72d143a7405c_I20201231" decimals="3" name="slm:LoansInRepaymentCurrentInPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzExLTgtMS0xLTA_ae87172f-c2f7-4bd0-b0af-bf02e368a444">87.7</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans delinquent 30-59 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iadd4dc7fa1e2477e9378c5cd6bbee404_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzEyLTItMS0xLTA_046125c3-af1b-46cc-83d7-ef1f88bc8d20">48,766</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iadd4dc7fa1e2477e9378c5cd6bbee404_I20211231" decimals="3" name="us-gaap:FinancingReceivablePercentPastDue1" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzEyLTQtMS0xLTA_cde54c67-23a4-42ce-b10d-a110fa85b7ea">5.2</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2b303e39f9a645d082de0cc750e4b3ec_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzEyLTYtMS0xLTA_c6d4a370-5a94-412b-9bc1-0b8c8506b07a">59,249</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i2b303e39f9a645d082de0cc750e4b3ec_I20201231" decimals="3" name="us-gaap:FinancingReceivablePercentPastDue1" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzEyLTgtMS0xLTA_d9a7091f-ffb6-42a1-9002-17a5aabd8f03">5.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans delinquent 60-89 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6e7cac108ed94923a3bb11e9f6fc97a6_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzEzLTItMS0xLTA_3de2833d-cbc0-446a-bbaa-4f5266e046e2">30,575</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i6e7cac108ed94923a3bb11e9f6fc97a6_I20211231" decimals="3" name="us-gaap:FinancingReceivablePercentPastDue1" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzEzLTQtMS0xLTA_e3f989e4-a899-4cb5-a23e-aa8dd712b840">3.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i424a990b20414e3893c55b469d85a846_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzEzLTYtMS0xLTA_c181a1a2-8b80-4e58-9ad8-b1a6ed962532">43,576</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE0LTItMS0xLTA_c603b3e1-1353-4f8e-88f5-4e335aab6ae9">24,561</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i7b1e320f8864406ead13a28460529d08_I20211231" decimals="3" name="us-gaap:FinancingReceivablePercentPastDue1" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE0LTQtMS0xLTA_222f651b-7044-4dd8-8e2e-9695b3f31ec7">2.6</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2a70d1027ef5421bb5e9783264e982b0_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE0LTYtMS0xLTA_ae64a9b0-8d61-4cce-b028-a126327645d6">34,431</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i2a70d1027ef5421bb5e9783264e982b0_I20201231" decimals="3" name="us-gaap:FinancingReceivablePercentPastDue1" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE0LTgtMS0xLTA_0ff59c95-2ec4-4e09-9444-ddb2eec28e2b">3.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total TDR loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia80fb0ebf4a44b8e95ce42940329c777_I20211231" decimals="-3" name="slm:LoansInRepaymentOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE1LTItMS0xLTA_27f2cc0f-bdf2-44ea-9b32-18b427f42b66">935,920</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ia80fb0ebf4a44b8e95ce42940329c777_I20211231" decimals="0" name="slm:LoansInRepaymentInPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE1LTQtMS0xLTA_8ade5096-02c8-436f-b972-ddf0cdcc9570">100.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7dd073275ff04f34bdaa6cc7721635e9_I20201231" decimals="-3" name="slm:LoansInRepaymentOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE1LTYtMS0xLTA_621e15b2-860e-43a9-b3ef-2b5112fdec0b">1,109,136</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i7dd073275ff04f34bdaa6cc7721635e9_I20201231" decimals="0" name="slm:LoansInRepaymentInPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE1LTgtMS0xLTA_50cf37cf-933a-4d9b-827c-d100f9b9cef9">100.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total TDR loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia80fb0ebf4a44b8e95ce42940329c777_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE2LTItMS0xLTA_837aa518-5c42-4e75-87dd-5928f9252dab">1,057,665</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7dd073275ff04f34bdaa6cc7721635e9_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE2LTYtMS0xLTA_dd56a353-988f-49a5-9f37-4ac92c6b7d5f">1,274,590</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period, (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The period of delinquency is based on the number of days scheduled payments are contractually past due.</span></div></ix:nonNumeric></ix:continuation><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-44  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Allowance for Credit Losses (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div><span><br/></span></div><ix:continuation id="ic6d9b2b3b75d4cd5842b842b6467c3f8" continuedAt="ib33ee7511fc748bdb01864206ec9dc58"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:ModifiedLoansAccountsForTroubledDebtRestructuringTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NjY2_ca1a3abc-2a47-450f-b455-5fc6a8b21749" continuedAt="i58e20e4093404908af7d109e29c59b36" escape="true"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides the amount of modified loans (which include forbearance and reductions in interest rates) that became TDRs in the periods presented. Additionally, for the periods presented, the table summarizes charge-offs occurring in the TDR portfolio, as well as TDRs for which a payment default occurred in the relevant period presented and within 12 months of the loan first being designated as a TDR. We define payment default as <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:PaymentDefaultPeriodForTroubledDebtRestructurings" format="ixt-sec:durday" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzg2MTQ_2a8d2c89-0d69-45c4-b812-f0f843da720d">60</ix:nonNumeric> days past due for this disclosure. </span></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.416%"><tr><td style="width:1.0%"></td><td style="width:12.291%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.779%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.964%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.964%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.051%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.652%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.964%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.469%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.663%"></td><td style="width:0.1%"></td></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Modified Loans</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Charge-offs</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment-Default</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Modified Loans</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Charge-offs</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment-Default</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Modified Loans</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Charge-offs</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 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style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 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style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozYWFmNTA5ZDBmZDc0NDUyYWQ3ZTNiZjVhNzYxMjdjNi90YWJsZXJhbmdlOjNhYWY1MDlkMGZkNzQ0NTJhZDdlM2JmNWE3NjEyN2M2XzQtNC0xLTEtMA_1e58cc7d-0e03-4dea-a26a-3b8abf7c4241">64,682</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozYWFmNTA5ZDBmZDc0NDUyYWQ3ZTNiZjVhNzYxMjdjNi90YWJsZXJhbmdlOjNhYWY1MDlkMGZkNzQ0NTJhZDdlM2JmNWE3NjEyN2M2XzQtNi0xLTEtMA_78032d9c-6a7b-469a-834e-f29afe72b774">9,626</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozYWFmNTA5ZDBmZDc0NDUyYWQ3ZTNiZjVhNzYxMjdjNi90YWJsZXJhbmdlOjNhYWY1MDlkMGZkNzQ0NTJhZDdlM2JmNWE3NjEyN2M2XzQtOC0xLTEtMA_6874df2b-6c69-4464-81e2-8a7a2e5d3518">207,001</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:continuation id="i58e20e4093404908af7d109e29c59b36">(1)   Represents the principal balance of loans that have been modified during the period and resulted in a TDR.</ix:continuation> </span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Private Education Loans Held for Investment - Key Credit Quality Indicators</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FFELP Loans are at least <ix:nonFraction unitRef="number" contextRef="ib015afffde644558949af8381119eaca_I20211231" decimals="2" name="slm:TierOneofGovernmentGuarantee" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzg4Nzg_71410c1a-3057-40c4-b4d6-6869e25724fc">97</ix:nonFraction> percent guaranteed as to their principal and accrued interest in the event of default; therefore, there are no key credit quality indicators associated with FFELP Loans. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For Private Education Loans, the key credit quality indicators are FICO scores, the existence of a cosigner, the loan status, and loan seasoning. The FICO scores are assessed at original approval and periodically refreshed/updated through the loan&#8217;s term. <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NjI0_59e4dea6-2b48-40dc-b700-6c435f131a31" continuedAt="ia3337c5b2b194e43b2acd7922f1ba0d0" escape="true">The following tables highlight the gross principal balance of our Private Education Loan portfolio (held for investment), by year of origination, stratified by key credit quality indicators. </ix:nonNumeric></span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-45</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Allowance for Credit Losses (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><ix:continuation id="ib33ee7511fc748bdb01864206ec9dc58" continuedAt="i9ae377285186409692586dab4be538b9"><ix:continuation id="ia3337c5b2b194e43b2acd7922f1ba0d0" continuedAt="i5e37f5efcc464a3c903faa95791c5707"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.500%"><tr><td style="width:1.0%"></td><td style="width:17.969%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.550%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.851%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.851%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.851%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.851%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.851%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.659%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.851%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.059%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.052%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.560%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment - Credit Quality Indicators</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year of Origination</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016 and Prior</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">% of Balance</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Cosigners:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">With cosigner</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icea8ed5d355c4c0f862edd07188f4df3_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzUtMi0xLTEtMA_6aef3f6e-7ab0-4e7a-8613-13952e920640">3,263,892</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icea8ed5d355c4c0f862edd07188f4df3_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzUtNC0xLTEtMA_ed17f7d8-98ff-49e4-8e38-1ae77e6f7fbe">3,604,553</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icea8ed5d355c4c0f862edd07188f4df3_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzUtNi0xLTEtMA_19a4c527-fba6-4208-848b-fbd26d70dbe5">2,778,262</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icea8ed5d355c4c0f862edd07188f4df3_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzUtOC0xLTEtMA_3258eba9-7565-4d0b-b577-698493beb81e">2,025,463</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icea8ed5d355c4c0f862edd07188f4df3_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzUtMTAtMS0xLTA_e0a42043-433c-468a-9533-d283a84e8773">1,765,719</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icea8ed5d355c4c0f862edd07188f4df3_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzUtMTItMS0xLTA_a9d1afda-1278-4524-b360-fa5377d43b52">4,753,775</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icea8ed5d355c4c0f862edd07188f4df3_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzUtMTQtMS0xLTA_269954d8-d6a3-4235-8b7b-cffc2724ef5c">18,191,664</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="icea8ed5d355c4c0f862edd07188f4df3_I20211231" decimals="2" name="slm:PercentOfPrivateLoans" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzUtMTYtMS0xLTA_02964b43-e5c2-4bcd-a500-53bbd74b9a3e">88</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Without cosigner</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1c4519793b804e41a237f833a2966a6e_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzYtMi0xLTEtMA_1151a610-89a7-496d-81e2-dd4e5abee283">558,469</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1c4519793b804e41a237f833a2966a6e_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzYtNC0xLTEtMA_5054c57b-f349-4f17-8996-309dd3081a09">561,730</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1c4519793b804e41a237f833a2966a6e_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzYtNi0xLTEtMA_93ab397f-09e1-4eed-9fa8-cdc2c2131d31">438,263</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1c4519793b804e41a237f833a2966a6e_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzYtOC0xLTEtMA_103889e4-50ad-46a2-933f-a21b0466df86">294,597</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1c4519793b804e41a237f833a2966a6e_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzYtMTAtMS0xLTA_70e7cf82-92f7-47f2-99db-5aacde87de18">212,514</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1c4519793b804e41a237f833a2966a6e_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzYtMTItMS0xLTA_9f0587d2-7bcd-4e0d-9958-90117fe839ac">459,626</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1c4519793b804e41a237f833a2966a6e_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzYtMTQtMS0xLTA_0d0e5e55-c7b9-41ae-956e-69569d6edb68">2,525,199</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i1c4519793b804e41a237f833a2966a6e_I20211231" decimals="2" name="slm:PercentOfPrivateLoans" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzYtMTYtMS0xLTA_e0dde661-f06b-4e9e-8727-fb4848b08231">12</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i74338fafafdb4506ac88d16503fd516f_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzctMi0xLTEtMA_083e4af1-3d09-4c95-b51c-ce99d0cd479f">3,822,361</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i74338fafafdb4506ac88d16503fd516f_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzctNC0xLTEtMA_89586658-c9b5-4dda-8a0c-50fdbe1369a2">4,166,283</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i74338fafafdb4506ac88d16503fd516f_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzctNi0xLTEtMA_26b5daba-2ac7-4aa7-a1fa-91ffd67e905f">3,216,525</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i74338fafafdb4506ac88d16503fd516f_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzctOC0xLTEtMA_48a048ee-b12d-4354-811c-0641f7cb6c0f">2,320,060</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i74338fafafdb4506ac88d16503fd516f_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzctMTAtMS0xLTA_82ab9263-3203-4ac3-96e5-ec33fb7926b0">1,978,233</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i74338fafafdb4506ac88d16503fd516f_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzctMTItMS0xLTA_5a64ac91-f6f4-4e94-898c-0bcb52e4ba0d">5,213,401</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i74338fafafdb4506ac88d16503fd516f_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzctMTQtMS0xLTA_125ff130-2159-48c5-8cf3-cd434a6b7bd3">20,716,863</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i74338fafafdb4506ac88d16503fd516f_I20211231" decimals="0" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzctMTYtMS0xLTA_9f6d8c13-c1f6-47a5-9542-caac23b0898c">100</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FICO at Origination</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Less than 670</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i410e7b8570d1473a8b1a701c91e3df24_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEwLTItMS0xLTA_d3be0d5b-2d25-43ae-b5f7-354247876087">248,368</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i410e7b8570d1473a8b1a701c91e3df24_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEwLTQtMS0xLTA_5163a5ed-5385-4840-ad92-d538b22affc6">238,005</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i410e7b8570d1473a8b1a701c91e3df24_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEwLTYtMS0xLTA_2d1c1c20-5429-4fa5-9e4a-5fc20ffed040">251,157</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i410e7b8570d1473a8b1a701c91e3df24_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEwLTgtMS0xLTA_1912208b-a860-4ca0-b360-cd89765cb1b4">193,123</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i410e7b8570d1473a8b1a701c91e3df24_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEwLTEwLTEtMS0w_bdb3459d-cfe8-4004-8e2a-838c7b892285">166,048</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i410e7b8570d1473a8b1a701c91e3df24_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEwLTEyLTEtMS0w_2d1cf2df-24d6-4de5-9803-063c3c457178">428,416</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i410e7b8570d1473a8b1a701c91e3df24_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEwLTE0LTEtMS0w_2c6b5225-897d-4e90-b37a-86cf6a2ddc8e">1,525,117</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i410e7b8570d1473a8b1a701c91e3df24_I20211231" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEwLTE2LTEtMS0w_ad288651-04e4-47da-b15c-1e3b31daf12c">7</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">670-699</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib5dd9991aaf3494086a99553d76ec23b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzExLTItMS0xLTA_897ffb09-b912-4e4e-8885-4f24f7719170">508,264</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib5dd9991aaf3494086a99553d76ec23b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzExLTQtMS0xLTA_527c71de-a89d-45b3-ac20-a3b2045d8084">564,497</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib5dd9991aaf3494086a99553d76ec23b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzExLTYtMS0xLTA_5b3b6254-5435-4093-855a-b88ffdb2a04a">493,237</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib5dd9991aaf3494086a99553d76ec23b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzExLTgtMS0xLTA_422f1c9d-b2f7-4eda-ae89-b063a40457c6">363,313</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib5dd9991aaf3494086a99553d76ec23b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzExLTEwLTEtMS0w_e91d402b-37cf-4eb2-8c7d-657ac71b771b">329,807</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib5dd9991aaf3494086a99553d76ec23b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzExLTEyLTEtMS0w_8bdcf77b-ab85-40cf-bbd4-c210a3b20cf8">884,981</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib5dd9991aaf3494086a99553d76ec23b_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzExLTE0LTEtMS0w_5d63da8d-738b-42e1-89f7-d72f8970b68b">3,144,099</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ib5dd9991aaf3494086a99553d76ec23b_I20211231" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzExLTE2LTEtMS0w_28f75cda-1538-448d-82e5-2863a6f059c7">15</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">700-749</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i174dcc03f8bf40f9874c8e736364e1a3_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEyLTItMS0xLTA_7257c8b9-07c5-4e56-92a6-31199ae706ce">1,210,833</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i174dcc03f8bf40f9874c8e736364e1a3_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEyLTQtMS0xLTA_7824e5b8-1db3-40e8-b268-6801cec0f067">1,348,269</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i174dcc03f8bf40f9874c8e736364e1a3_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEyLTYtMS0xLTA_a495b51a-b4ba-4bc0-86a9-c51e34659348">1,057,001</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i174dcc03f8bf40f9874c8e736364e1a3_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEyLTgtMS0xLTA_d026fb82-9120-4db5-8e1c-da08851ea958">770,452</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i174dcc03f8bf40f9874c8e736364e1a3_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEyLTEwLTEtMS0w_989e83c4-90b3-42ff-b9f4-c078f85fa280">660,270</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i174dcc03f8bf40f9874c8e736364e1a3_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEyLTEyLTEtMS0w_42926126-d90e-4c3a-91ae-ef22e3950961">1,753,709</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i174dcc03f8bf40f9874c8e736364e1a3_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEyLTE0LTEtMS0w_4589b705-5e20-4578-9827-e63fecb97098">6,800,534</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i174dcc03f8bf40f9874c8e736364e1a3_I20211231" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEyLTE2LTEtMS0w_1f3067cf-ee16-4c25-8a56-11ab83f53109">33</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Greater than or equal to 750</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5326b6a7ecd64f8987536877b5d3d906_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEzLTItMS0xLTA_0e3ee8da-c97a-4b52-a810-bf98b6fa5f8f">1,854,896</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5326b6a7ecd64f8987536877b5d3d906_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEzLTQtMS0xLTA_9dc0cdde-b07c-4199-9cde-edd34ad7b096">2,015,512</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5326b6a7ecd64f8987536877b5d3d906_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEzLTYtMS0xLTA_392838f9-d592-414e-916b-e032f38833ef">1,415,130</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5326b6a7ecd64f8987536877b5d3d906_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEzLTgtMS0xLTA_0eeecb28-5555-47d9-b0e4-52ac5c94f228">993,172</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5326b6a7ecd64f8987536877b5d3d906_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEzLTEwLTEtMS0w_8c3f780e-80f9-4465-be39-d772fc32d24f">822,108</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5326b6a7ecd64f8987536877b5d3d906_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEzLTEyLTEtMS0w_8210a261-2081-41cf-893e-c4419f3f79cf">2,146,295</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5326b6a7ecd64f8987536877b5d3d906_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEzLTE0LTEtMS0w_3edfb245-8afa-4870-9694-6bb267ebdede">9,247,113</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i5326b6a7ecd64f8987536877b5d3d906_I20211231" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzEzLTE2LTEtMS0w_e7d1ff01-ba77-4220-a470-0a27eab1d3c7">45</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1813525af9d8407aa680cb4a3660135b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE0LTItMS0xLTA_e7dc2f51-ba09-4e90-bd13-4c7f248280c7">3,822,361</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1813525af9d8407aa680cb4a3660135b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE0LTQtMS0xLTA_04ed18c2-8366-4812-906f-62a8387ffc6d">4,166,283</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1813525af9d8407aa680cb4a3660135b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE0LTYtMS0xLTA_5e26b066-440e-4fa8-a038-37a4baa27530">3,216,525</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1813525af9d8407aa680cb4a3660135b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE0LTgtMS0xLTA_224b7284-53e9-4f38-960e-c3d6587187c9">2,320,060</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1813525af9d8407aa680cb4a3660135b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE0LTEwLTEtMS0w_88782ee0-acd4-4a70-916e-532ca85a3265">1,978,233</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1813525af9d8407aa680cb4a3660135b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE0LTEyLTEtMS0w_fe31654d-7155-4c31-98e6-b93162c1a3ef">5,213,401</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1813525af9d8407aa680cb4a3660135b_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE0LTE0LTEtMS0w_1ef52d9e-cf06-44fb-b8ab-8d754b5d2041">20,716,863</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i1813525af9d8407aa680cb4a3660135b_I20211231" decimals="0" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE0LTE2LTEtMS0w_8e9e28d7-e48b-4fb5-a8a2-032eb588c1a8">100</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:11pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FICO Refreshed</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Less than 670</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5a5d4427817c4345a684165dc2498837_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE4LTItMS0xLTA_339fde19-5fe2-4f03-93ab-02c99242ac6d">326,613</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5a5d4427817c4345a684165dc2498837_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE4LTQtMS0xLTA_7cb6bb19-4c22-45ea-a563-04db3f0f83af">279,578</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5a5d4427817c4345a684165dc2498837_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE4LTYtMS0xLTA_b7b79771-d909-43a5-856f-8cd12f2069c7">273,652</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5a5d4427817c4345a684165dc2498837_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE4LTgtMS0xLTA_885d0163-cad2-4829-ba20-6f7ec8749f19">235,684</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" 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1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5a5d4427817c4345a684165dc2498837_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE4LTE0LTEtMS0w_63771459-c8cb-418c-abad-95722f8b58e1">2,087,817</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE5LTgtMS0xLTA_289cd77c-e53a-485d-921b-359ebe909b93">256,400</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6654c294abc64f26adf5c840b209a004_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE5LTEyLTEtMS0w_c8a90087-3952-4b94-8956-5f39a9cc7072">570,605</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6654c294abc64f26adf5c840b209a004_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE5LTE0LTEtMS0w_c7eb1492-34ef-4784-93d8-0078280acf40">2,383,369</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i6654c294abc64f26adf5c840b209a004_I20211231" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzE5LTE2LTEtMS0w_3055f29d-c894-471c-a3e7-e22ebc25b93f">12</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">700-749</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i57326f505daf421997befdad452a9602_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIwLTYtMS0xLTA_5a867af8-5e11-4039-82db-a3677b80c005">978,763</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i57326f505daf421997befdad452a9602_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIwLTgtMS0xLTA_18946fb6-140d-436e-a06c-27e79b9fb269">682,024</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i57326f505daf421997befdad452a9602_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIwLTEwLTEtMS0w_ff9a62d4-7997-423a-a84a-066284d8de6b">568,766</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i57326f505daf421997befdad452a9602_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIwLTEyLTEtMS0w_2a563421-de86-4562-8b9a-8608a169a6b4">1,448,692</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i57326f505daf421997befdad452a9602_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIwLTE0LTEtMS0w_ae503184-8f0f-4461-b63b-0a723b2d6d28">6,172,753</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i57326f505daf421997befdad452a9602_I20211231" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIwLTE2LTEtMS0w_0ed73a23-c61b-48d8-9424-8e4e4d2ae245">30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Greater than or equal to 750</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie19b96fe5dbb4e9fac08a32ae894538d_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIxLTItMS0xLTA_30402a8b-7300-4ba3-994f-035756199b52">1,780,234</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie19b96fe5dbb4e9fac08a32ae894538d_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIxLTQtMS0xLTA_a93dc9d5-f1b0-40ee-8f9f-d5f5617fcf66">2,126,016</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie19b96fe5dbb4e9fac08a32ae894538d_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIxLTYtMS0xLTA_fbac1806-28fd-4982-89f3-b55b75e1c0d1">1,598,977</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie19b96fe5dbb4e9fac08a32ae894538d_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIxLTgtMS0xLTA_3a13a115-a6fa-47ce-8f17-ab2148165d4d">1,145,952</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie19b96fe5dbb4e9fac08a32ae894538d_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIxLTEwLTEtMS0w_ab704811-a46b-43a9-883d-43b6c16e8eaf">966,909</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie19b96fe5dbb4e9fac08a32ae894538d_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIxLTEyLTEtMS0w_8999ded8-1404-4358-8371-cf01403d4c4e">2,454,836</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie19b96fe5dbb4e9fac08a32ae894538d_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIxLTE0LTEtMS0w_cec5b2dc-f168-4572-bb47-6fa5896b078b">10,072,924</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ie19b96fe5dbb4e9fac08a32ae894538d_I20211231" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIxLTE2LTEtMS0w_69c8b197-e448-42fd-adec-e010d603704d">48</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac5b74a9e7e64627bf3882ebd7aa917b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIyLTItMS0xLTA_3d0b8b2b-4654-496b-9409-9f1632bd0760">3,822,361</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac5b74a9e7e64627bf3882ebd7aa917b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIyLTQtMS0xLTA_89bbc4f2-42a7-40b5-9000-6e0b6425925a">4,166,283</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac5b74a9e7e64627bf3882ebd7aa917b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIyLTYtMS0xLTA_c7f8e9e8-4886-4d68-a79d-918dbb11545b">3,216,525</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac5b74a9e7e64627bf3882ebd7aa917b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIyLTgtMS0xLTA_044a5c6b-e256-40a0-a099-7f35930323e3">2,320,060</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac5b74a9e7e64627bf3882ebd7aa917b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIyLTEwLTEtMS0w_82946e54-3063-4d15-87f6-96e5d9c6a407">1,978,233</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac5b74a9e7e64627bf3882ebd7aa917b_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIyLTEyLTEtMS0w_abfb4c2a-b530-49dc-ba1e-c38485d37f36">5,213,401</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac5b74a9e7e64627bf3882ebd7aa917b_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIyLTE0LTEtMS0w_e9a81890-2b84-4f52-a3d6-f0d3ec75b731">20,716,863</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac5b74a9e7e64627bf3882ebd7aa917b_I20211231" decimals="0" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzIyLTE2LTEtMS0w_b414dac2-1ebd-4ad2-9bdf-c97d1dfbdd57">100</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Seasoning</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1-12 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if0cc69403b6243d6b1890a8ffd7d28c6_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI1LTItMS0xLTA_d083ace5-60e7-437e-8933-0403b67ec141">2,265,811</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if0cc69403b6243d6b1890a8ffd7d28c6_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI1LTQtMS0xLTA_6cd59214-96cf-4aa6-8a62-bf28604d303c">594,850</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if0cc69403b6243d6b1890a8ffd7d28c6_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI1LTYtMS0xLTA_37325ed2-4ea6-4985-9384-d3b0f088b4c8">515,328</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if0cc69403b6243d6b1890a8ffd7d28c6_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" 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0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13-24 payments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4c1d574aae134796aa0be71a591ffe80_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:fixed-zero" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI2LTQtMS0xLTA_611622ee-245a-41cb-89ad-b74560ca5104">2,287,737</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4c1d574aae134796aa0be71a591ffe80_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI2LTYtMS0xLTA_5f6f9515-9f17-43ad-9995-9543b5e494a5">362,674</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4c1d574aae134796aa0be71a591ffe80_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI2LTEwLTEtMS0w_d41b92c0-32d7-43f3-bcdf-57b9caafb45d">211,064</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4c1d574aae134796aa0be71a591ffe80_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibb0522552e364a4596873e6c4e129ce6_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI4LTQtMS0xLTA_6f4b235d-217c-408d-bd56-1b5258afa74c">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibb0522552e364a4596873e6c4e129ce6_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI4LTYtMS0xLTA_c1fd37a9-3d96-452d-95ed-4acdaf253d96">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibb0522552e364a4596873e6c4e129ce6_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI4LTgtMS0xLTA_fb36328d-65c7-44b7-a7f2-98f3786d3201">983,434</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibb0522552e364a4596873e6c4e129ce6_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI4LTEwLTEtMS0w_2d7ec90d-57f5-439b-9842-920a1405e15a">295,206</ix:nonFraction>&#160;</span></td><td 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style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibb0522552e364a4596873e6c4e129ce6_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI4LTE0LTEtMS0w_f80ef7ca-0efc-421d-9b2b-eb753b4e3ff6">1,743,203</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">More than 48 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie204fa2d50a44a9a8a645d4d06a34456_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:fixed-zero" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI5LTQtMS0xLTA_2ca5e7ba-b387-4c4a-b151-569c3a4462f0">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie204fa2d50a44a9a8a645d4d06a34456_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI5LTYtMS0xLTA_8b919ac9-7cc2-4980-9e72-be690b416a6d">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie204fa2d50a44a9a8a645d4d06a34456_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI5LTgtMS0xLTA_0276a47c-2966-4fdf-8fba-7476ffd2f662">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie204fa2d50a44a9a8a645d4d06a34456_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI5LTEwLTEtMS0w_8a146ac5-eaee-4ea9-b92d-6e7392dbef9e">671,138</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie204fa2d50a44a9a8a645d4d06a34456_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI5LTEyLTEtMS0w_7c67582a-d401-4e42-83e6-68ecfe707acc">2,726,304</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie204fa2d50a44a9a8a645d4d06a34456_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI5LTE0LTEtMS0w_10422ed1-6cb8-46ca-8280-7f82b223fdcc">3,397,442</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i4678afe02d8b491d9efd8862259f8e11_I20211231" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzI5LTE2LTEtMS0w_853505f0-b704-4ba7-9634-5da134ae5f06">16</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Not yet in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if20191a3215f465cbdad3c30985ae729_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMwLTItMS0xLTA_fcb0bb7c-e75a-4031-91bf-95fd9d751f94">1,556,550</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if20191a3215f465cbdad3c30985ae729_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMwLTQtMS0xLTA_3a2e97a7-2ebc-4a1d-ab28-64bfb0f7eba8">1,283,523</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if20191a3215f465cbdad3c30985ae729_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMwLTYtMS0xLTA_201f51c1-ab43-4df5-8f1e-6264cacaca14">773,320</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if20191a3215f465cbdad3c30985ae729_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMwLTgtMS0xLTA_a3180b73-5351-4f63-9031-ccc1fc8d3eec">435,657</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if20191a3215f465cbdad3c30985ae729_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMwLTEwLTEtMS0w_40c02ad4-a1c2-405f-870b-bdfa76b0410b">296,008</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if20191a3215f465cbdad3c30985ae729_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMwLTEyLTEtMS0w_b54312d6-dfc6-47b1-a2dd-a3cc5312ff95">559,356</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if20191a3215f465cbdad3c30985ae729_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMwLTE0LTEtMS0w_a68b1355-6d66-4437-bad1-6986024f4c3a">4,904,414</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i4678afe02d8b491d9efd8862259f8e11_I20211231" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMwLTE2LTEtMS0w_4facb7f3-0806-4039-8f54-1ed7a9889b29">25</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4678afe02d8b491d9efd8862259f8e11_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMxLTItMS0xLTA_7c124c00-8bde-48a3-a114-ab06b7467ea1">3,822,361</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4678afe02d8b491d9efd8862259f8e11_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMxLTQtMS0xLTA_6fae0cd7-7a6c-4107-94c0-fa90889d8f77">4,166,283</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4678afe02d8b491d9efd8862259f8e11_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMxLTYtMS0xLTA_88b54702-ea3f-40e7-af29-8014b77d5541">3,216,525</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4678afe02d8b491d9efd8862259f8e11_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMxLTgtMS0xLTA_2df6bc3a-89d9-4173-9b14-d562d49cf400">2,320,060</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4678afe02d8b491d9efd8862259f8e11_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMxLTEwLTEtMS0w_14703a08-b578-45ec-ab21-03355e7db9bf">1,978,233</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4678afe02d8b491d9efd8862259f8e11_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMxLTEyLTEtMS0w_8f99c484-287c-40fc-b906-6412f659ba9c">5,213,401</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4678afe02d8b491d9efd8862259f8e11_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMxLTE0LTEtMS0w_c741d27a-a4a5-4336-b5f6-be6217967c6d">20,716,863</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i4678afe02d8b491d9efd8862259f8e11_I20211231" decimals="0" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMxLTE2LTEtMS0w_039d545d-a2d4-4aa6-a3f2-502a691e6f19">100</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2021 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5) </span><span 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMzLTItMS0xLTA_ed5e41a5-d25d-4a6d-ba60-a560523544f5">1,183</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMzLTQtMS0xLTA_b080e981-b91b-4a35-ab2b-2c536271d518">8,604</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMzLTYtMS0xLTA_90fdc4b8-b2a8-41ca-b683-8c527e7f3b27">23,866</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMzLTgtMS0xLTA_db01b130-217e-4c08-b8fd-1929d5294961">32,741</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMzLTEwLTEtMS0w_8ced2349-d2af-4624-a4b0-e3486517eab3">37,186</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMzLTEyLTEtMS0w_5a6bbd13-4d44-48cd-be91-090241c12df7">126,011</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzMzLTE0LTEtMS0w_78c42a95-9757-46c3-a5d6-583d720535bc">229,591</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2021 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> recoveries</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM0LTItMS0xLTA_fc90a815-7d1a-48bc-8f54-2745cbfe2256">35</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM0LTQtMS0xLTA_9dc18458-6f25-404b-9c81-b95538bd2e4d">540</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM0LTYtMS0xLTA_d3664411-48a8-4de4-84bb-c18637bc4ade">2,092</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM0LTgtMS0xLTA_cad2857d-c151-4777-ab25-21b1f235ca7f">3,693</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM0LTEwLTEtMS0w_731ffe1b-40b8-4828-b743-ed73b0f2ea98">4,450</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM0LTEyLTEtMS0w_1784c218-a06f-4845-999e-c0a21d2946d3">18,684</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM0LTE0LTEtMS0w_2164c994-2fec-4787-be0f-b5867ee29a1e">29,494</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2021 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> net charge-offs</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM1LTItMS0xLTA_f3eb1ca0-e70e-4e45-80f3-b5d64ff544ab">1,148</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM1LTQtMS0xLTA_5da33d54-b01e-43ec-b4e5-604b61197dee">8,064</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM1LTYtMS0xLTA_10c00390-0844-4c8d-8739-bd2ececb8506">21,774</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM1LTgtMS0xLTA_5ec1823d-a627-4cae-8fee-41968319f9ed">29,048</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM1LTEwLTEtMS0w_baad9920-75ef-45c9-b485-e2c6188dd367">32,736</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM1LTEyLTEtMS0w_29e6df7c-bd4d-4706-a87a-f0477dcada42">107,327</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i33683fc0291d48df91ecaebac8dd22f3_D20210101-20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM1LTE0LTEtMS0w_6823a9ed-ba38-4e49-8732-ebe2c8b8f495">200,097</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total accrued interest by origination vintage</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM3LTItMS0xLTA_1447625a-6cfe-4c69-b3e5-0b4ee3e09a98">109,233</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM3LTQtMS0xLTA_54124b45-9db9-463c-a239-1f0bb6818681">247,418</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" 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style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM3LTgtMS0xLTA_c69cc32f-ce8b-4264-a57f-977d8c4f9ca9">198,816</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM3LTEwLTEtMS0w_ca667a00-84d0-4ef2-8e72-4475f27fb5ba">131,685</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM3LTEyLTEtMS0w_353f9f3f-3d29-497f-a0b9-60bd82d6557c">229,729</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo1ZGQ3MDE0YzliNzU0ZjQwODc2MmQxZmY1MmUyOTQ2MS90YWJsZXJhbmdlOjVkZDcwMTRjOWI3NTRmNDA4NzYyZDFmZjUyZTI5NDYxXzM3LTE0LTEtMS0w_c7aff913-59e6-4066-b4da-b78572aff57e">1,187,123</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="51" rowspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-top:3pt;padding-left:24.75pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Balance represents gross Private Education Loans held for investment.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Represents the higher credit score of the cosigner or the borrower.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Represents the FICO score updated as of the fourth-quarter 2021.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was due.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Current period refers to period from January 1, 2021 through December 31, 2021.</span></div></td></tr><tr style="height:23pt"><td colspan="51" style="display:none"></td></tr><tr style="height:26pt"><td colspan="51" style="display:none"></td></tr></table></ix:continuation></ix:continuation></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-46  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Allowance for Credit Losses (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div><span><br/></span></div><div style="text-align:center"><ix:continuation id="i9ae377285186409692586dab4be538b9" continuedAt="idc8de6b6d78742e6bf2dad2dbe2919e0"><ix:continuation id="i5e37f5efcc464a3c903faa95791c5707"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.500%"><tr><td style="width:1.0%"></td><td style="width:17.969%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.550%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.851%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.851%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.851%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.851%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.851%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.659%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.851%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.059%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.052%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.560%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment -  Credit Quality Indicators</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year of Origination</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2015 and Prior</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">% of Balance</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Cosigners:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">With cosigner</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i47e8d1f1a4aa4b0398ee261866332041_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" 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contextRef="i47e8d1f1a4aa4b0398ee261866332041_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzUtNC0xLTEtMA_a3828a27-3896-4a79-8ec3-84f723970533">3,467,219</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i47e8d1f1a4aa4b0398ee261866332041_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzUtNi0xLTEtMA_7296d17e-dd0f-4ff8-9d79-b74ce672d440">2,556,400</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i47e8d1f1a4aa4b0398ee261866332041_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzUtOC0xLTEtMA_9a995891-4f6c-4d3c-aaf3-2a3336afdad9">2,262,635</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i47e8d1f1a4aa4b0398ee261866332041_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzUtMTAtMS0xLTA_4b5e9106-fdb8-4ced-b473-0502d07ef974">1,977,952</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i47e8d1f1a4aa4b0398ee261866332041_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzUtMTItMS0xLTA_c87245bc-862c-48f5-8232-9f98e7c8977a">4,198,748</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i47e8d1f1a4aa4b0398ee261866332041_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzUtMTQtMS0xLTA_d848bc3f-8827-416c-8604-38928e52ba8e">17,378,282</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i47e8d1f1a4aa4b0398ee261866332041_I20201231" decimals="2" name="slm:PercentOfPrivateLoans" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzUtMTYtMS0xLTA_d2bd1689-37d7-410d-81d6-576a8b383ab3">88</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Without cosigner</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if0cc714c356042e7bab777a8ae513338_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzYtMi0xLTEtMA_4f130b4c-2dac-4185-94e9-b05f89659fea">527,437</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if0cc714c356042e7bab777a8ae513338_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzYtNC0xLTEtMA_918bf5b0-9aec-436c-9a97-89b8185d91fe">559,629</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if0cc714c356042e7bab777a8ae513338_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzYtNi0xLTEtMA_1130cddb-38bc-4077-adce-ea0a1f827fdd">384,111</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if0cc714c356042e7bab777a8ae513338_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzYtOC0xLTEtMA_a0e96378-4fa1-4c15-93d3-795932c62131">277,159</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if0cc714c356042e7bab777a8ae513338_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzYtMTAtMS0xLTA_5d232f75-d6b9-44be-a3ed-266ab32e30c8">211,270</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if0cc714c356042e7bab777a8ae513338_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzYtMTItMS0xLTA_c187ae64-1ac0-44f1-86f2-6a2a14b162a9">391,449</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if0cc714c356042e7bab777a8ae513338_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzYtMTQtMS0xLTA_052002ed-298b-401a-aca4-f586b38ad9db">2,351,055</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="if0cc714c356042e7bab777a8ae513338_I20201231" decimals="2" name="slm:PercentOfPrivateLoans" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzYtMTYtMS0xLTA_d6740313-012f-40b3-b203-750db2a48d1b">12</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i22ca43835fd54664b0ba301d92e2d2ac_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzctMi0xLTEtMA_e7bdcb73-5ee1-490d-a4fc-00177fe0135d">3,442,765</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i22ca43835fd54664b0ba301d92e2d2ac_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzctNC0xLTEtMA_5e9f5dcb-4fca-4a18-a71a-e55fc7072911">4,026,848</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i22ca43835fd54664b0ba301d92e2d2ac_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzctNi0xLTEtMA_368aa7b6-9740-47a7-a46a-dc388d5ab9fd">2,940,511</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i22ca43835fd54664b0ba301d92e2d2ac_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzctOC0xLTEtMA_2bfc0d88-bc8d-4709-9f75-e6c11510718b">2,539,794</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i22ca43835fd54664b0ba301d92e2d2ac_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzctMTAtMS0xLTA_961d9811-f5ec-4ea8-99de-e437a8549c63">2,189,222</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i22ca43835fd54664b0ba301d92e2d2ac_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzctMTItMS0xLTA_512551ad-f4e7-4b31-8f46-3820fce65bed">4,590,197</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i22ca43835fd54664b0ba301d92e2d2ac_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzctMTQtMS0xLTA_d3c1c2d0-2b1e-474e-9b23-87865aa51bb8">19,729,337</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i22ca43835fd54664b0ba301d92e2d2ac_I20201231" decimals="0" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzctMTYtMS0xLTA_0ac74847-51f1-491e-ba34-7d6bcb879867">100</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FICO at Origination</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Less than 670</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e97db36770e453da51c18e5cf9d96bb_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEwLTItMS0xLTA_f01130e5-1aaf-4e17-bdfd-2eb6b993845d">195,214</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e97db36770e453da51c18e5cf9d96bb_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEwLTQtMS0xLTA_90a2efee-89f1-4abe-94ce-cc3be6d72240">290,711</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e97db36770e453da51c18e5cf9d96bb_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEwLTYtMS0xLTA_e8c3e9f4-98e8-4c2f-b28c-afd757e4a91c">225,276</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e97db36770e453da51c18e5cf9d96bb_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEwLTgtMS0xLTA_74567f3d-8ed6-4f96-8999-2c8dd193f28e">197,948</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e97db36770e453da51c18e5cf9d96bb_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEwLTEwLTEtMS0w_4c716ade-8e69-4660-b924-1fe39bcc636e">162,413</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 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1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e97db36770e453da51c18e5cf9d96bb_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEwLTE0LTEtMS0w_dc8349d8-3627-4788-a6e4-31f62a889a35">1,441,171</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">670-699</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic56559c3bf24474bbe042235da6ce600_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i242425a0d02c4992b9913fa627480a7c_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEyLTEwLTEtMS0w_11938fc3-7ea0-40d4-bd54-85d0a054c8a3">740,028</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i242425a0d02c4992b9913fa627480a7c_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEyLTEyLTEtMS0w_0b488f3e-5570-4b56-b663-52ec8de73e8f">1,533,517</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i242425a0d02c4992b9913fa627480a7c_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEyLTE0LTEtMS0w_029b2c46-5b74-4624-b484-913ba492ef76">6,510,093</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i242425a0d02c4992b9913fa627480a7c_I20201231" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEyLTE2LTEtMS0w_43080468-ae5f-479d-bf44-ef96304ada35">33</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Greater than or equal to 750</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5bcd91dae02443a683fef90bca53c841_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEzLTItMS0xLTA_5a5e1c82-8656-4174-88a8-33d466012d95">1,671,393</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5bcd91dae02443a683fef90bca53c841_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEzLTQtMS0xLTA_18e159f6-aefb-42e1-aa6b-44d308133a5a">1,830,797</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5bcd91dae02443a683fef90bca53c841_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEzLTYtMS0xLTA_b7dca148-ca77-4529-962b-ac833116b3c1">1,306,076</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5bcd91dae02443a683fef90bca53c841_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEzLTgtMS0xLTA_463df811-b19a-4446-85e2-825ea6017e49">1,087,469</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5bcd91dae02443a683fef90bca53c841_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEzLTEwLTEtMS0w_12a81025-4419-46f7-a11d-563c92c06a78">935,478</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5bcd91dae02443a683fef90bca53c841_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEzLTEyLTEtMS0w_09c2d557-eda3-4e23-bf4f-11924906cafe">1,915,594</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5bcd91dae02443a683fef90bca53c841_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEzLTE0LTEtMS0w_fa89f10e-dd85-40dc-a8f6-a21e2715259a">8,746,807</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i5bcd91dae02443a683fef90bca53c841_I20201231" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzEzLTE2LTEtMS0w_6e861f51-7dcd-457d-88f6-b9ec531efc30">44</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0d388b9daddd4061b92f67228625c429_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzE0LTItMS0xLTA_56aeb46e-4126-4283-aed4-bb9b05b41cda">3,442,765</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0d388b9daddd4061b92f67228625c429_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzE0LTQtMS0xLTA_3ac2c044-7f6b-41af-b065-316a3f9c4f81">4,026,848</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0d388b9daddd4061b92f67228625c429_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzE0LTYtMS0xLTA_544d3166-29fb-475c-8b6a-7ce99a9df803">2,940,511</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0d388b9daddd4061b92f67228625c429_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzE0LTgtMS0xLTA_2dbddd97-e3a0-460b-b011-b8803b54559e">2,539,794</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0d388b9daddd4061b92f67228625c429_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzE0LTEwLTEtMS0w_d93a5927-3ff7-4194-af2f-46654b820324">2,189,222</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0d388b9daddd4061b92f67228625c429_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzE0LTEyLTEtMS0w_29e803d8-312f-4843-9d94-70dcde23f56c">4,590,197</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0d388b9daddd4061b92f67228625c429_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzE0LTE0LTEtMS0w_0cf41a11-8cf7-44e6-9a6e-96668f044510">19,729,337</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i0d388b9daddd4061b92f67228625c429_I20201231" decimals="0" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzE0LTE2LTEtMS0w_4f7d283d-8102-49cf-8f0f-c8414bb45da7">100</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FICO Refreshed</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Less than 670</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i08b8f212986a49f7a29f64a7713e845b_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzE4LTItMS0xLTA_a75a519c-fb5a-49ad-9a70-4f8e9fd03edc">240,154</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i08b8f212986a49f7a29f64a7713e845b_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzE4LTQtMS0xLTA_b06d72fa-dbc1-4fa8-85b5-f6f6b2bae3e7">331,229</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i08b8f212986a49f7a29f64a7713e845b_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzE4LTYtMS0xLTA_d27f6e3f-8468-425c-b7c6-da1f88af672d">301,784</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i08b8f212986a49f7a29f64a7713e845b_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzE5LTYtMS0xLTA_9497a3ff-0d72-4e22-b45c-1c1296fbc72e">336,966</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea3dfa5d934749a08fed3f76f2cad6c4_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzE5LTEyLTEtMS0w_8c19119a-a977-4d69-8ac7-cbba159efcd6">504,779</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea3dfa5d934749a08fed3f76f2cad6c4_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iface25bfa44c40f78ed6dbfbe623c6d3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIwLTQtMS0xLTA_727eab88-a68c-4eda-a7d7-7d531c4c1e27">1,248,806</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iface25bfa44c40f78ed6dbfbe623c6d3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIwLTYtMS0xLTA_9ac34413-a4be-4bc8-a515-7830d1fb5edc">871,677</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iface25bfa44c40f78ed6dbfbe623c6d3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIwLTgtMS0xLTA_fd47b39b-4d35-4c0f-a3ef-d1ca33b4d3ec">734,222</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iface25bfa44c40f78ed6dbfbe623c6d3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIwLTEwLTEtMS0w_39e77511-4068-4c1e-bc5b-2ed49df6dc4a">603,160</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iface25bfa44c40f78ed6dbfbe623c6d3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIwLTEyLTEtMS0w_7ee229bf-b51a-4920-8a64-98d39c525dae">1,220,468</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iface25bfa44c40f78ed6dbfbe623c6d3_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIwLTE0LTEtMS0w_12e73bf7-d09f-4d2b-b7e5-8e5a95ed84af">5,780,999</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iface25bfa44c40f78ed6dbfbe623c6d3_I20201231" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIwLTE2LTEtMS0w_85701340-5b80-441a-b1f1-a677c7b668d6">29</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Greater than or equal to 750</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i72ee22e813924b8a87c3138859cf0a7c_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIxLTItMS0xLTA_1864d8cf-5c44-4e36-8e6b-a8bfa00f94ee">1,661,280</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i72ee22e813924b8a87c3138859cf0a7c_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIxLTQtMS0xLTA_b96a6705-3521-48dc-aabe-13508d8a3e80">1,953,678</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i72ee22e813924b8a87c3138859cf0a7c_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIxLTYtMS0xLTA_81fd2498-e638-454f-9840-9f8266d8d141">1,430,084</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i72ee22e813924b8a87c3138859cf0a7c_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIxLTgtMS0xLTA_3dde2494-43db-48d6-a033-a996ebedea73">1,223,471</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i72ee22e813924b8a87c3138859cf0a7c_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIxLTEwLTEtMS0w_2634da4c-c53a-429c-b2dd-ba664286a4d7">1,061,226</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i72ee22e813924b8a87c3138859cf0a7c_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIxLTEyLTEtMS0w_cb783482-ab39-4e1e-848c-d00e8175cb98">2,130,351</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i72ee22e813924b8a87c3138859cf0a7c_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIxLTE0LTEtMS0w_1e0510b2-bc6c-49a8-a303-ebb986a2d520">9,460,090</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i72ee22e813924b8a87c3138859cf0a7c_I20201231" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIxLTE2LTEtMS0w_652d79dd-de4f-48cf-81f5-2335eee7dc34">48</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib3af2d671adf4b5abb24c2a86f8b13d2_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIyLTItMS0xLTA_34357f2d-be74-41f1-a55d-fb700d06312e">3,442,765</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib3af2d671adf4b5abb24c2a86f8b13d2_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIyLTQtMS0xLTA_a3168db6-0a43-439d-9319-4bb382bd2600">4,026,848</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib3af2d671adf4b5abb24c2a86f8b13d2_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIyLTYtMS0xLTA_0c462f1c-2c40-406a-9e71-9d0fc6352f9d">2,940,511</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib3af2d671adf4b5abb24c2a86f8b13d2_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIyLTgtMS0xLTA_29d69098-528a-470e-8703-b4a8c24e40bc">2,539,794</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib3af2d671adf4b5abb24c2a86f8b13d2_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIyLTEwLTEtMS0w_4e93da61-facd-4cfa-b99e-0bd7419a6681">2,189,222</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib3af2d671adf4b5abb24c2a86f8b13d2_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIyLTEyLTEtMS0w_129d8b94-f7ba-4966-9b35-f04f90ec4305">4,590,197</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib3af2d671adf4b5abb24c2a86f8b13d2_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIyLTE0LTEtMS0w_6bdd181b-caa0-411e-a17b-35a7e4c5d465">19,729,337</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ib3af2d671adf4b5abb24c2a86f8b13d2_I20201231" decimals="0" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzIyLTE2LTEtMS0w_cb26987a-9f5c-43a5-b902-94a967dd3819">100</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:11pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Seasoning</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1-12 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ieb8829f3132249319dde034c2901b28f_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI1LTItMS0xLTA_87fb1276-467f-4e87-96f8-fa60f4a93f68">2,068,517</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 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1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ieb8829f3132249319dde034c2901b28f_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI1LTYtMS0xLTA_0993d582-b286-45a2-ab53-d861aa67cd3a">469,143</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 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1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ieb8829f3132249319dde034c2901b28f_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI1LTE0LTEtMS0w_3bf86cc5-cfd1-4d86-ad23-0bb80d145a12">4,498,496</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i2b0eb33a58d94da0b0f78e6748d88629_I20201231" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI1LTE2LTEtMS0w_95495916-e42a-4392-868e-592459039fbf">23</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13-24 payments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8f3a82eb326941608144a3ad376c3627_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI2LTQtMS0xLTA_bb15611f-6bf4-4121-a596-8d0c88a7feb5">2,096,635</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8f3a82eb326941608144a3ad376c3627_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI2LTYtMS0xLTA_f00d3b2e-5bd2-46c1-b307-8a42e68ba48d">383,977</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8f3a82eb326941608144a3ad376c3627_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI2LTgtMS0xLTA_7cb568ba-79b5-4b23-9b2f-12a77098ed27">223,332</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8f3a82eb326941608144a3ad376c3627_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7d29576c44bf29129c8d237f023d7_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI4LTgtMS0xLTA_8183db3f-c9e4-4473-9c6c-370ff7e69d14">965,476</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7d29576c44bf29129c8d237f023d7_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI4LTEwLTEtMS0w_37e9105b-8956-40d9-add4-11c011064f53">351,433</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7d29576c44bf29129c8d237f023d7_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI4LTEyLTEtMS0w_c4a8ab4d-8858-443c-80ae-71ab7b682dde">402,552</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7d29576c44bf29129c8d237f023d7_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI4LTE0LTEtMS0w_a4efaf80-172f-47ea-9bfc-7183311171bf">1,719,461</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i2b0eb33a58d94da0b0f78e6748d88629_I20201231" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI4LTE2LTEtMS0w_25084a84-8d7e-466f-8d2c-69f0da56eaeb">9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">More than 48 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iad1461daaabc413ea12d6fa01fc129ec_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI5LTItMS0xLTA_0a3cf572-98b8-4e24-ace7-9f0ad39ebbf4">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iad1461daaabc413ea12d6fa01fc129ec_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI5LTQtMS0xLTA_258dd804-802a-4bc3-b82d-11f7b1a976b4">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iad1461daaabc413ea12d6fa01fc129ec_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI5LTYtMS0xLTA_c289c7ca-1727-42ba-85f7-bcd7cbec498c">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iad1461daaabc413ea12d6fa01fc129ec_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI5LTgtMS0xLTA_04f4eb50-1979-4782-9ac1-05e2ba1c947e">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iad1461daaabc413ea12d6fa01fc129ec_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI5LTEwLTEtMS0w_1f8f3bc8-f244-4ca7-9062-70782f4f5c48">729,510</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iad1461daaabc413ea12d6fa01fc129ec_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI5LTEyLTEtMS0w_273a6dd8-48ed-466d-a1bc-f10131778ca2">2,310,905</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iad1461daaabc413ea12d6fa01fc129ec_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI5LTE0LTEtMS0w_ffe6f74f-dd69-444a-af24-068e8e1cfab7">3,040,415</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i2b0eb33a58d94da0b0f78e6748d88629_I20201231" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzI5LTE2LTEtMS0w_e5ec486f-e04e-451e-bbbe-433abc27b6e1">15</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Not yet in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8ad194acb4e242fbb6b54c6bf1f537c3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMwLTItMS0xLTA_aeacfc04-64e7-4cd9-b7e9-acddc627da37">1,374,085</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8ad194acb4e242fbb6b54c6bf1f537c3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMwLTQtMS0xLTA_8bec897e-fe86-464b-a772-d324ea797695">1,330,175</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8ad194acb4e242fbb6b54c6bf1f537c3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMwLTYtMS0xLTA_56384859-a149-4b66-b46c-6f3525d0e131">733,824</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8ad194acb4e242fbb6b54c6bf1f537c3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMwLTgtMS0xLTA_2f81ad90-7954-40d9-97f7-b8d39c82d359">508,478</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8ad194acb4e242fbb6b54c6bf1f537c3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMwLTEwLTEtMS0w_e7988b15-8ba8-4efc-aa37-6a815a954bfb">327,763</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8ad194acb4e242fbb6b54c6bf1f537c3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMwLTEyLTEtMS0w_23b4eff7-98fe-441d-a649-bd9bd3de416a">504,715</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8ad194acb4e242fbb6b54c6bf1f537c3_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMwLTE0LTEtMS0w_4f4a7b9b-ab7f-42bd-b94d-266b3cdd6b87">4,779,040</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i2b0eb33a58d94da0b0f78e6748d88629_I20201231" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMwLTE2LTEtMS0w_220042d8-c832-426c-8ce4-542f33ca9129">24</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2b0eb33a58d94da0b0f78e6748d88629_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMxLTItMS0xLTA_602a7429-2956-4dda-9fe8-109d4c2c5107">3,442,765</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2b0eb33a58d94da0b0f78e6748d88629_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMxLTQtMS0xLTA_429ef8ad-e281-4033-989b-a9ee8625cced">4,026,848</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2b0eb33a58d94da0b0f78e6748d88629_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMxLTYtMS0xLTA_2a0963b7-aa31-4ee8-afe0-e45d69546a1b">2,940,511</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2b0eb33a58d94da0b0f78e6748d88629_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMxLTgtMS0xLTA_6f51a776-11c8-4eb0-b7b1-b13b7a709e60">2,539,794</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2b0eb33a58d94da0b0f78e6748d88629_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMxLTEwLTEtMS0w_107e1498-3b23-42ee-8d53-62e74906e6c7">2,189,222</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2b0eb33a58d94da0b0f78e6748d88629_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMxLTEyLTEtMS0w_8153a382-b6a8-4074-90c6-59d70cb41787">4,590,197</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2b0eb33a58d94da0b0f78e6748d88629_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMxLTE0LTEtMS0w_b53c96c3-b6f6-4705-91bd-d63eb8bb9351">19,729,337</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i2b0eb33a58d94da0b0f78e6748d88629_I20201231" decimals="0" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMxLTE2LTEtMS0w_f213fd42-b72d-45bb-81f6-190b018d89f5">100</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2020 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">gross charge-offs</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMzLTItMS0xLTA_02845597-8bf9-4023-9503-32ed8a2746a5">1,087</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMzLTQtMS0xLTA_a652c696-eacb-430b-b10b-24fe205241ea">10,940</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMzLTYtMS0xLTA_49305011-06c9-497d-be38-3b80cfdf79cf">27,000</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMzLTgtMS0xLTA_78a3a3a8-4ea1-4180-9bd8-026c08321763">35,851</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMzLTEwLTEtMS0w_31a98f15-6f8d-4a02-b500-4b393c62031a">36,416</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMzLTEyLTEtMS0w_8a052a4d-23f0-4c4f-86c3-4bcdb4db51ce">94,032</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzMzLTE0LTEtMS0w_138e06cf-d00a-4788-a67b-c8d029039d4c">205,326</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2020 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> recoveries</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM0LTItMS0xLTA_4bedd983-15be-4214-8d16-0f0870ff61fb">42</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM0LTQtMS0xLTA_2ea0103f-057f-46fd-8c69-f29910a5d9ab">636</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM0LTYtMS0xLTA_6e809e87-3fe9-455a-859c-b03a80530cba">2,274</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM0LTgtMS0xLTA_0b323616-c098-4efb-8333-f240f1b569f8">3,585</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM0LTEwLTEtMS0w_33af8faf-3ff4-4d77-9c85-df4bfb1cc43b">4,284</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM0LTEyLTEtMS0w_a228dd10-2a7c-4cb8-a951-cc13fcb627eb">13,200</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM0LTE0LTEtMS0w_2a5aac2e-8b9c-477d-a62d-7ef348fe72b7">24,021</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2020 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> net charge-offs</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM1LTItMS0xLTA_4bc912ef-a582-49b5-9634-8d9f869e4e5c">1,045</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM1LTQtMS0xLTA_a45fd16e-3153-4eb0-90d5-02f8f89941ba">10,304</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM1LTYtMS0xLTA_3207f420-e9e6-4f04-ad22-c549b0dcc7ec">24,726</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM1LTgtMS0xLTA_c35a7d6f-aea0-44c3-8059-11de8ac1185a">32,266</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM1LTEwLTEtMS0w_ca325434-33cc-4443-9b17-acd248b2ea62">32,132</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM1LTEyLTEtMS0w_a7154d7d-ea08-4cc7-a14a-32ad94a0cde2">80,832</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i76b313b58e784fc6a8244c6d342f7168_D20200101-20201231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM1LTE0LTEtMS0w_945f9d14-8cde-4c9d-82fa-4b2cd91ce37b">181,305</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM3LTItMS0xLTA_8c3427e4-300a-439c-8f71-3697b186509f">90,438</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM3LTQtMS0xLTA_3e91b162-7163-46c2-8804-cc0aeefb0e31">265,688</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM3LTYtMS0xLTA_91d4c39b-34c7-4970-8cbc-f42962b876bc">252,251</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM3LTgtMS0xLTA_6b06d5cd-fcb4-4b79-a5d3-822dcf99b857">209,178</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM3LTEwLTEtMS0w_2237e0e9-5778-4a2e-adaf-f49f84170385">141,094</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM3LTEyLTEtMS0w_a9a4dd12-8b5c-4be1-88d7-d44368a79a6d">210,247</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo4YmU2MzZmMjI1YWY0MTVlYWEwMzczY2Q5ZmFmODllMi90YWJsZXJhbmdlOjhiZTYzNmYyMjVhZjQxNWVhYTAzNzNjZDlmYWY4OWUyXzM3LTE0LTEtMS0w_481cd034-6a2b-4ed0-ba70-3ecfe9eddbf0">1,168,896</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="51" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:3pt;padding-left:24.75pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Balance represents gross Private Education Loans held for investment.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Represents the higher credit score of the cosigner or the borrower.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Represents the FICO score updated as of the fourth-quarter 2020.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was due.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Current period refers to period from January 1, 2020 through December 31, 2020.</span></div></td></tr></table></ix:continuation></ix:continuation></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-47</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Allowance for Credit Losses (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="idc8de6b6d78742e6bf2dad2dbe2919e0" continuedAt="i37303dc95550400ca1618a4f7007a77a"><ix:continuation id="ie3a87058621f49e8bc7fd72338513292" continuedAt="iba2e27455ee54ba795359722917f968e"><div style="text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Delinquencies  - Private Education Loans Held for Investment</span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables provide information regarding the loan status of our Private Education Loans held for investment, by year of origination. Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period (but, for purposes of the following tables, do not include those loans while they are in forbearance). For the periods presented below, we updated our delinquency bucket periods from what we reported in our 2020 Form 10-K to conform with the delinquency bucket periods defined by the FFIEC.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.333%"><tr><td style="width:1.0%"></td><td style="width:25.685%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.395%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.423%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.423%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.423%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.679%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.275%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.977%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.990%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.580%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment - Delinquencies by Origination Vintage</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016 and Prior</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in-school/grace/deferment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icab7ac7b482c4c5ca553cbefb65cfaf9_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" 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style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icab7ac7b482c4c5ca553cbefb65cfaf9_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzQtNi0xLTEtMA_542f1cfa-9dd1-4520-a6b9-e02fd314306a">773,320</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icab7ac7b482c4c5ca553cbefb65cfaf9_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzQtOC0xLTEtMA_525f44b6-1ae3-4410-933d-3fcb4bcae6ad">435,657</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" 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style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icab7ac7b482c4c5ca553cbefb65cfaf9_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzQtMTItMS0xLTA_8a2f01cc-6b32-4d39-a276-e398df56334a">559,356</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icab7ac7b482c4c5ca553cbefb65cfaf9_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzQtMTQtMS0xLTA_d63b75da-4a64-421a-9f99-5a5487b3c00d">4,904,414</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib99149070284485d8b6045a7c536e962_I20211231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEwLTItMS0xLTA_5f57974a-8686-4f05-a5cd-442dc1914144">11,951</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib99149070284485d8b6045a7c536e962_I20211231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEwLTQtMS0xLTA_a001e26c-c820-4fb3-a022-69586befda7f">55,844</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib99149070284485d8b6045a7c536e962_I20211231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEwLTYtMS0xLTA_6831df2c-2629-4ce3-ad9d-01380bd4e1b4">52,364</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib99149070284485d8b6045a7c536e962_I20211231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEwLTgtMS0xLTA_117e1daa-e648-43ef-898c-ded7f68be57a">43,613</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib99149070284485d8b6045a7c536e962_I20211231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEwLTEwLTEtMS0w_23b73547-b887-46bc-9861-332249884aed">41,355</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib99149070284485d8b6045a7c536e962_I20211231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEwLTEyLTEtMS0w_28fe1f25-ad3f-428a-bcab-0d8482093f22">96,110</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib99149070284485d8b6045a7c536e962_I20211231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEwLTE0LTEtMS0w_31484110-576f-4725-84a8-69edb26767bd">301,237</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in repayment:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans current</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib348f26f88c446bfa7f82948f7468043_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEyLTItMS0xLTA_9ae87469-e496-4789-8e45-431d181ffe86">2,234,876</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib348f26f88c446bfa7f82948f7468043_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEyLTQtMS0xLTA_8ec53b08-eee8-4657-8bad-1d21078a1c61">2,786,646</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib348f26f88c446bfa7f82948f7468043_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEyLTYtMS0xLTA_77ee450f-5a46-4df1-9507-c7e746f3719e">2,321,728</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib348f26f88c446bfa7f82948f7468043_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEyLTgtMS0xLTA_135253ee-51c5-4921-9c92-a5cb277e346f">1,772,651</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib348f26f88c446bfa7f82948f7468043_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEyLTEwLTEtMS0w_2c99082f-f5a4-465d-9282-5d12736a4301">1,570,815</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib348f26f88c446bfa7f82948f7468043_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEyLTEyLTEtMS0w_54b46a78-68cd-4ed2-b1a8-d07e842520b6">4,319,057</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib348f26f88c446bfa7f82948f7468043_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEyLTE0LTEtMS0w_ef305b1f-1c71-43a6-8561-6fef72d6817c">15,005,773</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 30-59 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia891d1f22b5340f48e5c074bf15572ca_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEzLTItMS0xLTA_79ada91b-f5d2-418b-b355-d0b5e76d2e59">15,148</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia891d1f22b5340f48e5c074bf15572ca_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEzLTQtMS0xLTA_6fd91965-559f-45f0-9ae5-725536502c68">29,146</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia891d1f22b5340f48e5c074bf15572ca_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEzLTYtMS0xLTA_346c95d4-7147-4687-bc13-8b3737e44d76">46,616</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia891d1f22b5340f48e5c074bf15572ca_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEzLTgtMS0xLTA_92542adf-3204-44c0-ad63-281185c32f91">43,197</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia891d1f22b5340f48e5c074bf15572ca_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEzLTEwLTEtMS0w_6f5d966f-0dcc-42ed-8e64-29d07d55a79e">41,695</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia891d1f22b5340f48e5c074bf15572ca_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEzLTEyLTEtMS0w_4e25247e-706c-403c-8440-3d4ab3ed8c8d">132,757</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia891d1f22b5340f48e5c074bf15572ca_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzEzLTE0LTEtMS0w_e3d0e148-c5ad-4209-b169-2dbed1a828c5">308,559</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 60-89 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2082477824ab42efbcd57395f32a4adf_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE0LTItMS0xLTA_110b723c-cc4c-46a9-a684-36a7781bacbc">3,194</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2082477824ab42efbcd57395f32a4adf_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE0LTQtMS0xLTA_2abbf9b2-e1d4-4457-b533-c42f0a41ff4f">7,441</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2082477824ab42efbcd57395f32a4adf_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE0LTYtMS0xLTA_ad310635-1674-402e-a0af-594e5306884f">14,044</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2082477824ab42efbcd57395f32a4adf_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE0LTgtMS0xLTA_f76cc339-97b5-46f3-91cb-2211e6ae750d">14,310</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2082477824ab42efbcd57395f32a4adf_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE0LTEwLTEtMS0w_07e46e46-0fa3-4e37-9481-5d1b5d4df52a">16,425</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2082477824ab42efbcd57395f32a4adf_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE0LTEyLTEtMS0w_69856b69-f80d-429f-b1ef-ebd2d8af650b">61,533</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2082477824ab42efbcd57395f32a4adf_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE0LTE0LTEtMS0w_74b1960f-a303-4307-b9b2-931f4b89d91c">116,947</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans 90 days or greater past due</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9b196217ea794901b936cff397e04c61_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE1LTItMS0xLTA_726b924d-5a34-4905-94d2-6c9788f724ff">642</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9b196217ea794901b936cff397e04c61_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE1LTQtMS0xLTA_489e25da-56d0-41ed-b488-ea80f08b0f4e">3,683</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9b196217ea794901b936cff397e04c61_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE1LTYtMS0xLTA_e00c1971-c95c-40e0-8e98-37b1005afc21">8,453</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9b196217ea794901b936cff397e04c61_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE1LTgtMS0xLTA_8acfdd90-eec4-4a17-a349-02a099662c77">10,632</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9b196217ea794901b936cff397e04c61_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE1LTEwLTEtMS0w_e566b5a2-2572-4629-8912-b7ec403a79f8">11,935</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9b196217ea794901b936cff397e04c61_I20211231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE1LTEyLTEtMS0w_f87704e6-b408-4a60-9fad-88609d0f1585">44,588</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9b196217ea794901b936cff397e04c61_I20211231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE1LTE0LTEtMS0w_f93bcf69-8699-4088-a438-d1b7afc49d7e">79,933</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansInRepaymentOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE2LTItMS0xLTA_b0aaf329-f0bb-4932-996b-77b1d200dc02">2,253,860</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE2LTQtMS0xLTA_f87d8a7a-78fa-4c2c-9d07-2b63981b7738">2,826,916</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE2LTYtMS0xLTA_c5ed90ee-b84b-4f8f-90b9-983de7e5d83f">2,390,841</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE2LTgtMS0xLTA_5f160406-f962-4725-8fbb-6fafa7f69601">1,840,790</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE2LTEwLTEtMS0w_a6d8fd9d-0d11-407d-a13f-36be99b0837b">1,640,870</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE2LTEyLTEtMS0w_b66bc37e-c4c2-414c-99e7-cb0bb9beeabf">4,557,935</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansInRepaymentBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE2LTE0LTEtMS0w_4f13b218-edbd-4de2-ba88-133eb9643698">15,511,212</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansGrossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE3LTItMS0xLTA_27be69c3-05f0-4e97-b5b4-61c64dd0bea3">3,822,361</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE3LTQtMS0xLTA_d1a01eed-f049-4a2c-a9df-3d50256d6c13">4,166,283</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE3LTYtMS0xLTA_7254a72a-d6f9-4ff9-ad2d-af8471018970">3,216,525</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE3LTgtMS0xLTA_d0fcc316-7cbc-4460-9e3e-fea33df7035a">2,320,060</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE3LTEwLTEtMS0w_84bb531b-f45f-4ba8-a29c-830e158c5a63">1,978,233</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE3LTEyLTEtMS0w_f7e77a80-ef7a-4892-b6d5-86216f9a429b">5,213,401</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansGrossBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE3LTE0LTEtMS0w_37a4dd0e-5044-433c-9be0-bd76a5e58eac">20,716,863</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE4LTItMS0xLTA_3ef48b60-e18b-4f5b-adb8-779cb28c96dc">22,169</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE4LTQtMS0xLTA_a425b61a-eccf-4f19-bfd0-0fadd29305fc">16,067</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE4LTYtMS0xLTA_a0e89a64-4896-4a61-bb86-8ed594a27e83">9,575</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE4LTgtMS0xLTA_b012de06-6e48-4ad0-86a9-498589ac6116">5,918</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE4LTEwLTEtMS0w_394b7d3d-40b5-4082-8861-edf35ed542f6">4,588</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE4LTEyLTEtMS0w_1161e9ac-a359-410b-b1a0-dcec23007055">9,171</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE4LTE0LTEtMS0w_91d47474-574c-4b20-9a21-036aa522c428">67,488</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE5LTItMS0xLTA_389df299-b684-4910-acbc-db44af4a2334">3,844,530</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE5LTQtMS0xLTA_2a0ac0fd-72e8-46e5-b29c-edd981c554f2">4,182,350</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE5LTYtMS0xLTA_5a1094fa-bbc3-4f47-a864-97a941602a85">3,226,100</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE5LTgtMS0xLTA_c2a54f07-3908-4593-8d5b-2975394f2f9d">2,325,978</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE5LTEwLTEtMS0w_fbae363a-d772-4079-a293-08d5cba9dc4f">1,982,821</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE5LTEyLTEtMS0w_c49ba6e0-337a-4113-8589-3517678262db">5,222,572</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:LoansBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzE5LTE0LTEtMS0w_74ce6129-7758-4884-af57-37bfb740165d">20,784,351</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans allowance for losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIwLTItMS0xLTA_86323917-855c-4cd1-a185-e561961e4ae3">248,102</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIwLTQtMS0xLTA_81196554-758a-4d38-9050-19e06532b212">239,507</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIwLTYtMS0xLTA_1dbb7a95-b344-4723-a1cb-ed49e20ebb8f">195,223</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIwLTgtMS0xLTA_e1683b68-e967-45ed-9096-c09ea4fcdd96">129,678</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIwLTEwLTEtMS0w_153ea7e2-1a69-480d-99cc-0d289b0970d6">99,982</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIwLTEyLTEtMS0w_51d5ef27-931a-4583-ba64-115b71363fbf">246,485</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIwLTE0LTEtMS0w_3aa47b00-6a92-478b-8991-feb0bc2b4216">1,158,977</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIxLTItMS0xLTA_12a7581b-26cd-4e1c-b3f2-fdcad143f595">3,596,428</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIxLTQtMS0xLTA_4ce0e435-9e18-49fd-bf3e-64c05d919b18">3,942,843</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIxLTYtMS0xLTA_79c6fe6e-3594-4ff4-b57c-4b82e02caaa0">3,030,877</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIxLTgtMS0xLTA_9b8b3d10-6a7c-40fb-8674-582bb17bfe33">2,196,300</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIxLTEwLTEtMS0w_611ddd29-bf58-4537-aac4-4f091f413c14">1,882,839</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIxLTEyLTEtMS0w_4cee7cf6-d9c3-4b69-af2e-9947b2ca75d8">4,976,087</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i65f13e21846b4d7a8a0e70a906cf6fee_I20211231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIxLTE0LTEtMS0w_b0532c5f-cf93-405b-8e4d-a9cdb79c6a84">19,625,374</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:6pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTItMS0xLTA_9df48bf6-df95-472b-9f25-817ac78efeb3">59.0</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTQtMS0xLTA_2fb584ea-d48b-40d1-a4ae-ca33a5e60058">67.9</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTYtMS0xLTA_c8480eb4-b035-4fc8-9853-124204e726c6">74.3</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTgtMS0xLTA_f7569c32-319e-496d-a7e9-37fe8988e422">79.3</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTEwLTEtMS0w_498a857e-e08a-44c8-9cde-30596f00f9ea">82.9</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTEyLTEtMS0w_3658a420-c479-4611-9aef-14c26cc90ed1">87.4</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTE0LTEtMS0w_97384c02-fd64-4d19-bc3d-ccec3bd76aca">74.9</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTItMS0xLTA_d50764fa-397f-4b82-b91d-bfd957b36ccf">0.8</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTQtMS0xLTA_5431582d-f8a9-411d-8892-adbd347a8047">1.4</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTYtMS0xLTA_323ff66d-a09d-431a-9478-b37756d9638d">2.9</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTgtMS0xLTA_b49dcb81-f473-42c9-968c-e7ed600b1ec1">3.7</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTEwLTEtMS0w_f513348e-9e89-4d15-8f5d-484290a1e207">4.3</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTEyLTEtMS0w_c23d23db-9bf5-475a-a0d2-8857c5fc44a3">5.2</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTE0LTEtMS0w_f282d33f-c379-46ca-81f8-a394aa54b8b2">3.3</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of loans in repayment and forbearance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI2LTItMS0xLTA_ef93e146-4a7c-4851-b197-402815999d72">0.5</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI2LTQtMS0xLTA_abdb009a-391a-4949-b40b-d9ed5a3f98ed">1.9</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI2LTYtMS0xLTA_4558f239-9f85-400b-83c6-2b07d42082a0">2.1</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI2LTgtMS0xLTA_4b18d234-4cd7-400f-842f-6e9693fc0c0c">2.3</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI2LTEwLTEtMS0w_b2d96a43-c508-49e4-b0b3-e40bb9d78e5b">2.5</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI2LTEyLTEtMS0w_85b5472f-034a-48b5-bbce-bd8810470de1">2.1</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI2LTE0LTEtMS0w_fd201555-313e-4e31-a26a-b60c22b2ee40">1.9</ix:nonFraction> %</span></td></tr></table></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">The period of delinquency is based on the number of days scheduled payments are contractually past due.</span></div></ix:continuation></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-48  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Allowance for Credit Losses (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i37303dc95550400ca1618a4f7007a77a" continuedAt="i344755423b304bec84238fddf2617e4b"><ix:continuation id="iba2e27455ee54ba795359722917f968e" continuedAt="i5bcc33b3d955436d8272c42f9a4f37fb"><div style="text-align:center;text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.388%"><tr><td style="width:1.0%"></td><td style="width:24.836%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.808%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.121%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.952%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.121%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.952%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.121%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.952%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.121%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.952%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.121%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.952%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.121%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.952%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.718%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment -  Delinquencies by Origination Vintage</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2015 and Prior</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in-school/grace/deferment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)(2)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9517636388ea4dd796af0cf69b417f19_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzQtMi0xLTEtMA_970663c0-ab3e-4f9e-ba74-ad417de96712">1,374,085</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9517636388ea4dd796af0cf69b417f19_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzQtNC0xLTEtMA_ce3c91d9-6def-49e1-abd7-90fcbfe3cd70">1,330,175</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9517636388ea4dd796af0cf69b417f19_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzQtNi0xLTEtMA_52bfb1b3-551a-47b9-a3d3-23ded8e6d391">733,824</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9517636388ea4dd796af0cf69b417f19_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzQtOC0xLTEtMA_08dedf05-5df8-4f6a-b1ce-4b23d3d1ee65">508,478</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9517636388ea4dd796af0cf69b417f19_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzQtMTAtMS0xLTA_bb58e449-3043-4960-abc6-5baf72e02919">327,763</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9517636388ea4dd796af0cf69b417f19_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzQtMTItMS0xLTA_6b4f5c43-7d05-4428-8866-3bec99a68f06">504,715</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9517636388ea4dd796af0cf69b417f19_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzQtMTQtMS0xLTA_e8668b49-7157-4c62-84d6-221f76a6304c">4,779,040</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibf7f6e0b9c894d45a3284a518b99cf86_I20201231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEwLTItMS0xLTA_65db0a7e-1989-443c-9c29-24aee44a78c0">16,159</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibf7f6e0b9c894d45a3284a518b99cf86_I20201231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEwLTQtMS0xLTA_71b54016-2081-44b1-beda-9b7c00af0d61">92,677</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibf7f6e0b9c894d45a3284a518b99cf86_I20201231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEwLTYtMS0xLTA_d35cfc20-839f-4276-b493-e0e5d91fda26">110,319</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibf7f6e0b9c894d45a3284a518b99cf86_I20201231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEwLTEyLTEtMS0w_d6f5924b-092b-46ff-9589-08a61e261383">198,302</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibf7f6e0b9c894d45a3284a518b99cf86_I20201231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEwLTE0LTEtMS0w_79b00570-b0f6-4eb2-a9aa-6d191a3a4f78">645,476</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans current</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia441dd28cb6b419c8ca29548b5ec2ca6_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEyLTItMS0xLTA_c5ce3c86-e47e-411d-8eb4-4d4cf45d4b13">2,043,033</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia441dd28cb6b419c8ca29548b5ec2ca6_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEyLTQtMS0xLTA_3ea60c04-8abe-477c-a8a7-3ea3e697e2f7">2,573,228</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia441dd28cb6b419c8ca29548b5ec2ca6_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEyLTYtMS0xLTA_b0b2002e-5970-4c27-a8ea-901c0c806c57">2,045,012</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia441dd28cb6b419c8ca29548b5ec2ca6_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEyLTgtMS0xLTA_d19d6fae-09fd-41f8-aaf2-ff2a11e5e77d">1,850,539</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia441dd28cb6b419c8ca29548b5ec2ca6_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEyLTEwLTEtMS0w_02de73e4-7a68-423d-8996-5726fc84a043">1,685,572</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia441dd28cb6b419c8ca29548b5ec2ca6_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEyLTEyLTEtMS0w_b98e7abf-2924-4fbd-aac0-24ec6ea2b2f3">3,701,564</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEzLTItMS0xLTA_05908c4e-291d-4be7-bc75-f9c5c3b082b2">6,400</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4252f0c418da45a9bb84ebb5c5fd25ac_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEzLTQtMS0xLTA_42b88859-9e0c-40ba-aca1-1a417b6abdc2">16,983</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4252f0c418da45a9bb84ebb5c5fd25ac_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEzLTYtMS0xLTA_fb2e0f10-3981-4246-ac39-7125e1488fb2">26,934</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4252f0c418da45a9bb84ebb5c5fd25ac_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEzLTgtMS0xLTA_8ff38ed2-e086-41d5-8453-016ecb2f1338">30,771</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4252f0c418da45a9bb84ebb5c5fd25ac_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEzLTEwLTEtMS0w_74324d7d-e1d4-4b2e-93d3-620c9202346e">33,040</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4252f0c418da45a9bb84ebb5c5fd25ac_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEzLTEyLTEtMS0w_df3efd0b-d769-426e-9a48-38ac6ba8557d">91,400</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4252f0c418da45a9bb84ebb5c5fd25ac_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzEzLTE0LTEtMS0w_7767da88-c228-4d16-80da-3e19fb0b2b8b">205,528</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 60-89 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0a442e3643aa428db13961d312014e0d_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE0LTItMS0xLTA_0ce9ac2b-5cf9-450b-b1e0-1edf6e757081">2,628</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0a442e3643aa428db13961d312014e0d_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE0LTQtMS0xLTA_94e323aa-8ae6-4520-bac3-9620ca6f3967">9,143</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0a442e3643aa428db13961d312014e0d_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE0LTYtMS0xLTA_e6d35e74-73ca-418d-8cc7-967e2cee1116">15,026</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0a442e3643aa428db13961d312014e0d_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE0LTgtMS0xLTA_7a7fbfe8-fdce-41d5-92d1-6e20a8ce0c58">18,121</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0a442e3643aa428db13961d312014e0d_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE0LTEwLTEtMS0w_8f193a2b-cf93-4ad1-b0d4-80cf2ce67096">19,064</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0a442e3643aa428db13961d312014e0d_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE0LTEyLTEtMS0w_c18ba923-ed38-4102-81d5-bbb2912cd995">55,661</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0a442e3643aa428db13961d312014e0d_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE0LTE0LTEtMS0w_eaf91211-7d83-4193-920f-63cb3d26effe">119,643</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans 90 days or greater past due</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iacad8f7974e14b0691927205f611a9c3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE1LTItMS0xLTA_61c0fff0-ec05-4145-b8d4-eecc38c47ca4">460</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iacad8f7974e14b0691927205f611a9c3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE1LTQtMS0xLTA_017f24c9-6e6d-4728-b953-a17fff6fc02e">4,642</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iacad8f7974e14b0691927205f611a9c3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE1LTYtMS0xLTA_7f2ca3cf-0ba1-4a19-8c58-66a232080b5e">9,396</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iacad8f7974e14b0691927205f611a9c3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE1LTgtMS0xLTA_65f62357-615b-483d-9804-57d6ce9fe165">12,939</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iacad8f7974e14b0691927205f611a9c3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE1LTEwLTEtMS0w_333d0c1d-d736-4130-849c-466e046bdc7b">14,710</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iacad8f7974e14b0691927205f611a9c3_I20201231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE1LTEyLTEtMS0w_b8dbf524-6391-4712-a662-326b6fcc0400">38,555</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iacad8f7974e14b0691927205f611a9c3_I20201231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE1LTE0LTEtMS0w_cfaea817-1392-41df-9ba5-51faf9a58fd8">80,702</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansInRepaymentOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE2LTItMS0xLTA_6be76deb-d6d1-4358-80cc-991e5113c50b">2,052,521</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE2LTQtMS0xLTA_84583b03-3173-4527-9be8-3b74431fef16">2,603,996</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE2LTYtMS0xLTA_93119980-e206-45a9-8ad5-37efb49409e7">2,096,368</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE2LTgtMS0xLTA_37ff2a84-1db0-4396-82a8-c25258235fb9">1,912,370</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE2LTEwLTEtMS0w_2bc08d1b-d97a-4215-a9ae-6d6970798b9b">1,752,386</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE2LTEyLTEtMS0w_e720c02d-a7c4-4e29-9b6c-de6d9af8a62f">3,887,180</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansInRepaymentBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE2LTE0LTEtMS0w_5a669fee-3399-46c3-bdce-a356c671a351">14,304,821</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansGrossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE3LTItMS0xLTA_e26be9ea-56d4-422c-b8d3-77fe1f2ac3b9">3,442,765</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE3LTQtMS0xLTA_2e5eaecc-3ed3-47d0-9133-c9ffc33e933e">4,026,848</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE3LTYtMS0xLTA_eb55f9e4-18b8-4ad2-afc9-bd66aab98fd3">2,940,511</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE3LTgtMS0xLTA_97ecf1a0-ee1c-47cb-86ae-0644f99a90dc">2,539,794</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE3LTEwLTEtMS0w_d706e24f-e39c-47c1-9a68-78cbcc7658b0">2,189,222</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE3LTEyLTEtMS0w_1b90ecd9-edbf-473d-badd-762a2cd70549">4,590,197</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansGrossBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE3LTE0LTEtMS0w_4c278a18-f6ef-4028-ae9a-2ede7c6e5a09">19,729,337</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE4LTItMS0xLTA_e0637cdf-27ae-4f7b-90fc-aba5b79b659f">21,129</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE4LTQtMS0xLTA_a34c7aec-89f4-41e8-99c0-7e9ae1db9551">13,933</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE4LTYtMS0xLTA_7fe6f352-09d0-474a-aa3f-9e2bbd55a2d9">8,671</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE4LTgtMS0xLTA_abf63de3-9863-437f-bbd5-6800f2e11b28">6,708</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE4LTEwLTEtMS0w_a0d46bb5-9f64-41a3-bc5a-3df6ed48bd7f">5,721</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE4LTEyLTEtMS0w_ad570e1e-ebbc-47d7-a60e-7441996c2448">7,313</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE4LTE0LTEtMS0w_231ca761-1293-47d7-9410-d8d0e311dbe7">63,475</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE5LTItMS0xLTA_923bd2c8-8aac-471d-94ea-69f262fdc757">3,463,894</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE5LTQtMS0xLTA_401ab52d-419b-4625-8b4c-81216d8ba46b">4,040,781</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE5LTYtMS0xLTA_acf4f2c3-c3d0-4154-9a27-c99ce1c13ffc">2,949,182</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE5LTgtMS0xLTA_e92fa1ff-f724-4268-8056-da906496ed9c">2,546,502</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE5LTEwLTEtMS0w_240ded8e-06f8-4ac1-864f-3a4e70aaeb59">2,194,943</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE5LTEyLTEtMS0w_77d67b79-ad48-420b-a1ac-88af570f1ca5">4,597,510</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:LoansBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzE5LTE0LTEtMS0w_3b2581a0-d4c1-4987-aa82-6e3d7e945279">19,792,812</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans allowance for losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIwLTItMS0xLTA_01e69edd-2532-4016-978c-c301cff094cf">210,875</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIwLTQtMS0xLTA_338ff6f1-d068-4ae2-81b4-a4b45f379085">298,776</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIwLTYtMS0xLTA_6a2583a2-8665-4ebd-a6cc-b05369220c91">218,136</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIwLTgtMS0xLTA_76b159f1-b59f-4a33-9aa6-cc063751f88b">184,265</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIwLTEwLTEtMS0w_7ce14d46-f243-4080-9e56-5a1947ca80e7">150,150</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIwLTEyLTEtMS0w_60d1fb1e-1760-4252-b940-f0b2dce10417">293,642</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction 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style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIxLTQtMS0xLTA_4191ca4c-105b-49e6-b936-6004f5398f75">3,742,005</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIxLTYtMS0xLTA_fe9d90b8-e3b8-47dc-8243-c229043da970">2,731,046</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIxLTgtMS0xLTA_b3a85232-9bfe-4c3b-a8e7-dd6c186f2a94">2,362,237</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIxLTEwLTEtMS0w_37dba029-1e64-4f07-9054-314fe1fb8ad5">2,044,793</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIxLTEyLTEtMS0w_8587408a-bdc3-4403-b3d2-6938869dddaa">4,303,868</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i760eff58da484487aae1897b742542ff_I20201231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIxLTE0LTEtMS0w_8d36b782-0404-4df3-8e69-9f59cf31ff04">18,436,968</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIzLTItMS0xLTA_2fecf103-78c4-4d14-8c75-8a4f2eb56eb9">59.6</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIzLTQtMS0xLTA_7e0f3794-5089-48fb-9c32-4c05fa275d9a">64.7</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIzLTgtMS0xLTA_fe5ae47b-0347-4ba3-836a-aefea8a26f9c">75.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIzLTEwLTEtMS0w_cea277f8-9f59-4386-97f9-3d148989a152">80.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIzLTEyLTEtMS0w_4154dde5-1958-42ef-ade6-352065b9f9fd">84.7</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIzLTE0LTEtMS0w_66a9cf8d-34f5-489a-9075-f348c18570ee">72.5</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTItMS0xLTA_a27aab90-2dc2-4032-acd5-2770e2ff5fe7">0.5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTQtMS0xLTA_59871ccb-ef84-48c8-ae98-173afdcd72ea">1.2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTYtMS0xLTA_dddba421-9eaf-46c9-83dc-ab85f6798fee">2.4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTgtMS0xLTA_93b4c5c7-aa9c-4d1c-963f-7bb5cebb8bf8">3.2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTEwLTEtMS0w_e4573ced-5534-4435-babd-127d93574b81">3.8</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTEyLTEtMS0w_92ccdfdf-88c7-4e1b-9e4d-338b2585e231">4.8</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTE0LTEtMS0w_40709d6c-af6b-493b-a0df-1d81a8429d35">2.8</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of loans in repayment and forbearance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTItMS0xLTA_94bda520-f936-4bfa-add5-3489fcb5428e">0.8</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTQtMS0xLTA_d2f4974f-e2d6-4a99-a747-a3b04a734337">3.4</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTYtMS0xLTA_25173f1c-6f46-4dc1-9c0a-4d98ef6ceb7e">5.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTgtMS0xLTA_0685d148-f6b5-4488-977c-27933380892f">5.9</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTEwLTEtMS0w_2e2dc651-4270-47d8-a6fc-9e90194d76a9">5.9</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTEyLTEtMS0w_1d2431b6-019a-4bce-970a-0ca6135bf9b0">4.9</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTE0LTEtMS0w_aecf324c-e964-4064-a5fb-5f655ea20b26">4.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">For some students, going back to school in the fall of 2020 was not an option because of the pandemic, or for other reasons. Therefore, some students  took a &#8220;gap year&#8221; before returning to school. In 2020, for those students that had unexpectedly separated from school, we provided an extension of time through fall 2021 to re-enroll, before beginning their grace period that occurs prior to entering full principal and interest repayment status. At December 31, 2020, the loans in the &#8220;in-school/grace/deferment&#8221; category above include $<ix:nonFraction unitRef="usd" contextRef="i5bc3437fb8554f7a972b0bd2cb74590d_I20201231" decimals="-5" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE2NDkyNjc0ODEwODg_40972393-94c9-41fd-ad13-8d18fde8e0c3">401</ix:nonFraction>&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. At December 31, 2020, the loans in the &#8220;in forbearance&#8221; category above include $<ix:nonFraction unitRef="usd" contextRef="iccb202d823bc47f2b981a4def38d6e34_I20201231" decimals="-5" name="slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE2NDkyNjc0ODExMDI_03c56ced-56bd-4066-97ec-90b85f0f4fc0">30</ix:nonFraction>&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. At December 31, 2020, the loans in the &#8220;in repayment&#8221; category above include $<ix:nonFraction unitRef="usd" contextRef="i4478d1eb0d0243e9b969117d89b238f1_I20211231" decimals="-5" name="slm:LoansInRepaymentOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE2NDkyNjc0ODExMTU_991bfa08-8c8b-46b7-854e-2805d4f7cb30">609</ix:nonFraction>&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. This program ended in September 2021.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">The period of delinquency is based on the number of days scheduled payments are contractually past due.</span></div></ix:continuation></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-49</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Allowance for Credit Losses (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="text-align:center;text-indent:22.5pt"><span><br/></span></div><ix:continuation id="i344755423b304bec84238fddf2617e4b" continuedAt="ic94d353a35c442cc8911c3393680689f"><ix:continuation id="i5bcc33b3d955436d8272c42f9a4f37fb"><div style="text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.000%"><tr><td style="width:1.0%"></td><td style="width:25.215%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.823%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.256%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.969%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.256%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.969%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.256%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.969%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.256%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.969%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.256%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.969%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.256%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.969%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.412%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment - Delinquencies by Origination Vintage</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2019 <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2015</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2014 and Prior</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in-school/grace/deferment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id16e020bbcb64af48a043770a4ea6cc5_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzQtMi0xLTEtMA_3376619c-e080-43d4-ae4e-fa50992e3d01">1,670,644</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id16e020bbcb64af48a043770a4ea6cc5_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzQtNC0xLTEtMA_78170e91-2086-485c-9800-0ceb72e9e527">1,580,513</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id16e020bbcb64af48a043770a4ea6cc5_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzQtNi0xLTEtMA_326b9ee0-0a73-49a3-b498-9dc89caca61e">1,010,764</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id16e020bbcb64af48a043770a4ea6cc5_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzQtOC0xLTEtMA_fc289fd0-f04c-4d1c-9e4f-9f08e9e4ec6b">635,798</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id16e020bbcb64af48a043770a4ea6cc5_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzQtMTAtMS0xLTA_386208c0-8b26-4242-a47f-bd2bfd9c1cc3">375,585</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id16e020bbcb64af48a043770a4ea6cc5_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzQtMTItMS0xLTA_cdd30441-85d0-41d6-a736-ca578747a1c9">414,101</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id16e020bbcb64af48a043770a4ea6cc5_I20191231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzQtMTQtMS0xLTA_03b5c706-9c6a-4051-8624-fc387b8a0117">5,687,405</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ied08822e9c1f403e875ac79058f0bb09_I20191231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEwLTItMS0xLTA_055042ce-8241-49f7-b12f-fa3aac9a70b7">21,009</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ied08822e9c1f403e875ac79058f0bb09_I20191231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEwLTQtMS0xLTA_dc6460c9-d9df-4fde-a30c-0799f7fbb122">108,509</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ied08822e9c1f403e875ac79058f0bb09_I20191231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEwLTYtMS0xLTA_5768f297-81d0-40dd-92b1-0028730a29ba">142,341</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ied08822e9c1f403e875ac79058f0bb09_I20191231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEwLTgtMS0xLTA_1afb00b6-ae52-4bcd-b999-bb5a7b24d6ea">146,114</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ied08822e9c1f403e875ac79058f0bb09_I20191231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEwLTEwLTEtMS0w_07265cfb-b937-43ec-b0c1-a96e99427d6d">127,799</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ied08822e9c1f403e875ac79058f0bb09_I20191231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEwLTEyLTEtMS0w_90ae3b92-97d7-43f3-b4c4-f458a7fd27f1">168,744</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ied08822e9c1f403e875ac79058f0bb09_I20191231" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEwLTE0LTEtMS0w_373cc9fb-dae4-464f-bc65-cd5a93841e60">714,516</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in repayment:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans current</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0c5b4c41c9e941be90dea58611899513_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEyLTItMS0xLTA_c8727732-53ee-4d42-aed8-24a6ab1e6f76">2,340,221</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0c5b4c41c9e941be90dea58611899513_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEyLTQtMS0xLTA_5e1178a1-cda4-4c46-92a3-79c3603ac22e">3,159,878</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0c5b4c41c9e941be90dea58611899513_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEyLTYtMS0xLTA_ac1d57b6-d20d-4e1f-bd55-c9dc4930cc98">2,781,132</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0c5b4c41c9e941be90dea58611899513_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEyLTgtMS0xLTA_56d2156f-5c73-49e7-a5f8-6243e680c7c4">2,566,815</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0c5b4c41c9e941be90dea58611899513_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEyLTEwLTEtMS0w_55d3c427-4602-46f6-b9b6-b3d7348c56b7">2,225,721</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0c5b4c41c9e941be90dea58611899513_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEyLTEyLTEtMS0w_656c4b76-cd6d-4ca3-9de5-5cd9fca6640d">3,241,884</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0c5b4c41c9e941be90dea58611899513_I20191231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEyLTE0LTEtMS0w_7fb222b1-9d05-42ee-8be6-3ddf9f5bb22f">16,315,651</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 30-59 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i273b0f2586034b73a989e45594267941_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEzLTItMS0xLTA_e5d67605-9a20-49cb-9322-42b333f957d2">11,152</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i273b0f2586034b73a989e45594267941_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEzLTQtMS0xLTA_ee38e87b-40c8-4d7c-89b7-1990dc8cad03">26,096</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i273b0f2586034b73a989e45594267941_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEzLTYtMS0xLTA_015521db-440f-4866-af35-6a5141d50c97">44,382</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i273b0f2586034b73a989e45594267941_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEzLTgtMS0xLTA_ac722b7f-4b1c-4a1c-b6b3-f56e8937e615">51,656</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i273b0f2586034b73a989e45594267941_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEzLTEwLTEtMS0w_98a19910-fcf0-4286-96c6-c2a3118148cf">54,559</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i273b0f2586034b73a989e45594267941_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEzLTEyLTEtMS0w_e38b49e1-3ff6-4c26-a85a-1e6168177ebe">100,206</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i273b0f2586034b73a989e45594267941_I20191231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzEzLTE0LTEtMS0w_95cc7418-0aed-4c86-8dff-fe68adea9a96">288,051</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 60-89 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9776bda1dc8c4049852bc73e3325643f_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE0LTItMS0xLTA_703cb434-8924-4c98-917e-67f2e81f52d7">3,087</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9776bda1dc8c4049852bc73e3325643f_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE0LTQtMS0xLTA_d8ce515b-0f8e-44e1-a355-8b5aafa733d0">9,527</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9776bda1dc8c4049852bc73e3325643f_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE0LTYtMS0xLTA_c39c2af8-10bb-46d7-aa14-662b321e9d41">17,048</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9776bda1dc8c4049852bc73e3325643f_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE0LTgtMS0xLTA_7fcaf81e-7983-4dda-bdcb-df0534b5b952">21,161</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9776bda1dc8c4049852bc73e3325643f_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE0LTEwLTEtMS0w_80b073dd-01d2-4c1b-880e-2e409cc6b8e1">24,562</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9776bda1dc8c4049852bc73e3325643f_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE0LTEyLTEtMS0w_912cf565-7787-4cc8-a363-d20a8cf0dae0">45,917</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9776bda1dc8c4049852bc73e3325643f_I20191231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE0LTE0LTEtMS0w_88f7fb03-ec0a-498b-a13b-db1ebfd825c0">121,302</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans 90 days or greater past due</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie4288e9f76454bc6a81059185bfb525f_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInCurrentFiscalYear" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE1LTItMS0xLTA_0408b956-46ef-4231-8ade-a56b21af53e7">935</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie4288e9f76454bc6a81059185bfb525f_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE1LTQtMS0xLTA_6bdb31ba-a4c8-4630-ab96-dc4c24456286">3,850</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie4288e9f76454bc6a81059185bfb525f_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE1LTYtMS0xLTA_6e49e021-94c3-4dd8-82da-942667ea55ad">7,818</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie4288e9f76454bc6a81059185bfb525f_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE1LTgtMS0xLTA_55012f2d-82ea-43ef-842c-68f6e2312d9d">12,314</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie4288e9f76454bc6a81059185bfb525f_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE1LTEwLTEtMS0w_97b693a4-5078-41a2-9c9e-dcd8fa5f58eb">12,946</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie4288e9f76454bc6a81059185bfb525f_I20191231" decimals="-3" name="us-gaap:FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE1LTEyLTEtMS0w_1d780296-eee9-46eb-b518-d6bd4825b37b">24,803</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie4288e9f76454bc6a81059185bfb525f_I20191231" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE1LTE0LTEtMS0w_360f0e1d-e34d-4751-8928-10b0ba1b250b">62,666</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansInRepaymentOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE2LTItMS0xLTA_75b21207-049d-431e-b7dc-308de56a7bff">2,355,395</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE2LTQtMS0xLTA_e469bdf6-5450-4784-9f53-b58de4b3d2e7">3,199,351</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE2LTYtMS0xLTA_02ea7c1c-cc4c-402d-aec1-ebf235472d67">2,850,380</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE2LTgtMS0xLTA_a2e60a62-1ed0-4dd4-b67e-71bbfca36724">2,651,946</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE2LTEwLTEtMS0w_336831c6-49e5-4b62-ba64-fa11509de403">2,317,788</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE2LTEyLTEtMS0w_0ff361d6-5df4-4a67-8d73-70da56f2e931">3,412,810</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansInRepaymentBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE2LTE0LTEtMS0w_4c8f4f3e-101f-4f7e-8555-03b773516264">16,787,670</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansGrossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE3LTItMS0xLTA_096e8634-1416-405b-af8e-653d66857348">4,047,048</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE3LTQtMS0xLTA_38f35d6b-574c-45d2-b053-5b3a6de8ba0d">4,888,373</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE3LTYtMS0xLTA_2b73bde8-3757-4446-b314-d657ba904d2a">4,003,485</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE3LTgtMS0xLTA_2a12a221-daf2-4ec9-b190-064391d45aa3">3,433,858</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE3LTEwLTEtMS0w_0f2c68c6-e04f-42e5-af9b-5646436da0f4">2,821,172</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE3LTEyLTEtMS0w_313ec039-1a87-4dfb-bab4-ff7b1f03a308">3,995,655</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansGrossBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE3LTE0LTEtMS0w_3f6e66c5-01ac-4ddd-9c1b-56ccf170fe44">23,189,591</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE4LTItMS0xLTA_673bbda3-a51a-4a4b-a5e9-8f8556305e2d">23,661</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE4LTQtMS0xLTA_8a0e266c-99f2-4ea5-8220-99cc39357efc">17,699</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE4LTYtMS0xLTA_0b3ad55e-9d2f-45a6-8111-40195c59cc63">13,843</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE4LTgtMS0xLTA_92d271af-fd2c-4f9a-946c-e8fa64a47c11">12,304</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE4LTEwLTEtMS0w_198f3d0c-1958-4160-b58a-6985089bfac7">8,564</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE4LTEyLTEtMS0w_2cd7d3e3-7d44-48cd-b130-224b79c41151">5,153</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE4LTE0LTEtMS0w_84468352-3254-4ffa-99b3-a97f73205d4f">81,224</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE5LTItMS0xLTA_29d597cc-eaa4-489f-9da2-6186d1ebb486">4,070,709</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE5LTQtMS0xLTA_5912c4fd-81c4-4788-a646-da6fb58fcfac">4,906,072</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE5LTYtMS0xLTA_d0967e9c-144c-4c89-9d3f-2e5c6938966a">4,017,328</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE5LTgtMS0xLTA_f11a5678-e59d-454d-8416-f9ea68358bac">3,446,162</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE5LTEwLTEtMS0w_3aacd5c0-801d-4f1a-aa76-5b4858d62bef">2,829,736</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE5LTEyLTEtMS0w_799a26b2-470f-4fde-9682-8984250441e7">4,000,808</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:LoansBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzE5LTE0LTEtMS0w_72b4a30e-7548-43ee-b680-9bb5f8576dee">23,270,815</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans allowance for losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIwLTItMS0xLTA_712e9a50-1e81-4612-b193-88354914428b">3,013</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIwLTQtMS0xLTA_5f55ff79-2c75-4de2-83a5-483199117797">19,105</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIwLTYtMS0xLTA_d53e33ce-0195-4687-b29d-6719265aefc2">44,858</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIwLTgtMS0xLTA_71b40cc6-13d7-486e-8f6c-c0a31c0c023c">71,598</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIwLTEwLTEtMS0w_96640366-63a5-44c9-a0a4-8ced8805dc18">80,974</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIwLTEyLTEtMS0w_7602d2c6-c3a2-4021-87ef-523df0ee219c">154,752</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIwLTE0LTEtMS0w_6b8d5ef0-acc9-49cb-b8c7-583b6e42be8c">374,300</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIxLTItMS0xLTA_18099334-e85e-4cb3-88bf-c38a944d150c">4,067,696</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIxLTQtMS0xLTA_6699df96-64ee-43c8-a908-31a683fec3f9">4,886,967</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIxLTYtMS0xLTA_9b662c7f-821c-4304-afe4-07cabe8db405">3,972,470</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIxLTgtMS0xLTA_6fa78651-d3b8-4b5e-ab60-0d7f92915b65">3,374,564</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIxLTEwLTEtMS0w_450a5a82-dcfc-45ef-a76f-026828b68ab3">2,748,762</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIxLTEyLTEtMS0w_14136bb2-cca3-4ae2-ab37-80d08927a44d">3,846,056</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5faf34c5b89f4ff499a18d7b8b20b8f8_I20191231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIxLTE0LTEtMS0w_5430c44d-be4f-4c7d-9bb8-33185ad3b4b4">22,896,515</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTItMS0xLTA_d3f01c1f-9c7c-4485-b7d9-57cc074b900f">58.2</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTQtMS0xLTA_e08f7c7e-7791-44c5-81e8-9b80fe1e63da">65.4</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTYtMS0xLTA_41c33d3e-9e53-43e8-9f48-2f3fc13750d3">71.2</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTgtMS0xLTA_4f0b4a4d-0b57-4492-952a-19d16e1dbc3c">77.2</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTEwLTEtMS0w_f729cbb5-196a-4fbd-bb72-517a47516468">82.2</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTEyLTEtMS0w_c2d38ab9-a1a1-4da1-b520-d04b7258810c">85.4</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTE0LTEtMS0w_559deeb4-6fd1-4b30-9548-14499bea5092">72.4</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTItMS0xLTA_9fdb4e26-654c-4054-8fa5-c59ff6b3048f">0.6</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTQtMS0xLTA_7358ae1d-0444-416c-ae4e-9143c8a89bec">1.2</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTYtMS0xLTA_23f77f95-ca42-4968-ba8e-b219bb5807bf">2.4</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTgtMS0xLTA_d6f4a958-0270-408e-9bb3-a243465fba03">3.2</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTEwLTEtMS0w_d77e1ca5-8cc4-4d9e-a3ce-61bfaf8ef390">4.0</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTEyLTEtMS0w_d0627956-3e4f-4b50-81b1-0c1de645a5a4">5.0</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepayment" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTE0LTEtMS0w_63372eb8-11ed-4f81-9650-f3683262524d">2.8</ix:nonFraction> %</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of loans in repayment and forbearance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTItMS0xLTA_15756af2-0388-4351-ac21-c2b130a44131">0.9</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTQtMS0xLTA_84a85b85-edf9-4eee-a21f-daae9ef838ee">3.3</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTYtMS0xLTA_fc57e1c0-de39-4498-9988-beacc5dffd24">4.8</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTgtMS0xLTA_54021ac6-13aa-4b86-b39e-c7dfc6197922">5.2</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTEwLTEtMS0w_f0bc4862-71e3-49f6-900a-977bb1f3d0ef">5.2</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTEyLTEtMS0w_952dec49-df27-4d6a-86dd-f905772378a4">4.7</ix:nonFraction> %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTE0LTEtMS0w_29b4ffe2-01af-4da8-8449-ff08c0141775">4.1</ix:nonFraction> %</span></td></tr></table></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">The period of delinquency is based on the number of days scheduled payments are contractually past due.</span></div></ix:continuation></ix:continuation><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-50  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:0.1%"></td><td style="width:2.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Allowance for Credit Losses (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="text-indent:22.5pt"><span><br/></span></div><ix:continuation id="ic94d353a35c442cc8911c3393680689f"><div style="padding-left:36pt;padding-right:18pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accrued Interest Receivable</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:AccruedInterestReceivableTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NjQy_38a58cbb-8529-44f8-a55d-57402c6c1224" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information regarding accrued interest receivable on our Private Education Loans. The table also discloses the amount of accrued interest on loans <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:PeriodofLoansPastDueThatHaveAccruedInterest" format="ixt-sec:durday" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzEzODA4_e7c5fcce-5473-464f-a47a-bf68f444205f">90</ix:nonNumeric> days and greater past due as compared to our allowance for uncollectible interest on loans making full interest payments. The majority of the total accrued interest receivable represents accrued interest on deferred loans where no payments are due while the borrower is in school and fixed-pay loans where the borrower makes a $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0MTIx_cdb6fa83-f1b8-449b-bd63-283a2b1c39f4">25</ix:nonFraction> monthly payment that is smaller than the interest accruing on the loan in that month. The accrued interest on these loans will be capitalized to the balance of the loans when the borrower exits the grace period after separation from school. The allowance for this portion of interest is included in our loan loss reserve. The allowance for uncollectible interest exceeds the amount of accrued interest on our <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:PeriodofLoansPastDueThatHaveAccruedInterest" format="ixt-sec:durday" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NTMy_9e2aa92c-83b1-4e12-9830-7465ea467a7f">90</ix:nonNumeric> days past due Private Education Loan portfolio for all periods presented.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.055%"><tr><td style="width:1.0%"></td><td style="width:40.048%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.996%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.321%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.996%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.321%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.996%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.322%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Education Loans</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Accrued Interest Receivable</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Interest<br/>Receivable</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">90 Days and Greater <br/>Past Due</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for<br/>Uncollectible<br/>Interest</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2021</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:AccruedInterestReceivableOnPrivateEducationLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MjUwNWE2YmQ0MzY0YjVmOWVhMjU4OTk4NjJiYjQwMi90YWJsZXJhbmdlOjcyNTA1YTZiZDQzNjRiNWY5ZWEyNTg5OTg2MmJiNDAyXzQtMi0xLTEtMA_50eb28f2-b084-4c47-a04d-9d236dca0f19">1,187,123</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:GreaterThanNinetyDaysPastDueAccruedInterestReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MjUwNWE2YmQ0MzY0YjVmOWVhMjU4OTk4NjJiYjQwMi90YWJsZXJhbmdlOjcyNTA1YTZiZDQzNjRiNWY5ZWEyNTg5OTg2MmJiNDAyXzQtNC0xLTEtMA_fd0b308d-6e82-4aac-ba6a-0c153e940ff5">3,635</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:AllowanceForUncollectibleAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MjUwNWE2YmQ0MzY0YjVmOWVhMjU4OTk4NjJiYjQwMi90YWJsZXJhbmdlOjcyNTA1YTZiZDQzNjRiNWY5ZWEyNTg5OTg2MmJiNDAyXzQtNi0xLTEtMA_15dfe592-d767-4fc1-9ca7-b0ddcb51e3dd">4,937</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:AccruedInterestReceivableOnPrivateEducationLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MjUwNWE2YmQ0MzY0YjVmOWVhMjU4OTk4NjJiYjQwMi90YWJsZXJhbmdlOjcyNTA1YTZiZDQzNjRiNWY5ZWEyNTg5OTg2MmJiNDAyXzUtMi0xLTEtMA_e71328b5-78e8-4440-965a-47c011d5919f">1,168,895</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:GreaterThanNinetyDaysPastDueAccruedInterestReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MjUwNWE2YmQ0MzY0YjVmOWVhMjU4OTk4NjJiYjQwMi90YWJsZXJhbmdlOjcyNTA1YTZiZDQzNjRiNWY5ZWEyNTg5OTg2MmJiNDAyXzUtNC0xLTEtMA_b3b905ea-ee35-4faa-a65b-6141cceda6c7">4,354</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:AllowanceForUncollectibleAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MjUwNWE2YmQ0MzY0YjVmOWVhMjU4OTk4NjJiYjQwMi90YWJsZXJhbmdlOjcyNTA1YTZiZDQzNjRiNWY5ZWEyNTg5OTg2MmJiNDAyXzUtNi0xLTEtMA_eaef51e9-cfcb-4f4e-b679-80deed3fb195">4,467</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric></ix:continuation><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-51</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_115"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt;text-align:center"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="margin-top:14pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">8. <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:CreditLossFinancialInstrumentTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90ZXh0cmVnaW9uOjMwMTNmNzAwYjIzMjRmNzZiYTJmNjNhNmJkYTBjOGFkXzIwNDE_d382965e-40ab-45bc-b254-b6edefe43082" continuedAt="if0e99fa303314654bff0c2d0f2accbe2" escape="true">Unfunded Loan Commitments</ix:nonNumeric></span></div><ix:continuation id="if0e99fa303314654bff0c2d0f2accbe2"><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When we approve a Private Education Loan at the beginning of an academic year, that approval may cover the borrowing for the entire academic year. As such, we do not always disburse the full amount of the loan at the time of such approval, but instead have a commitment to fund a portion of the loan at a later date (usually at the start of the second semester or subsequent trimesters). We estimate expected credit losses over the contractual period in which we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by us. See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses, &#8212; Allowance for Credit Losses - 2021 and 2020, &#8212; Off-Balance Sheet Exposure for Contractual Loan Commitments - 2021 and 2020&#8221; for additional information. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December 31, 2021, we had $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-8" name="us-gaap:ContractualObligation" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90ZXh0cmVnaW9uOjMwMTNmNzAwYjIzMjRmNzZiYTJmNjNhNmJkYTBjOGFkXzgzMw_d3158fc3-b71b-4b11-ae56-a641d511e0d5">1.8</ix:nonFraction>&#160;billion of outstanding contractual loan commitments that we expect to fund during the remainder of the 2021/2022 academic year. <ix:continuation id="i1d7dcd897ae04fb9872ddecab780be19" continuedAt="i83f27a824856446492fe675a1c37a12d">The tables below summarize the activity in the allowance recorded to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheets, as well as the activity in the unfunded commitments balance. </ix:continuation></span></div><ix:continuation id="i83f27a824856446492fe675a1c37a12d"><div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:528.75pt"><tr><td style="width:1.0pt"></td><td style="width:119.50pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:54.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:10.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:63.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:9.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:49.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:9.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:66.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:54.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:66.25pt"></td><td style="width:1.0pt"></td></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:24pt"><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unfunded Commitments</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 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colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:num-dot-decimal" scale="3" 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1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6363d3dada714b04a1034f162f4edee5_I20181231" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzQtOS0xLTEtMA_525de093-fe02-4738-8d43-5d09bd7c29cd">2,165</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6363d3dada714b04a1034f162f4edee5_I20181231" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzQtMTEtMS0xLTA_f25b922a-8967-46eb-b4de-54bde1a58cec">2,010,744</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:23pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Day 1 adjustment for the adoption of CECL</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i798d255e33a0487e8e95176387958317_I20191231" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzUtNS0xLTEtMA_5b1cb073-5424-499d-992d-41ee9c5e29b2">115,758</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i798d255e33a0487e8e95176387958317_I20191231" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzUtNy0xLTEtMA_53d707f8-a003-49e9-b91e-9e3390d3199c">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Balance at January 1</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzYtMS0xLTEtMA_f2333512-15cd-4dca-baa2-d7ef9c268c7f">110,044</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 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style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i909e04fed56a470c861df68e4d8267e1_I20191231" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzYtNS0xLTEtMA_15f41f9d-7956-4bd1-b160-25cafb4239e0">118,239</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid 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colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6363d3dada714b04a1034f162f4edee5_I20181231" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzYtOS0xLTEtMA_7b1882c7-b3a2-4683-adde-e4de5c4ee501">2,165</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6363d3dada714b04a1034f162f4edee5_I20181231" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzYtMTEtMS0xLTA_ac1ed6dc-31e7-4463-80b7-90cffa8d79cd">2,010,744</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:23pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Provision/New commitments - net</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzctMS0xLTEtMA_abc5d6c2-ec50-4408-a04b-1083df86bade">232,822</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzctMy0xLTEtMA_79de07ca-fdad-48a5-937e-489798111714">5,512,841</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzctNS0xLTEtMA_55384816-8427-4d51-a034-9759c1987b2e">311,659</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzctNy0xLTEtMA_ecfa85dd-386e-4496-849d-9e2d382b48d5">5,070,175</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzctOS0xLTEtMA_afb8e043-9f96-44fc-a19e-0f66f0522b12">5,937</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzctMTEtMS0xLTA_6db31858-cd38-404b-90fa-8c01140adfaa">5,513,790</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other provision items</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzgtMS0xLTEtNDAy_4b6d9367-579f-468e-8fe3-8f30af744655">31,502</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityOther" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzgtMy0xLTEtNDAy_b0619c63-5321-4521-a422-a8e85e1d8099">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzgtNS0xLTEtNDAy_e4fa9198-e58d-4069-b87c-9a98d99f631a">954</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityOther" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzgtNy0xLTEtNDAy_b5e64d1d-755a-4a6c-9c6c-cb9bc6461b79">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzgtOS0xLTEtNDAy_31dd246d-4aa7-405e-a5b4-ae65faa51b27">596</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityOther" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzgtMTEtMS0xLTQwMg_ff9fa313-fc79-4781-8cac-07e0c5740a20">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Transfer - funded loans</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzgtMS0xLTEtMA_be84c80a-7ad5-40de-9e8e-e3e82c3c0848">301,655</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzgtMy0xLTEtMA_41c1fdf3-91a5-4707-a0c9-7bfec3a4d9a7">5,408,883</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzgtNS0xLTEtMA_0ff58663-f820-4c8d-b932-bc8b2da61db5">320,808</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzgtNy0xLTEtMA_d0d2c4af-a02b-4e78-89b3-2f242475ce46">5,307,760</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzgtOS0xLTEtMA_362eda93-d596-4a82-aa43-3efdbd49f34f">6,217</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzgtMTEtMS0xLTA_1abc015f-9058-471a-b837-161880327079">5,613,931</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ending Balance</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzktMy0xLTEtMA_337c91ef-b503-4b51-b824-2de6e1f31e28">1,776,976</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90YWJsZTo3YjhiYWRmOWZkNTU0YWI0YWM5Mjc4OGFkMDg0NzdhZi90YWJsZXJhbmdlOjdiOGJhZGY5ZmQ1NTRhYjRhYzkyNzg4YWQwODQ3N2FmXzktMTEtMS0xLTA_3688d39f-c2ab-4b69-b4c0-973fdc90a5cc">1,910,603</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:3pt;padding-left:42.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net of expirations of commitments unused.</span></div><div style="padding-left:42.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">When a loan commitment is funded, its related liability for credit losses (which originally was recorded as a provision for unfunded commitments) is transferred to the allowance for credit losses.</span></div></ix:continuation><div style="padding-left:42.75pt;padding-right:63pt;text-indent:-15.75pt"><span><br/></span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The unfunded commitments disclosed above represent the total amount of outstanding unfunded commitments at each period end. However, historically not all of these commitments are funded prior to the expiration of the commitments. We estimate the amount of commitments expected to be funded in calculating the reserve for unfunded commitments. The amount we expect to fund and use in our calculation of the reserve for unfunded commitments will change period to period based upon the loan characteristics of the underlying commitments.</span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-52  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_118"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="text-align:center"><span><br/></span></div><div style="margin-top:9pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_10">Table of Contents</a></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">9.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTgvZnJhZzoxM2U3YmZkNTJhYzY0ZjE5YTkwYWVhNGIwOTc2MDkxNS90ZXh0cmVnaW9uOjEzZTdiZmQ1MmFjNjRmMTlhOTBhZWE0YjA5NzYwOTE1XzI2Mw_6a92cdc8-a964-4f0b-8e22-b0379ec8d12b" continuedAt="i5305e8ec53b4440592677dc14cba1ff0" escape="true">Premises and Equipment, net </ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="i5305e8ec53b4440592677dc14cba1ff0" continuedAt="idc3496c60a9a45deaf5e08b10730f007"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;<ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:PropertyPlantAndEquipmentTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTgvZnJhZzoxM2U3YmZkNTJhYzY0ZjE5YTkwYWVhNGIwOTc2MDkxNS90ZXh0cmVnaW9uOjEzZTdiZmQ1MmFjNjRmMTlhOTBhZWE0YjA5NzYwOTE1XzI2NQ_f1c7f415-860e-419a-99ae-51be69af8ca5" continuedAt="i56368c2bcf504504bb01ac79dfac94f8" escape="true">The following is a summary of our premises and equipment.</ix:nonNumeric></span></div><div><span><br/></span></div><div style="text-align:center"><ix:continuation id="i56368c2bcf504504bb01ac79dfac94f8"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:51.111%"><tr><td style="width:1.0%"></td><td style="width:52.976%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.160%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.736%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.789%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.739%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if555d53361764163860190df04ffd99d_I20201231" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTgvZnJhZzoxM2U3YmZkNTJhYzY0ZjE5YTkwYWVhNGIwOTc2MDkxNS90YWJsZTplNjFhMTYyMWY0NjM0ZWVlOTkwOTkwZTQ0NTc4OGJjZC90YWJsZXJhbmdlOmU2MWExNjIxZjQ2MzRlZWU5OTA5OTBlNDQ1Nzg4YmNkXzQtNC0xLTEtMA_049a75e5-0d10-4048-b6b4-c4be9d51572d">28,272</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Software</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibb11352632744758b749458123deb1cd_I20211231" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentGross" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTgvZnJhZzoxM2U3YmZkNTJhYzY0ZjE5YTkwYWVhNGIwOTc2MDkxNS90YWJsZTplNjFhMTYyMWY0NjM0ZWVlOTkwOTkwZTQ0NTc4OGJjZC90YWJsZXJhbmdlOmU2MWExNjIxZjQ2MzRlZWU5OTA5OTBlNDQ1Nzg4YmNkXzUtMi0xLTEtMA_8465273d-b638-460d-85a4-1579c469d1dd">88,710</ix:nonFraction>&#160;</span></td><td 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTgvZnJhZzoxM2U3YmZkNTJhYzY0ZjE5YTkwYWVhNGIwOTc2MDkxNS90YWJsZTplNjFhMTYyMWY0NjM0ZWVlOTkwOTkwZTQ0NTc4OGJjZC90YWJsZXJhbmdlOmU2MWExNjIxZjQ2MzRlZWU5OTA5OTBlNDQ1Nzg4YmNkXzYtMi0xLTEtMA_334f3ea5-7130-4b60-af17-ea99114807d8">253,321</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentGross" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTgvZnJhZzoxM2U3YmZkNTJhYzY0ZjE5YTkwYWVhNGIwOTc2MDkxNS90YWJsZTplNjFhMTYyMWY0NjM0ZWVlOTkwOTkwZTQ0NTc4OGJjZC90YWJsZXJhbmdlOmU2MWExNjIxZjQ2MzRlZWU5OTA5OTBlNDQ1Nzg4YmNkXzctMi0xLTEtMA_b7950fc7-0dbc-44e5-8345-c3456d174791">102,805</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTgvZnJhZzoxM2U3YmZkNTJhYzY0ZjE5YTkwYWVhNGIwOTc2MDkxNS90YWJsZTplNjFhMTYyMWY0NjM0ZWVlOTkwOTkwZTQ0NTc4OGJjZC90YWJsZXJhbmdlOmU2MWExNjIxZjQ2MzRlZWU5OTA5OTBlNDQ1Nzg4YmNkXzctNC0xLTEtMA_03ac9a9a-23de-4bfc-8664-36109e8990b4">83,429</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Premises and equipment, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentNet" format="ixt:num-dot-decimal" scale="3" 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#000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTgvZnJhZzoxM2U3YmZkNTJhYzY0ZjE5YTkwYWVhNGIwOTc2MDkxNS90YWJsZTplNjFhMTYyMWY0NjM0ZWVlOTkwOTkwZTQ0NTc4OGJjZC90YWJsZXJhbmdlOmU2MWExNjIxZjQ2MzRlZWU5OTA5OTBlNDQ1Nzg4YmNkXzgtNC0xLTEtMA_b4a180b9-0ed1-4c05-8564-9b9934013eeb">154,670</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></ix:continuation></div></ix:continuation><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="idc3496c60a9a45deaf5e08b10730f007">&#160;&#160;&#160;&#160;Depreciation expense for premises and equipment was $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="us-gaap:Depreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTgvZnJhZzoxM2U3YmZkNTJhYzY0ZjE5YTkwYWVhNGIwOTc2MDkxNS90ZXh0cmVnaW9uOjEzZTdiZmQ1MmFjNjRmMTlhOTBhZWE0YjA5NzYwOTE1XzE1NQ_3419b402-9b21-4ffb-b645-431b75add92c">16</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="us-gaap:Depreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTgvZnJhZzoxM2U3YmZkNTJhYzY0ZjE5YTkwYWVhNGIwOTc2MDkxNS90ZXh0cmVnaW9uOjEzZTdiZmQ1MmFjNjRmMTlhOTBhZWE0YjA5NzYwOTE1XzE2Nw_525635dc-de73-474a-808f-60be28835d87">15</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-6" name="us-gaap:Depreciation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTgvZnJhZzoxM2U3YmZkNTJhYzY0ZjE5YTkwYWVhNGIwOTc2MDkxNS90ZXh0cmVnaW9uOjEzZTdiZmQ1MmFjNjRmMTlhOTBhZWE0YjA5NzYwOTE1XzE4Mg_b91b351a-f2b4-4766-80a6-1966873ab176">15</ix:nonFraction> million for the years ended December 31, 2021, 2020, and 2019, respectively.</ix:continuation> </span></div><div><span><br/></span></div><div><span><br/></span></div><div id="i35472170320a48e7aebfc3743129a2e0_121"></div><div style="text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">10.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:DepositLiabilitiesDisclosuresTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzE4OTA_75cd768b-d401-495d-9fdc-339eaa29f395" continuedAt="i4926bcfdf62343ef99ed971835cc94fd" escape="true">Deposits</ix:nonNumeric></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><ix:continuation id="i4926bcfdf62343ef99ed971835cc94fd" continuedAt="i7ff313ec55f743799f33e07642b45a1e"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:ScheduleofDepositsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzE5MDE_1e653b95-28c6-46cd-9107-8f1d0634ef72" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes total deposits at December 31, 2021 and 2020.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:57.638%"><tr><td style="width:1.0%"></td><td style="width:59.863%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.004%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.213%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:1.004%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.216%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits - interest bearing</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span 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#000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:InterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTozMjI2ZDFmOWRjMGE0ZTlhOWEzMDc3Mjc2MGZkYzA2OS90YWJsZXJhbmdlOjMyMjZkMWY5ZGMwYTRlOWE5YTMwNzcyNzYwZmRjMDY5XzItNS0xLTEtMA_190174c6-9d08-402d-bd32-d35f755538a6">22,664,899</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits - non-interest bearing</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:NoninterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTozMjI2ZDFmOWRjMGE0ZTlhOWEzMDc3Mjc2MGZkYzA2OS90YWJsZXJhbmdlOjMyMjZkMWY5ZGMwYTRlOWE5YTMwNzcyNzYwZmRjMDY5XzMtMi0xLTEtMA_82b2e10d-d8e6-41cd-8aed-7c6353a048a5">1,432</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:NoninterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTozMjI2ZDFmOWRjMGE0ZTlhOWEzMDc3Mjc2MGZkYzA2OS90YWJsZXJhbmdlOjMyMjZkMWY5ZGMwYTRlOWE5YTMwNzcyNzYwZmRjMDY5XzMtNS0xLTEtMA_d106160e-03b6-419e-a97b-8ff73541c1e2">1,140</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTozMjI2ZDFmOWRjMGE0ZTlhOWEzMDc3Mjc2MGZkYzA2OS90YWJsZXJhbmdlOjMyMjZkMWY5ZGMwYTRlOWE5YTMwNzcyNzYwZmRjMDY5XzQtMi0xLTEtMA_16375f66-5736-409e-8e51-022d6eecc42d">20,828,124</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTozMjI2ZDFmOWRjMGE0ZTlhOWEzMDc3Mjc2MGZkYzA2OS90YWJsZXJhbmdlOjMyMjZkMWY5ZGMwYTRlOWE5YTMwNzcyNzYwZmRjMDY5XzQtNS0xLTEtMA_6326a8a0-a999-43c5-86f5-61a3f37ce727">22,666,039</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our total deposits of $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-8" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzExOQ_cbe710dc-2c75-4a3e-80c6-530330a0667c">20.8</ix:nonFraction> billion were comprised of $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-8" name="slm:BrokeredDeposits" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzE0MA_302f3fc1-fde7-49f8-b870-3214a64dca99">10.1</ix:nonFraction> billion in brokered deposits and $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-8" name="slm:RetailandOtherDeposits" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzE2OA_404fa3ab-058d-4dff-8cf3-da1b35b31522">10.7</ix:nonFraction> billion in retail and other deposits at December 31, 2021, compared with total deposits of $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-8" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzI1Mg_72dfe8c5-fd3f-45df-afe0-bbac260dd813">22.7</ix:nonFraction> billion, which were comprised of $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-8" name="slm:BrokeredDeposits" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzI4MA_6ae69540-6b8d-42a9-b884-a5b19fae0509">11.9</ix:nonFraction> billion in brokered deposits and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-8" name="slm:RetailandOtherDeposits" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzMwOA_9822c4d0-e199-49e2-b295-725ff70ba107">10.8</ix:nonFraction> billion in retail and other deposits, at December 31, 2020.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest bearing deposits as of December 31, 2021 and 2020 consisted of retail and brokered non-maturity savings deposits, retail and brokered non-maturity MMDAs and retail and brokered CDs. Interest bearing deposits include deposits from Educational 529 and Health Savings plans that diversify our funding sources and add deposits we consider to be core. These and other large omnibus accounts, aggregating the deposits of many individual depositors, represented $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-8" name="slm:StableInterestbearingDepositsTotal" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzgyMg_c7814993-3be9-4972-b68a-1b6d6dec6c35">7.3</ix:nonFraction>&#160;billion of our deposit total as of December 31, 2021, compared with $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-8" name="slm:StableInterestbearingDepositsTotal" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzg5MQ_6856f665-333a-4e0e-b102-3916ffbca64d">7.1</ix:nonFraction> billion at December 31, 2020.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Some of our deposit products are serviced by third-party providers. Placement fees associated with the brokered CDs are amortized into interest expense using the effective interest rate method. We recognized placement fee expense of $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="slm:BrokeredDepositPlacementFee" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzExNDc_7ed0f7e9-a7ee-4309-9480-0981150885e9">16</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="slm:BrokeredDepositPlacementFee" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzExNTk_d33fe7d8-1926-42e5-ba9f-d46b7da24a8a">19</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-6" name="slm:BrokeredDepositPlacementFee" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzExNzU_dd89ef57-e451-4ca1-9b26-f51032da9d70">18</ix:nonFraction> million in the years ended December 31, 2021, 2020, and 2019, respectively. Fees paid to third-party brokers related to these CDs were $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="slm:ThirdPartyBrokerFeesPaid" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzEzMDY_bda75289-83a1-481a-9bcd-b4064a13cdda">13</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="slm:ThirdPartyBrokerFeesPaid" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzEzMTg_51896511-8fee-4447-a878-b785bfe06d12">5</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-6" name="slm:ThirdPartyBrokerFeesPaid" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzEzMzQ_134c63f0-3039-4bb7-8603-79e7740530b0">28</ix:nonFraction> million during the years ended December 31, 2021, 2020, and 2019, respectively. </span></div></ix:continuation><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-53</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.127%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.673%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">10.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Deposits (Continued)</span></td></tr></table></div><div style="margin-top:6pt;text-align:center"><span><br/></span></div></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><ix:continuation id="i7ff313ec55f743799f33e07642b45a1e"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:InterestBearingDepositsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzE5MTk_2ebeb1a0-ccbd-4f99-abe2-944ca0b9a741" continuedAt="i4ff51ebc3ee34a6baec8b9211602314e" escape="true"><div style="margin-top:9pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest bearing deposits at December 31, 2021 and 2020 are summarized as follows:</span></div><div style="margin-top:9pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.000%"><tr><td style="width:1.0%"></td><td style="width:38.159%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.096%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.974%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.725%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.159%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.725%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.974%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.725%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.163%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year-End Weighted</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Stated Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year-End Weighted</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Stated Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTozMWUyNzY1YzhhMTA0YmI0YjMzMzlkZDRjOGJjZWU4Yi90YWJsZXJhbmdlOjMxZTI3NjVjOGExMDRiYjRiMzMzOWRkNGM4YmNlZThiXzMtOC0xLTEtMA_13f052e9-350e-4570-81a4-0fd7d6de5f20">0.83</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Savings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:InterestBearingDomesticDepositSavings" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTozMWUyNzY1YzhhMTA0YmI0YjMzMzlkZDRjOGJjZWU4Yi90YWJsZXJhbmdlOjMxZTI3NjVjOGExMDRiYjRiMzMzOWRkNGM4YmNlZThiXzQtNi0xLTEtMA_a1c390c7-7a1b-477a-8192-83c5a52cc208">907,976</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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deposit</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:InterestBearingDomesticDepositTimeDeposits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTozMWUyNzY1YzhhMTA0YmI0YjMzMzlkZDRjOGJjZWU4Yi90YWJsZXJhbmdlOjMxZTI3NjVjOGExMDRiYjRiMzMzOWRkNGM4YmNlZThiXzUtMi0xLTEtMA_e1292890-2953-4dd2-a270-680e40792669">9,394,001</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td 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1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:InterestBearingDomesticDepositTimeDeposits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTozMWUyNzY1YzhhMTA0YmI0YjMzMzlkZDRjOGJjZWU4Yi90YWJsZXJhbmdlOjMxZTI3NjVjOGExMDRiYjRiMzMzOWRkNGM4YmNlZThiXzUtNi0xLTEtMA_eebfac90-7578-4e48-9fd6-85a7f56c3b58">11,597,266</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositTimeDeposits" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTozMWUyNzY1YzhhMTA0YmI0YjMzMzlkZDRjOGJjZWU4Yi90YWJsZXJhbmdlOjMxZTI3NjVjOGExMDRiYjRiMzMzOWRkNGM4YmNlZThiXzUtOC0xLTEtMA_6b83aad3-54a2-4427-b295-680ae0dfe860">1.34</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deposits - interest bearing</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:InterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTozMWUyNzY1YzhhMTA0YmI0YjMzMzlkZDRjOGJjZWU4Yi90YWJsZXJhbmdlOjMxZTI3NjVjOGExMDRiYjRiMzMzOWRkNGM4YmNlZThiXzYtMi0xLTEtMA_71b7ca76-0dac-4e85-843d-62b0f75b32e0">20,826,692</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:InterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTozMWUyNzY1YzhhMTA0YmI0YjMzMzlkZDRjOGJjZWU4Yi90YWJsZXJhbmdlOjMxZTI3NjVjOGExMDRiYjRiMzMzOWRkNGM4YmNlZThiXzYtNi0xLTEtMA_c7727e0f-5b13-413b-8209-cacba1f5f40b">22,664,899</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr></table></div></ix:nonNumeric><div style="margin-top:9pt;padding-left:20.25pt"><ix:continuation id="i4ff51ebc3ee34a6baec8b9211602314e" continuedAt="ibb69535fe86547d69cbad3ac33b056dd"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></ix:continuation><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:continuation id="ibb69535fe86547d69cbad3ac33b056dd">  Includes the effect of interest rate swaps in effective hedge relationships.</ix:continuation> </span></div><div style="margin-top:9pt;text-indent:22.5pt"><span><br/></span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:ScheduleofMaturitiesofTimeDepositsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzE5MTM_1a7d8b1f-7842-4f64-b711-e6389fbedfe7" escape="true"><div style="margin-top:9pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certificates of deposit remaining maturities are summarized as follows:</span></div><div style="margin-top:9pt;text-align:center;text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.305%"><tr><td style="width:1.0%"></td><td style="width:57.467%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.078%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.337%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.078%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.340%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">One year or less</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearOne" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzItMi0xLTEtMA_cea78832-4a76-4d31-8d61-0d574efbef69">4,407,370</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearOne" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzItNC0xLTEtMA_7b1a4153-638a-48c4-b703-8182d974d82e">5,728,556</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After one year to two years</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearTwo" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzMtMi0xLTEtMA_a8ced712-205c-40f0-9508-b7bb53741370">2,297,955</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearTwo" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzMtNC0xLTEtMA_68ec8e5e-a024-470b-8351-9c4f5dad4a25">3,363,022</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After two years to three years</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearThree" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzQtMi0xLTEtMA_0e605403-0e3e-4198-9d0a-0d83c679352c">1,299,461</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearThree" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzQtNC0xLTEtMA_3224bf09-eb2d-4b1e-8b1e-fca799db6c27">1,603,229</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After three years to four years</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearFour" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzUtMi0xLTEtMA_f0cb9b0b-f3c3-4026-a408-d67de92f339b">299,737</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearFour" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzUtNC0xLTEtMA_54b70571-5db5-4017-8f1f-d8af0691655e">553,911</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After four years to five years</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzYtMi0xLTEtMA_b46e1d05-12a6-48df-84f0-22ed0070d5b5">1,042,065</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzYtNC0xLTEtMA_db973f27-8893-43cc-b65b-89091c7dfdc3">300,346</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After five years</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TimeDepositMaturitiesAfterYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzctMi0xLTEtMA_b6e1f90a-d96b-4c88-a704-dcbe1930d5bb">47,413</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:TimeDepositMaturitiesAfterYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzctNC0xLTEtMA_e96787fd-6ef0-4f55-8eda-b34f60de7d4a">48,202</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TimeDeposits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzgtMi0xLTEtMA_b05904ab-f219-45f2-9f05-f6da41f788c1">9,394,001</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:TimeDeposits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90YWJsZTo1NTc1NTZmODkzNWI0ZjZhYjQyZDFkOGFmZDBjNmU1NC90YWJsZXJhbmdlOjU1NzU1NmY4OTM1YjRmNmFiNDJkMWQ4YWZkMGM2ZTU0XzgtNC0xLTEtMA_c979f2c1-ef4b-4f2f-ab05-031b238ebd95">11,597,266</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric><div style="margin-top:9pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021 and 2020, there were $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:TimeDepositsAtOrAboveFDICInsuranceLimit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzE3MDI_e48aa17c-7200-4889-8c84-87d57c2a9925">743</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-6" name="us-gaap:TimeDepositsAtOrAboveFDICInsuranceLimit" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzE3MTc_cf427d3e-ce46-4748-bfed-ba6fc13dabee">571</ix:nonFraction> million, respectively, of deposits exceeding FDIC insurance limits. Accrued interest on deposits was $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:InterestPayableCurrent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzE4MjE_fa6f014c-8195-4bb2-9178-7dc2fc732ad7">35</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-6" name="us-gaap:InterestPayableCurrent" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzE4MzY_4c60e7a9-536d-4ea7-b1cc-3eda8a7c71ad">50</ix:nonFraction> million at December 31, 2021 and 2020, respectively.</span></div></ix:continuation><div style="text-indent:22.5pt"><span><br/></span></div><div style="margin-bottom:12pt;text-align:justify"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-54  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_124"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="text-align:center"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">11.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:DebtDisclosureTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzkxNzA_865d6013-efd6-43b9-a8cd-7ac5532e479c" continuedAt="i62837e2f8f034bb5bfd8d07f057441c6" escape="true">Borrowings </ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="i62837e2f8f034bb5bfd8d07f057441c6" continuedAt="i188a556032b740759bfbdf7ef4937f84"><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Outstanding borrowings consist of unsecured debt and secured borrowings issued through our term ABS program and our Secured Borrowing Facility. The issuing entities for those secured borrowings are VIEs and are consolidated for accounting purposes. <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfDebtTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzkxNjk_fd512613-6463-4b6f-91f5-7d5e5dbb105b" continuedAt="i74b8ce50b749456b8003f6aeb64ae6da" escape="true">The following table summarizes our secured borrowings at December 31, 2021 and 2020. </ix:nonNumeric></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><ix:continuation id="i74b8ce50b749456b8003f6aeb64ae6da"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.583%"><tr><td style="width:1.0%"></td><td style="width:26.946%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.472%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.060%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.206%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.060%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.206%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.506%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unsecured borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib713529fe7eb4781aa1ee43e8ec61660_I20201231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzMtMTAtMS0xLTA_58ddb06e-7204-48d2-baa0-4330ecd2fb7a">692,879</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib713529fe7eb4781aa1ee43e8ec61660_I20201231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzMtMTItMS0xLTA_a1320919-6fc1-4eab-84dd-353b8006c8ae">692,879</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total unsecured borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i21b0926dd9b6472ab1207ad8739922c8_I20211231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzQtMi0xLTEtMA_f7e89158-60a8-4bd1-ac0e-1a7a0be6a650">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i21b0926dd9b6472ab1207ad8739922c8_I20211231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzQtNC0xLTEtMA_1411bd94-e098-4299-94ad-416d4ae01df3">986,138</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i21b0926dd9b6472ab1207ad8739922c8_I20211231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzQtNi0xLTEtMA_669370db-3d85-4bae-8b76-ea98d6f49f93">986,138</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib713529fe7eb4781aa1ee43e8ec61660_I20201231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzQtOC0xLTEtMA_d932cbac-8ad6-4f63-82d8-4c7ad95d75bf">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib713529fe7eb4781aa1ee43e8ec61660_I20201231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzQtMTAtMS0xLTA_a920b401-ed10-45d6-9d83-057588beae3c">692,879</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib713529fe7eb4781aa1ee43e8ec61660_I20201231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzQtMTItMS0xLTA_deabe1d9-d8c7-46dd-928d-482cb5076c7d">692,879</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Secured borrowings:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib341e7b9f13b48d99722a688ef028c6e_I20211231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzgtMi0xLTEtMA_7f168f78-1df7-4593-a5f1-8a68a0dc4055">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib341e7b9f13b48d99722a688ef028c6e_I20211231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzgtNC0xLTEtMA_ac8666d4-0416-4c04-9fea-7a6060040852">3,897,996</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib341e7b9f13b48d99722a688ef028c6e_I20211231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzgtNi0xLTEtMA_0a673fe7-88cd-4b2d-9422-c92a9107192e">3,897,996</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i393f09dc2acf4a368a85692991c2180e_I20201231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzgtOC0xLTEtMA_faa6b94b-44e3-4d98-9608-ad26fe84844b">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i393f09dc2acf4a368a85692991c2180e_I20201231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzgtMTAtMS0xLTA_5623c0d5-7501-4a78-95e2-367c36d2014f">3,261,233</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i393f09dc2acf4a368a85692991c2180e_I20201231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzgtMTItMS0xLTA_f596d6c0-1801-4874-9a1b-2867774ce7e4">3,261,233</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable-rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib3cfa50031974071a9d4f788681eb8ca_I20211231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzktMi0xLTEtMA_aeeb85c9-038a-42f8-b9ea-0d81748241f9">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib3cfa50031974071a9d4f788681eb8ca_I20211231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzktNC0xLTEtMA_15512920-8d72-4551-bb49-4a02a8ad4a99">1,046,856</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib3cfa50031974071a9d4f788681eb8ca_I20211231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzktNi0xLTEtMA_af97b663-ff68-4aa3-ba93-508f56e80fac">1,046,856</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8a0df19ec3bf46578c6a5d77bd1e5bfe_I20201231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzktOC0xLTEtMA_09956a13-4c9d-47c0-9ca2-e7f6dce46f1a">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8a0df19ec3bf46578c6a5d77bd1e5bfe_I20201231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzktMTAtMS0xLTA_ec765058-3709-4eff-ae3f-40cf63fe0be4">1,235,105</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8a0df19ec3bf46578c6a5d77bd1e5bfe_I20201231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzktMTItMS0xLTA_b8725249-ba6c-4404-9748-0063f6f5a05e">1,235,105</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loan term securitizations</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icec470cefd314df1999637bfb3ce159d_I20211231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzEwLTItMS0xLTA_58f1941a-5684-46ad-8bd4-8b8db0ca8971">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icec470cefd314df1999637bfb3ce159d_I20211231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzEwLTQtMS0xLTA_fbff9560-9af9-465c-b6d5-bab36510bdc5">4,944,852</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icec470cefd314df1999637bfb3ce159d_I20211231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzEwLTYtMS0xLTA_e3969912-ed37-461c-828a-ae173876322c">4,944,852</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i446ba2f6a1aa4a909bc0210a93732546_I20201231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzEwLTgtMS0xLTA_3b53d2ac-20ee-4958-9d75-795303070699">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i446ba2f6a1aa4a909bc0210a93732546_I20201231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzEwLTEwLTEtMS0w_202b7212-b1cc-433e-983a-365c12826411">4,496,338</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i446ba2f6a1aa4a909bc0210a93732546_I20201231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzEwLTEyLTEtMS0w_0551e843-a0a1-4cec-97c8-def9bc0682f5">4,496,338</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i71f6e68434ca4f8b8d1dd3b1cbcc67d7_I20211231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzExLTItMS0xLTA_55dcfa73-2643-41b0-a724-ff0fa216c5ba">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i71f6e68434ca4f8b8d1dd3b1cbcc67d7_I20211231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzExLTQtMS0xLTA_6d22d2fc-3b90-4760-9808-293b45c9ebe4">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i71f6e68434ca4f8b8d1dd3b1cbcc67d7_I20211231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzExLTYtMS0xLTA_caabd173-4517-4600-b9a9-750b42d2c5fe">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia57833b4a6134a80998af4105441fc32_I20201231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzExLTgtMS0xLTA_ad4dcf5e-4de8-46eb-bc4d-bfe4a2d033b0">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia57833b4a6134a80998af4105441fc32_I20201231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzExLTEwLTEtMS0w_8f63fd41-ef1d-479b-a5b2-b6e1541ba282">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia57833b4a6134a80998af4105441fc32_I20201231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzExLTEyLTEtMS0w_64e3f20d-8433-4725-b96d-4ac7d10b6a28">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total secured borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i979f757ed17f4113bc519a3513a4f04f_I20211231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzEyLTItMS0xLTA_b42297f8-ff34-4e49-a7a7-c8943aafa1ed">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i979f757ed17f4113bc519a3513a4f04f_I20211231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzEyLTQtMS0xLTA_8c4afefd-ba99-4cd0-9416-6ffdeab1d592">4,944,852</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i979f757ed17f4113bc519a3513a4f04f_I20211231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzEyLTYtMS0xLTA_4c38575a-5b30-4ff3-a87f-ba966aaa2a53">4,944,852</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6dc818d87a204673ae1f24186de9cc1f_I20201231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzEyLTgtMS0xLTA_bbed86a8-c7cc-4150-9ee4-6d75189e8992">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6dc818d87a204673ae1f24186de9cc1f_I20201231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzEyLTEwLTEtMS0w_10dc8faf-9b0b-4ab6-9eeb-766950e45f65">4,496,338</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6dc818d87a204673ae1f24186de9cc1f_I20201231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzEyLTEyLTEtMS0w_23b33f8a-51a7-46bc-9654-87c79706708d">4,496,338</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzE0LTItMS0xLTA_21449d3a-b600-4ec1-a6b7-69bd1b648326">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzE0LTQtMS0xLTA_819f5f5e-bb40-4651-b293-eb26a4654384">5,930,990</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzE0LTYtMS0xLTA_5884238c-82ad-461e-9034-5ef384f7ff79">5,930,990</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzE0LTEwLTEtMS0w_2599991f-fa7c-40b2-a605-ca2ad48b8f0c">5,189,217</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToxYzI0NzExMTgyYjE0MGY4YWI5ZmFhNjJmMTU1OTg1NS90YWJsZXJhbmdlOjFjMjQ3MTExODJiMTQwZjhhYjlmYWE2MmYxNTU5ODU1XzE0LTEyLTEtMS0w_a1526594-fb72-4497-9277-d331a28e997c">5,189,217</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></ix:continuation></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Short-term Borrowings</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On July 30, 2021, we amended our Secured Borrowing Facility to extend the maturity of the facility. The amount that can be borrowed under the facility is $<ix:nonFraction unitRef="usd" contextRef="i00a471f06f5d43bd9e3c1d26a3a9e623_I20210730" decimals="0" name="us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzU1OQ_fda1e695-0ec0-4cd4-ac76-da301a30ad40">2</ix:nonFraction> billion. We hold <ix:nonFraction unitRef="number" contextRef="i16dd967dc1854489848afbe754bfb0b5_D20210730-20210730" decimals="2" name="slm:OwnershipInterestPercentage" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzYyMQ_bc69aded-f0ba-4c79-8723-478bad22def4">100</ix:nonFraction> percent of the residual interest in the Secured Borrowing Facility trust.&#160;Under the Secured Borrowing Facility, we incur financing costs on unused borrowing capacity and on outstanding advances. The amended Secured Borrowing Facility extended the revolving period, during which we may borrow, repay, and reborrow funds, until May 17, 2022.&#160;The scheduled amortization period, during which amounts outstanding under the Secured Borrowing Facility must be repaid, ends on May 17, 2023 (or earlier, if certain material adverse events occur). At December 31, 2021, and December 31, 2020, there were <ix:nonFraction unitRef="usd" contextRef="i8e9725e77b80407a95c204d9cc5b30f5_I20211231" decimals="0" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEzNzY_a0c4bf08-05ad-49f5-abd4-392b3ddaa0f7"><ix:nonFraction unitRef="usd" contextRef="i6893069f457644d58c5128141d427a62_I20201231" decimals="0" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEzNzY_c9a91ae0-0cff-4ce9-8e0f-96fca9fd6683">no</ix:nonFraction></ix:nonFraction> secured borrowings outstanding under the Secured Borrowing Facility. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Short-term borrowings have a remaining term to maturity of one year or less. <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfShortTermDebtTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzkxNzg_77f6aa81-281d-4544-86be-570e35f878da" continuedAt="i40a838068bb24f77b8c3fae47ed34408" escape="true">The following table summarizes the outstanding short-term borrowings, the weighted average interest rates at the end of the period, and the related average balance and weighted average interest rates during the period. The Secured Borrowing Facility&#8217;s contractual maturity is <ix:nonNumeric contextRef="i32c3d09b48f14d288246e92d947be699_D20210101-20211231" name="slm:ContractualMaturity" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzIwMTA_8a5e8723-2946-4adc-8c89-df98c27aede8">two years</ix:nonNumeric> from the date of inception or renewal (one-year revolving period plus a one-year amortization period); however, we classify advances under our Secured Borrowing Facility as short-term borrowings because it is our intention to repay those advances within one year. The <ix:nonFraction unitRef="number" contextRef="ib070395fa03d4a77aa44d419c36348cb_I20211115" decimals="5" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM4NDgyOTA3Mzc5NTk_9ab16d9a-35d7-45f0-a12e-1ee2671694cb">5.125</ix:nonFraction> percent unsecured Senior Notes due April 5, 2022, which we redeemed in the fourth quarter of 2021, were classified as short-term borrowings in April of 2021, and are included in the table below. </ix:nonNumeric></span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-55</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.127%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.673%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">11.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Borrowings (Continued)</span></td></tr></table></div><div><span><br/></span></div></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><ix:continuation id="i188a556032b740759bfbdf7ef4937f84" continuedAt="i25fdae61e7ad486fb9631919b09b24b8"><ix:continuation id="i40a838068bb24f77b8c3fae47ed34408" continuedAt="if6f7cd5f75c94e6b9960e8ae63837c09"><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.305%"><tr><td style="width:1.0%"></td><td style="width:38.273%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.623%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.232%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.623%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.232%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.623%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.232%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.623%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.239%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended<br/>December 31, 2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Short-term borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9422a55a6cdf408cae6a916779179356_D20210101-20211231" decimals="-3" name="us-gaap:ShorttermDebtAverageOutstandingAmount" format="ixt:num-dot-decimal" scale="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:ShorttermDebtAverageOutstandingAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowZDYxMWFhZTA4NmU0NDJiOGEwY2EzOGY4NGFlM2YzNS90YWJsZXJhbmdlOjBkNjExYWFlMDg2ZTQ0MmI4YTBjYTM4Zjg0YWUzZjM1XzUtNi0xLTEtMzg2MDQ_cae79094-be33-45bf-93ef-deaefdc7200c">122,396</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 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style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Maximum outstanding at any month end</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowZDYxMWFhZTA4NmU0NDJiOGEwY2EzOGY4NGFlM2YzNS90YWJsZXJhbmdlOjBkNjExYWFlMDg2ZTQ0MmI4YTBjYTM4Zjg0YWUzZjM1XzQtMi0xLTEtMA_51103a98-26ed-4264-abe6-38dd0180acac">199,651</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr></table></div><div style="margin-top:9pt;padding-left:27pt;padding-right:27pt;text-align:center;text-indent:-4.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:83.750%"><tr><td style="width:1.0%"></td><td style="width:37.871%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.629%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.327%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.629%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.327%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.629%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.327%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.629%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.332%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended<br/>December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Short-term borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i25cac7a0eb2e4de6bc477b24108a4a08_I20201231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozNGZhZDc1MDBjOGM0NTI1YmQ4YzU3OTZlMjY2OTA0NS90YWJsZXJhbmdlOjM0ZmFkNzUwMGM4YzQ1MjViZDhjNTc5NmUyNjY5MDQ1XzMtMi0xLTEtMA_943e137c-1eb1-4a96-809a-366f777ae09f">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i25cac7a0eb2e4de6bc477b24108a4a08_I20201231" decimals="4" name="us-gaap:ShortTermDebtWeightedAverageInterestRate" format="ixt:fixed-zero" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozNGZhZDc1MDBjOGM0NTI1YmQ4YzU3OTZlMjY2OTA0NS90YWJsZXJhbmdlOjM0ZmFkNzUwMGM4YzQ1MjViZDhjNTc5NmUyNjY5MDQ1XzMtNC0xLTEtMA_d2fb3bae-8cdd-4634-9d9b-aa4e1a115a58">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i38ced9441622476ab30e1b5a29f20819_D20200101-20201231" decimals="-3" name="us-gaap:ShorttermDebtAverageOutstandingAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozNGZhZDc1MDBjOGM0NTI1YmQ4YzU3OTZlMjY2OTA0NS90YWJsZXJhbmdlOjM0ZmFkNzUwMGM4YzQ1MjViZDhjNTc5NmUyNjY5MDQ1XzMtNi0xLTEtMA_56b23187-3184-4b80-993c-eb422fe740ef">45,820</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i38ced9441622476ab30e1b5a29f20819_D20200101-20201231" decimals="4" name="us-gaap:DebtInstrumentInterestRateDuringPeriod" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozNGZhZDc1MDBjOGM0NTI1YmQ4YzU3OTZlMjY2OTA0NS90YWJsZXJhbmdlOjM0ZmFkNzUwMGM4YzQ1MjViZDhjNTc5NmUyNjY5MDQ1XzMtOC0xLTEtMA_b72947cd-7962-4cac-b006-eebb065ae669">24.99</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Maximum outstanding at any month end</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozNGZhZDc1MDBjOGM0NTI1YmQ4YzU3OTZlMjY2OTA0NS90YWJsZXJhbmdlOjM0ZmFkNzUwMGM4YzQ1MjViZDhjNTc5NmUyNjY5MDQ1XzQtMi0xLTEtMA_e9ac0c57-7f45-433e-8f14-faf314df183f">289,230</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div></ix:continuation><div style="padding-left:54pt;padding-right:27pt;text-indent:-4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"><ix:continuation id="if6f7cd5f75c94e6b9960e8ae63837c09" continuedAt="i08d7dc5956e6472c91561f72d4091b58">(1)</ix:continuation></span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:continuation id="i08d7dc5956e6472c91561f72d4091b58">The interest for the non-use fees is calculated based on the Secured Borrowing Facility&#8217;s maximum borrowing limit, which was $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-8" name="us-gaap:LineOfCreditFacilityIncreaseDecreaseForPeriodNet" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzI0MzQ_9fe44887-e736-403c-9e50-22c9a9ce7c0c"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-8" name="us-gaap:LineOfCreditFacilityIncreaseDecreaseForPeriodNet" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzI0MzQ_db018a46-19e5-4850-92e3-39860c7e1d76">2</ix:nonFraction></ix:nonFraction>&#160;billion in both 2021 and 2020.</ix:continuation> </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Long-term Borrowings</span></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Unsecured Debt</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 15, 2021, we redeemed our $<ix:nonFraction unitRef="usd" contextRef="ib070395fa03d4a77aa44d419c36348cb_I20211115" decimals="0" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzI1NDk_d3aa86dc-1f8a-4d02-a276-663e8979fe76">200</ix:nonFraction> million, <ix:nonFraction unitRef="number" contextRef="ib070395fa03d4a77aa44d419c36348cb_I20211115" decimals="5" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzI1NTU_29f3cc1c-9e90-4f54-babd-c4378394b515">5.125</ix:nonFraction> percent Senior Notes due April 5, 2022. The Senior Notes were redeemed at <ix:nonFraction unitRef="number" contextRef="iad61cd1a4c63464fb94137fa439aae5e_D20211115-20211115" decimals="4" name="us-gaap:DebtInstrumentRedemptionPricePercentage" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM4NDgyOTA3MzUyMTY_2dfcd3a6-020e-47fa-b4f9-58a15d41ab17">101.39</ix:nonFraction> percent of their principal amount, plus the accrued and unpaid interest thereon through the redemption date. As a result of the redemption, we recognized a $<ix:nonFraction unitRef="usd" contextRef="iad61cd1a4c63464fb94137fa439aae5e_D20211115-20211115" decimals="-6" sign="-" name="us-gaap:GainsLossesOnExtinguishmentOfDebt" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzQzOTgwNDY1NDkwODA_e0418b78-076d-4777-b9f8-57327756bfbd">3</ix:nonFraction>&#160;million loss on the transaction. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On October 29, 2020, we issued at par an unsecured debt offering of $<ix:nonFraction unitRef="usd" contextRef="ida5a5814ea5f4e21b987f06c04e57117_I20201029" decimals="0" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzI3MTI_576b9b12-fc0a-4cc9-a4c6-9534fac41fde">500</ix:nonFraction>&#160;million of <ix:nonFraction unitRef="number" contextRef="ida5a5814ea5f4e21b987f06c04e57117_I20201029" decimals="4" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzI3MTg_de2557ae-0df9-4d9e-8d5b-da9a4a8abf27">4.20</ix:nonFraction> percent Senior Notes due October 29, 2025. At December 31, 2021, the outstanding balance was $<ix:nonFraction unitRef="usd" contextRef="i076f6ec40626441998984bb9a5b116a2_I20211231" decimals="0" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzI4MDY_e05ab112-9339-4c89-b8df-377e6b673a0c">495</ix:nonFraction>&#160;million.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 1, 2021, we issued an unsecured debt offering of $<ix:nonFraction unitRef="usd" contextRef="i0cf9404135934edbbe32748e50b747c9_I20211101" decimals="0" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDQxODQ_b96e1ee0-aae6-4673-902e-551ba751bcee">500</ix:nonFraction>&#160;million, <ix:nonFraction unitRef="number" contextRef="i0cf9404135934edbbe32748e50b747c9_I20211101" decimals="5" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDQyMDA_c2120211-036e-4cd5-89cc-c26503155614">3.125</ix:nonFraction> percent Senior Notes due November 2, 2026, at a price of <ix:nonFraction unitRef="number" contextRef="id35b55ab5add464fb64582dee4864045_D20211101-20211101" decimals="4" name="slm:DebtInstrumentIssuancePricePercentage" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NjYxMjY_b517fd48-b42f-4438-8fef-5148c5f32bea">99.43</ix:nonFraction> percent. At December 31, 2021, the outstanding balance was $<ix:nonFraction unitRef="usd" contextRef="i40dea8a1cbcd4affb6edf183b0a4d640_I20211231" decimals="0" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDYxNzA_7d2413b0-1eda-4d3c-8072-f368a6791c17">491</ix:nonFraction>&#160;million.</span></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Secured Financings</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2021 Transactions</span></div><div style="margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On May 19, 2021, we executed our $<ix:nonFraction unitRef="usd" contextRef="i28669d063ba1403a9d80cacd2b2b206c_I20210519" decimals="-6" name="us-gaap:PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc2ODQ_1ffb0d2c-916a-418e-9475-8a27206f3e80">531</ix:nonFraction>&#160;million SMB Private Education Loan Trust 2021-B term ABS transaction, which was accounted for as a secured financing. We sold $<ix:nonFraction unitRef="usd" contextRef="i28669d063ba1403a9d80cacd2b2b206c_I20210519" decimals="-6" name="us-gaap:ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc3MDE_40ac18ae-4468-4cae-b9e1-52d4b8580dbb">531</ix:nonFraction>&#160;million of notes to third-parties and retained a <ix:nonFraction unitRef="number" contextRef="i28669d063ba1403a9d80cacd2b2b206c_I20210519" decimals="2" name="slm:LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc3MzQ_0848330d-16ea-4ed7-a61c-2f6ec2e2ea56">100</ix:nonFraction> percent interest in the residual certificates issued in the securitization, raising approximately $<ix:nonFraction unitRef="usd" contextRef="i5a315ae432374fa3964a4840521b7776_D20210519-20210519" decimals="-6" name="us-gaap:ProceedsFromIssuanceOfUnsecuredDebt" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc3MTg_34b4ae90-8733-4711-9812-7aa9627f003f">529</ix:nonFraction>&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of <ix:nonNumeric contextRef="i5a315ae432374fa3964a4840521b7776_D20210519-20210519" name="slm:EstimatedWeightedAverageLifeOfStudentLoans" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc4Nzg_e3b9ce22-7e1b-45bf-8c03-64e2bfcb89cf">4.26</ix:nonNumeric> years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus <ix:nonFraction unitRef="number" contextRef="i7b29af5ab4a043bba95d15f7d606f3c5_D20210519-20210519" decimals="4" name="us-gaap:DebtInstrumentBasisSpreadOnVariableRate1" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc3Njk_3ae729c3-1d98-444d-9e28-bd715a950d80">0.77</ix:nonFraction> percent. At December 31, 2021, $<ix:nonFraction unitRef="usd" contextRef="i9000710e65bb4fc2b6c7e2d8be14440a_I20211231" decimals="-6" name="us-gaap:LoansPledgedAsCollateral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc4Mjk_40ee6d9a-0766-483b-b628-8cef61361b04">496</ix:nonFraction>&#160;million of our Private Education Loans, including $<ix:nonFraction unitRef="usd" contextRef="i9000710e65bb4fc2b6c7e2d8be14440a_I20211231" decimals="-6" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc4NjI_455d3a15-751c-4d78-9702-14ee92bc3c77">467</ix:nonFraction>&#160;million of principal and $<ix:nonFraction unitRef="usd" contextRef="i9000710e65bb4fc2b6c7e2d8be14440a_I20211231" decimals="-6" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc4NDY_de2a3f1c-aba8-4a87-bd86-ebb9ea984713">29</ix:nonFraction>&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On August 18, 2021, we executed our $<ix:nonFraction unitRef="usd" contextRef="i8c9a968988b04db984c75f282f69adc0_I20210818" decimals="-6" name="us-gaap:PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc4OTk_ada91aa6-7c52-4065-aad1-90bab58c5de7">527</ix:nonFraction>&#160;million SMB Private Education Loan Trust 2021-D term ABS transaction, which was accounted for as a secured financing. We sold $<ix:nonFraction unitRef="usd" contextRef="i8c9a968988b04db984c75f282f69adc0_I20210818" decimals="-6" name="us-gaap:ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc5MTY_a566f9c7-7aab-4c0d-b80c-c2b0e514f9d7">527</ix:nonFraction>&#160;million of notes to third-parties and retained a <ix:nonFraction unitRef="number" contextRef="i8c9a968988b04db984c75f282f69adc0_I20210818" decimals="2" name="slm:LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc3NTM_5c43d6cc-3391-481a-8dfe-b781fcf20602">100</ix:nonFraction> percent interest in the residual certificates issued in the securitization, raising approximately $<ix:nonFraction unitRef="usd" contextRef="i5fa2913d16134434b6e64c90f2ca7bc6_D20210818-20210818" decimals="-6" name="us-gaap:ProceedsFromIssuanceOfUnsecuredDebt" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc5MzM_56a6a8f3-77d7-4590-a03a-974dfc757ab9">525</ix:nonFraction>&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of <ix:nonNumeric contextRef="i5fa2913d16134434b6e64c90f2ca7bc6_D20210818-20210818" name="slm:EstimatedWeightedAverageLifeOfStudentLoans" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc5NTA_721e5049-d85b-44d3-bb99-afb2bd37209f">4.22</ix:nonNumeric> years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus <ix:nonFraction unitRef="number" contextRef="i9654d52119da43a6ad30d758ac3423c7_D20210818-20210818" decimals="4" name="us-gaap:DebtInstrumentBasisSpreadOnVariableRate1" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc3ODk_62226f03-7788-45c8-97c9-35a180752ada">0.69</ix:nonFraction> percent. At December 31, 2021, $<ix:nonFraction unitRef="usd" contextRef="i9ca00790c89b4e02b0c411ad789e1c74_I20211231" decimals="-6" name="us-gaap:LoansPledgedAsCollateral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NDc5OTM_a70fe62e-5173-4d5a-869e-7fe425b77809">515</ix:nonFraction>&#160;million of our Private Education Loans, including $<ix:nonFraction unitRef="usd" contextRef="i9ca00790c89b4e02b0c411ad789e1c74_I20211231" decimals="-6" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTA0OTU_4aa2db68-2d05-48cb-bfce-ce5f737c960c">485</ix:nonFraction>&#160;million of principal and $<ix:nonFraction unitRef="usd" contextRef="i9ca00790c89b4e02b0c411ad789e1c74_I20211231" decimals="-6" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTA1MTM_8ad90ca9-d1b3-4015-bc14-5435aa04ec1c">30</ix:nonFraction>&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-bottom:6pt;margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 9, 2021, we executed our $<ix:nonFraction unitRef="usd" contextRef="ib771f8d0681e47efb0d76f7e123e2282_I20211109" decimals="-6" name="us-gaap:PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTI1MzE_fee403fd-7f4b-42f0-b765-125a12b70474">534</ix:nonFraction>&#160;million SMB Private Education Loan Trust 2021-E term ABS transaction, which was accounted for as a secured financing. We sold $<ix:nonFraction unitRef="usd" contextRef="ib771f8d0681e47efb0d76f7e123e2282_I20211109" decimals="-6" name="us-gaap:ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTI1NTU_a7069877-495d-48a9-b54b-448cd61727f1">534</ix:nonFraction>&#160;million of notes to third-parties and retained a <ix:nonFraction unitRef="number" contextRef="ib771f8d0681e47efb0d76f7e123e2282_I20211109" decimals="2" name="slm:LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTI1NzE_0944e61d-2789-4c25-83fe-aa4892903281">100</ix:nonFraction> percent interest in the residual certificates issued in the securitization, raising approximately $<ix:nonFraction unitRef="usd" contextRef="i39fdbab333594986ab0166d76f7d5f54_D20211109-20211109" decimals="-6" name="us-gaap:ProceedsFromIssuanceOfUnsecuredDebt" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTI1OTA_d4dac25e-a623-4762-8a26-f06f429f8084">532</ix:nonFraction>&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of <ix:nonNumeric contextRef="i39fdbab333594986ab0166d76f7d5f54_D20211109-20211109" name="slm:EstimatedWeightedAverageLifeOfStudentLoans" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTI2MDg_794d4c4d-e347-4f71-bf86-ea49122d71eb">4.15</ix:nonNumeric> years and priced at a weighted average </span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-56  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.127%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.673%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">11.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Borrowings (Continued)</span></td></tr></table></div><div><span><br/></span></div></div><ix:continuation id="i25fdae61e7ad486fb9631919b09b24b8" continuedAt="i94e20cf3896c41db84bc78e73e5e516f"><div style="margin-bottom:6pt;margin-top:8pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">LIBOR equivalent cost of 1-month LIBOR plus <ix:nonFraction unitRef="number" contextRef="i5247e8c686134c6fb4e5b793bc17b991_D20211109-20211109" decimals="4" name="us-gaap:DebtInstrumentBasisSpreadOnVariableRate1" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTI2Mjg_a03369a8-ff4d-492b-8b2d-b7c90367c4e8">0.69</ix:nonFraction> percent. At December 31, 2021, $<ix:nonFraction unitRef="usd" contextRef="if145696ecfc74d8d845f83604bc16cc3_I20211231" decimals="-6" name="us-gaap:LoansPledgedAsCollateral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTI2NTE_21a9b9db-87ad-4c0b-8b44-978b136287ba">533</ix:nonFraction>&#160;million of our Private Education Loans, including $<ix:nonFraction unitRef="usd" contextRef="if145696ecfc74d8d845f83604bc16cc3_I20211231" decimals="-6" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTI2ODc_f6f418c2-b133-4300-ade7-0a237eed8bed">502</ix:nonFraction>&#160;million of principal and $<ix:nonFraction unitRef="usd" contextRef="if145696ecfc74d8d845f83604bc16cc3_I20211231" decimals="-6" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTI2Njk_3c4bd809-c6f3-4bd9-a7a5-324ae42fa863">31</ix:nonFraction>&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-bottom:6pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2020 Transactions</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 12, 2020, we executed our $<ix:nonFraction unitRef="usd" contextRef="i6bc8d9e3cd4e49e7918806a1253c3d9c_I20200212" decimals="-6" name="us-gaap:PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzI4ODU_83eccae6-fb8c-4ff6-ad8f-1275701eb169">636</ix:nonFraction>&#160;million SMB Private Education Loan Trust 2020-A term ABS transaction, which was accounted for as a secured financing. We sold $<ix:nonFraction unitRef="usd" contextRef="i6bc8d9e3cd4e49e7918806a1253c3d9c_I20200212" decimals="-6" name="us-gaap:ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzMwMDY_001b7756-d110-4e2a-b517-ed7934fbe4fd">636</ix:nonFraction>&#160;million of notes to third-parties and retained a <ix:nonFraction unitRef="number" contextRef="i6bc8d9e3cd4e49e7918806a1253c3d9c_I20200212" decimals="2" name="slm:LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzMwNTA_f7d4c027-2e80-4174-b9e7-1ccc6e9c758d">100</ix:nonFraction> percent interest in the residual certificates issued in the securitization, raising approximately $<ix:nonFraction unitRef="usd" contextRef="i3d49db030ebe4b7bbb66315ec1b73c4a_D20200212-20200212" decimals="-6" name="us-gaap:ProceedsFromIssuanceOfUnsecuredDebt" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzMxNDM_658c583e-cdf5-4b66-8e33-bdb78fbf7027">634</ix:nonFraction>&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of <ix:nonNumeric contextRef="i3d49db030ebe4b7bbb66315ec1b73c4a_D20200212-20200212" name="slm:EstimatedWeightedAverageLifeOfStudentLoans" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzMyMjY_cee65e79-aa6a-4c57-97c8-99593e9d80dd">4.18</ix:nonNumeric> years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus <ix:nonFraction unitRef="number" contextRef="i9b7502b248484102b2293dee2a8c62bd_D20200212-20200212" decimals="4" name="us-gaap:DebtInstrumentBasisSpreadOnVariableRate1" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzMzMTI_3b842c43-138d-4574-b21e-c668e1e84065">0.88</ix:nonFraction> percent. At December 31, 2021, $<ix:nonFraction unitRef="usd" contextRef="id68b883804e4403d89e8fe4e46359593_I20211231" decimals="-6" name="us-gaap:LoansPledgedAsCollateral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzMzMzg_b4d3d9b2-a291-4265-b5bf-f87036ded3a9">496</ix:nonFraction>&#160;million of our Private Education Loans, including $<ix:nonFraction unitRef="usd" contextRef="id68b883804e4403d89e8fe4e46359593_I20211231" decimals="-6" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzMzODM_06094929-6086-4802-814e-0cdacd98bba1">469</ix:nonFraction>&#160;million of principal and $<ix:nonFraction unitRef="usd" contextRef="id68b883804e4403d89e8fe4e46359593_I20211231" decimals="-6" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM0MDM_3563913d-863f-4312-9856-6887574c8469">27</ix:nonFraction>&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On August 12, 2020, we executed our $<ix:nonFraction unitRef="usd" contextRef="i9855da8ce63c4ff4b5f4a73bb7ae5d6b_I20200812" decimals="-6" name="us-gaap:PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM1MTI_dfa87a1a-08a1-45be-9e41-1bc8ea43c468">707</ix:nonFraction>&#160;million SMB Private Education Loan Trust 2020-B term ABS transaction, which was accounted for as a secured financing. We sold $<ix:nonFraction unitRef="usd" contextRef="i9855da8ce63c4ff4b5f4a73bb7ae5d6b_I20200812" decimals="-6" name="us-gaap:ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM2MzM_e2e7569e-9f20-4d07-9617-46f701287717">707</ix:nonFraction>&#160;million of notes to third-parties and retained a <ix:nonFraction unitRef="number" contextRef="i9855da8ce63c4ff4b5f4a73bb7ae5d6b_I20200812" decimals="2" name="slm:LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM2Nzc_6e557511-fad3-42c8-a167-08e557d2a2b9">100</ix:nonFraction> percent interest in the residual certificates issued in the securitization, raising approximately $<ix:nonFraction unitRef="usd" contextRef="i006658aa050745d4b53d1491a1c486c9_D20200812-20200812" decimals="-6" name="us-gaap:ProceedsFromIssuanceOfUnsecuredDebt" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM3NzA_3d74c35c-d011-4e42-b555-43203e900ce2">705</ix:nonFraction>&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of <ix:nonNumeric contextRef="i006658aa050745d4b53d1491a1c486c9_D20200812-20200812" name="slm:EstimatedWeightedAverageLifeOfStudentLoans" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM4NTM_68dee2ca-a898-4a11-87b9-d9566f170933">4.14</ix:nonNumeric> years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus <ix:nonFraction unitRef="number" contextRef="id644d44da35f400492e5ef02883f9b44_D20200812-20200812" decimals="3" name="us-gaap:DebtInstrumentBasisSpreadOnVariableRate1" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM5Mzk_4782083f-0628-4d8e-a310-cbd4d2db1c59">1.30</ix:nonFraction> percent. At December 31, 2021, $<ix:nonFraction unitRef="usd" contextRef="i5b030bb2656c43469112cc9b30e9b40e_I20211231" decimals="-6" name="us-gaap:LoansPledgedAsCollateral" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM5NjU_aa81efe2-1859-48b6-a4dc-5094d9d5bd83">615</ix:nonFraction>&#160;million of our Private Education Loans, including $<ix:nonFraction unitRef="usd" contextRef="i5b030bb2656c43469112cc9b30e9b40e_I20211231" decimals="-6" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzQwMTA_61db0741-577f-49f2-b01b-0c8ce00dda6c">581</ix:nonFraction>&#160;million of principal and $<ix:nonFraction unitRef="usd" contextRef="i5b030bb2656c43469112cc9b30e9b40e_I20211231" decimals="-6" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzQwMzA_8c06a0ad-d3a9-41fd-97b9-45aeefb95bd7">34</ix:nonFraction>&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Pre-2020 Transactions</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to 2020, we executed a total of $<ix:nonFraction unitRef="usd" contextRef="ieac0d693904f4e23b3cbb2a272034cd9_I20191231" decimals="-8" name="us-gaap:PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzU0MzE_4e9c16eb-b451-4670-be1c-870fdc7ed14f">6.9</ix:nonFraction> billion in ABS transactions that were accounted for as secured financings. At December 31, 2021, $<ix:nonFraction unitRef="usd" contextRef="id49dd11d3ab5458692b10a10ff52fd50_I20211231" decimals="-8" name="us-gaap:PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzU1MjM_91d3d33b-4715-4cf7-92c4-204786110689">3.6</ix:nonFraction> billion of our Private Education Loans, including $<ix:nonFraction unitRef="usd" contextRef="id49dd11d3ab5458692b10a10ff52fd50_I20211231" decimals="-8" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzU1Njg_f894eb6b-691c-4f23-99d2-e33312f3f825">3.5</ix:nonFraction> billion of principal and $<ix:nonFraction unitRef="usd" contextRef="id49dd11d3ab5458692b10a10ff52fd50_I20211231" decimals="-6" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzU1ODg_6dd7ec01-87e5-4461-9a9d-3171399816d9">141</ix:nonFraction> million in capitalized interest, were encumbered as a result of these transactions.  </span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfDebtInstrumentsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzkxNTk_afbb6957-7b45-461e-97a3-9cb608c15ce9" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the outstanding long-term borrowings, the weighted average interest rates at the end of the period and the related average balance during the period. Rates reflect stated interest of borrowings and related discounts and premiums. The long-term borrowings amortize over time and mature serially from 2025 to 2053. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.638%"><tr><td style="width:1.0%"></td><td style="width:25.365%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.592%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.468%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.592%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.676%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.592%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.468%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.543%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.468%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.592%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.676%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.592%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.476%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended<br/>December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended<br/>December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Balance</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Floating-rate borrowings</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" 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style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib23a9e1838d14a588454b65278c4047f_D20210101-20211231" decimals="-3" name="slm:LongTermDebtWeightedAverageOutstandingBalance" format="ixt:num-dot-decimal" scale="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i571953e624e4436b8797ff8f594980cf_I20201231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNzU5ODIxMTg5NjI0NzdmODI0M2Y2NGVjNWEzYTNjMi90YWJsZXJhbmdlOmQ3NTk4MjExODk2MjQ3N2Y4MjQzZjY0ZWM1YTNhM2MyXzItOC0xLTEtMA_cc6c1a41-558e-4180-b7bd-cec46125fd0f">1,235,105</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 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style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iefae824754524ca986e2152b388d72a2_D20200101-20201231" decimals="-3" name="slm:LongTermDebtWeightedAverageOutstandingBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNzU5ODIxMTg5NjI0NzdmODI0M2Y2NGVjNWEzYTNjMi90YWJsZXJhbmdlOmQ3NTk4MjExODk2MjQ3N2Y4MjQzZjY0ZWM1YTNhM2MyXzItMTItMS0xLTA_07b7e5c5-55f6-46b9-86df-d7384484375b">1,432,446</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iad0e9c070b8b4f5795d874993b631037_I20211231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNzU5ODIxMTg5NjI0NzdmODI0M2Y2NGVjNWEzYTNjMi90YWJsZXJhbmdlOmQ3NTk4MjExODk2MjQ3N2Y4MjQzZjY0ZWM1YTNhM2MyXzMtMi0xLTEtMA_f76162f8-bc0e-445f-87c5-d3684fcb6ea5">4,884,133</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="iad0e9c070b8b4f5795d874993b631037_I20211231" decimals="4" name="us-gaap:LongtermDebtWeightedAverageInterestRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNzU5ODIxMTg5NjI0NzdmODI0M2Y2NGVjNWEzYTNjMi90YWJsZXJhbmdlOmQ3NTk4MjExODk2MjQ3N2Y4MjQzZjY0ZWM1YTNhM2MyXzMtNC0xLTEtMA_4565578c-b4a3-44f4-8b36-c7e78c2b3f0a">2.65</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i6b9d96530aae422eb2d4d61e4f8804a5_I20201231" decimals="4" name="us-gaap:LongtermDebtWeightedAverageInterestRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNzU5ODIxMTg5NjI0NzdmODI0M2Y2NGVjNWEzYTNjMi90YWJsZXJhbmdlOmQ3NTk4MjExODk2MjQ3N2Y4MjQzZjY0ZWM1YTNhM2MyXzMtMTAtMS0xLTA_5c280609-0a4d-41fa-84d8-4bfd2dab9120">3.08</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9d40442c48be482aa47f01898a63a5ac_D20200101-20201231" decimals="-3" name="slm:LongTermDebtWeightedAverageOutstandingBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNzU5ODIxMTg5NjI0NzdmODI0M2Y2NGVjNWEzYTNjMi90YWJsZXJhbmdlOmQ3NTk4MjExODk2MjQ3N2Y4MjQzZjY0ZWM1YTNhM2MyXzMtMTItMS0xLTA_a9f25359-e638-4cff-b4b8-cf7cc8e9c1b0">3,316,425</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total long-term borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNzU5ODIxMTg5NjI0NzdmODI0M2Y2NGVjNWEzYTNjMi90YWJsZXJhbmdlOmQ3NTk4MjExODk2MjQ3N2Y4MjQzZjY0ZWM1YTNhM2MyXzQtMi0xLTEtMA_9f091601-efef-45d1-94c3-0f2a41d6ea12">5,930,990</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="4" name="us-gaap:LongtermDebtWeightedAverageInterestRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNzU5ODIxMTg5NjI0NzdmODI0M2Y2NGVjNWEzYTNjMi90YWJsZXJhbmdlOmQ3NTk4MjExODk2MjQ3N2Y4MjQzZjY0ZWM1YTNhM2MyXzQtNC0xLTEtMA_fe1a291b-be74-4653-bd22-2acb6af5c997">2.37</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:LongTermDebtWeightedAverageOutstandingBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNzU5ODIxMTg5NjI0NzdmODI0M2Y2NGVjNWEzYTNjMi90YWJsZXJhbmdlOmQ3NTk4MjExODk2MjQ3N2Y4MjQzZjY0ZWM1YTNhM2MyXzQtNi0xLTEtMA_13f77783-e669-4686-8a4c-d0f6b80e6a27">5,167,682</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNzU5ODIxMTg5NjI0NzdmODI0M2Y2NGVjNWEzYTNjMi90YWJsZXJhbmdlOmQ3NTk4MjExODk2MjQ3N2Y4MjQzZjY0ZWM1YTNhM2MyXzQtOC0xLTEtMA_26f87b8a-01f4-401c-8731-2edc50814994">5,189,217</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="4" name="us-gaap:LongtermDebtWeightedAverageInterestRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNzU5ODIxMTg5NjI0NzdmODI0M2Y2NGVjNWEzYTNjMi90YWJsZXJhbmdlOmQ3NTk4MjExODk2MjQ3N2Y4MjQzZjY0ZWM1YTNhM2MyXzQtMTAtMS0xLTA_1ff1f6df-d996-4846-bd7e-a69bfa1e62b9">2.60</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="slm:LongTermDebtWeightedAverageOutstandingBalance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNzU5ODIxMTg5NjI0NzdmODI0M2Y2NGVjNWEzYTNjMi90YWJsZXJhbmdlOmQ3NTk4MjExODk2MjQ3N2Y4MjQzZjY0ZWM1YTNhM2MyXzQtMTItMS0xLTA_4c10ef9a-2b41-4efe-bf5a-e982f470578f">4,748,871</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-57</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.127%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.673%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">11.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Borrowings (Continued)</span></td></tr></table></div><div><span><br/></span></div></div><div><span><br/></span></div><ix:continuation id="i94e20cf3896c41db84bc78e73e5e516f" continuedAt="ibd571f51135c475a943b266919623c31"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzkxNjI_cef5304a-1ce6-478d-8ce2-ba754947d769" escape="true"><div style="text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, the stated maturity and maturity to call date of our brokered deposits and borrowings are summarized below. </span></div><div><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:13.483%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.205%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.594%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.883%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.066%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.205%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Stated Maturity</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Maturity to Call Date</span></td></tr><tr style="height:23pt"><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Brokered Deposits</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unsecured Debt</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Secured Borrowings</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Brokered Deposits</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unsecured Debt</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Secured Borrowings</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year of Maturity</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" 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style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i95bb280b6ede470586edb64156991e93_I20211231" decimals="-3" name="slm:LongTermDebtMaturityToCallDateRepaymentsOfPrincipalInYearOne" format="ixt:num-dot-decimal" scale="3" 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0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i21b0926dd9b6472ab1207ad8739922c8_I20211231" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzgtMy0xLTEtMA_51e4477e-7b8a-4110-bf16-ce696122abb8">500,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i38bb47dac7a54e27a4fde3186165b419_I20211231" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzgtNS0xLTEtMA_5c002e36-7096-4496-88dc-fbe5850f885c">618,380</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzgtNy0xLTEtMA_a2213997-56e0-483a-ab18-8e7a4c99d836">2,151,693</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i38bb47dac7a54e27a4fde3186165b419_I20211231" decimals="-3" name="slm:LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzgtMTMtMS0xLTA_1fff9b69-86a7-4468-81ba-1e5d6863a4f7">618,380</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzgtMTUtMS0xLTA_ed6b6602-89cd-4e87-9f49-3be7ae9d1977">2,151,693</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzktMS0xLTEtMA_b2c21cd8-c87c-4212-94ab-7080f699d4bd">47,401</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i21b0926dd9b6472ab1207ad8739922c8_I20211231" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzktMy0xLTEtMA_70193fba-a595-400f-90d7-9e916d73ec7f">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i38bb47dac7a54e27a4fde3186165b419_I20211231" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzktNS0xLTEtMA_7ae22d3b-f299-4aae-81a8-7d17f8af8e61">1,750,502</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzktNy0xLTEtMA_81445aec-6878-4a4a-a8c3-fc6206ab022d">1,797,903</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i95bb280b6ede470586edb64156991e93_I20211231" decimals="-3" name="slm:LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzktOS0xLTEtMA_1e88b8a4-c836-42eb-8cf5-3fd1bc80d570">47,401</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i21b0926dd9b6472ab1207ad8739922c8_I20211231" decimals="-3" name="slm:LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzktMTEtMS0xLTA_94a3642e-97a9-4564-904b-97d7d08dbbf0">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i38bb47dac7a54e27a4fde3186165b419_I20211231" decimals="-3" name="slm:LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzktMTMtMS0xLTA_527ffbc8-9391-43ad-bea9-54e7594644d6">1,750,502</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzktMTUtMS0xLTA_07cb22d2-4e55-430b-8f76-2a5295c60cb0">1,797,903</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i95bb280b6ede470586edb64156991e93_I20211231" decimals="-3" name="slm:DebtInstrumentFaceAmountMaturityToCallDate" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzEwLTEtMS0xLTA_051ee207-0655-472d-9243-52ed9c40171b">7,539,574</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i21b0926dd9b6472ab1207ad8739922c8_I20211231" decimals="-3" name="slm:DebtInstrumentFaceAmountMaturityToCallDate" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzEwLTMtMS0xLTA_4254729d-67c6-4ae2-9d32-6d8dbe4caca5">1,000,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i38bb47dac7a54e27a4fde3186165b419_I20211231" decimals="-3" name="slm:DebtInstrumentFaceAmountMaturityToCallDate" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzEwLTUtMS0xLTA_b873164d-92c5-4a6f-913a-cf3950f47318">5,121,028</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:DebtInstrumentFaceAmountMaturityToCallDate" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzEwLTctMS0xLTA_e0feb1bb-41c9-4a98-a629-3ca9bb2aa7bc">13,660,602</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i95bb280b6ede470586edb64156991e93_I20211231" decimals="-3" name="slm:DebtInstrumentFaceAmountMaturityToCallDate" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzEwLTktMS0xLTA_1a3cf74f-a7be-4e3f-80ea-7908ff6f2f99">7,539,574</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i21b0926dd9b6472ab1207ad8739922c8_I20211231" decimals="-3" name="slm:DebtInstrumentFaceAmountMaturityToCallDate" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzEwLTExLTEtMS0w_549dfb03-f440-4a78-b818-051f0a307af5">1,000,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i38bb47dac7a54e27a4fde3186165b419_I20211231" decimals="-3" name="slm:DebtInstrumentFaceAmountMaturityToCallDate" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzEwLTEzLTEtMS0w_f0d20bc2-a4b1-4aa3-a37a-338b1602d347">5,121,028</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:DebtInstrumentFaceAmountMaturityToCallDate" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzEwLTE1LTEtMS0w_95ce2091-b3b4-4d2d-8bb9-fc9bc3d3e8e1">13,660,602</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Hedge accounting adjustments</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i95bb280b6ede470586edb64156991e93_I20211231" decimals="-3" name="slm:HedgeAccountingAdjustment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzExLTEtMS0xLTA_18cf6cb7-bde0-45d5-9bd6-2fff9a23a158">33,426</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i21b0926dd9b6472ab1207ad8739922c8_I20211231" decimals="-3" name="slm:HedgeAccountingAdjustment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzExLTMtMS0xLTA_d38ddaff-cb9c-4399-ba50-2bff1c4fbb14">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i38bb47dac7a54e27a4fde3186165b419_I20211231" decimals="-3" name="slm:HedgeAccountingAdjustment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzExLTUtMS0xLTA_2d090682-2fc4-4309-a364-691e287327e0">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:HedgeAccountingAdjustment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzExLTctMS0xLTA_bc5158bf-71ca-48a7-89f5-5827f8d93b25">33,426</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i95bb280b6ede470586edb64156991e93_I20211231" decimals="-3" name="slm:HedgeAccountingAdjustment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzExLTktMS0xLTA_4e428b2e-99db-47e4-8a0f-3f4baa3ed723">33,426</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i21b0926dd9b6472ab1207ad8739922c8_I20211231" decimals="-3" name="slm:HedgeAccountingAdjustment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzExLTExLTEtMS0w_54f4a482-f0f2-464d-a7dd-9c4faa5b8ba7">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i38bb47dac7a54e27a4fde3186165b419_I20211231" decimals="-3" name="slm:HedgeAccountingAdjustment" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzExLTEzLTEtMS0w_eeddd6fe-e543-4ea3-85ed-d2deb455b2de">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:HedgeAccountingAdjustment" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzExLTE1LTEtMS0w_03888fe4-9375-4bff-8452-148a5bbc7771">33,426</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i95bb280b6ede470586edb64156991e93_I20211231" decimals="-3" name="slm:DebtInstrumentFaceAmountAfterAdjustments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzEyLTEtMS0xLTA_dc16346c-d8da-446f-bec1-22a4be1250fb">7,573,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i21b0926dd9b6472ab1207ad8739922c8_I20211231" decimals="-3" name="slm:DebtInstrumentFaceAmountAfterAdjustments" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i21b0926dd9b6472ab1207ad8739922c8_I20211231" decimals="-3" name="slm:DebtInstrumentFaceAmountAfterAdjustments" format="ixt:num-dot-decimal" scale="3" 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double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i38bb47dac7a54e27a4fde3186165b419_I20211231" decimals="-3" name="slm:DebtInstrumentFaceAmountAfterAdjustments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzEyLTEzLTEtMS0w_98b96c7a-b229-4fd7-8d7a-963029c7149c">5,121,028</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:DebtInstrumentFaceAmountAfterAdjustments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTowNWFjNjgyYmMwN2U0ZGNiOGIxYTgzMzZkMDg1NWM4ZC90YWJsZXJhbmdlOjA1YWM2ODJiYzA3ZTRkY2I4YjFhODMzNmQwODU1YzhkXzEyLTE1LTEtMS0w_4b5e0565-5901-45d7-8842-afc09b9ff301">13,694,028</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:9pt;padding-left:18pt;text-indent:-4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">We view our securitization trust debt as long-term based on the contractual maturity dates and projected principal paydowns based on our current estimates regarding loan prepayment speeds. The projected principal paydowns in year 2022 include $<ix:nonFraction unitRef="usd" contextRef="i38bb47dac7a54e27a4fde3186165b419_I20211231" decimals="-6" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzY0MDI_9c6916b3-5280-4039-a166-5866191d0125">718</ix:nonFraction> million related to the securitization trust debt.</span></div></ix:nonNumeric></ix:continuation><div style="margin-top:9pt;padding-left:18pt;text-indent:-4.5pt"><span><br/></span></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-58  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.127%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.673%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">11.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Borrowings (Continued)</span></td></tr></table></div><div><span><br/></span></div></div><div><span><br/></span></div><ix:continuation id="ibd571f51135c475a943b266919623c31" continuedAt="i50eea3de357e4c608ba78a28d9b3655c"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfSecuritiesFinancingTransactionsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzkxODE_913c5531-2502-45f1-98d2-2ce4f827da1d" continuedAt="ibc9bd4c9b95e454c90ffa2307b11298d" escape="true"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Secured Financings</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following summarizes our secured financings issued in 2020 and 2021:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.333%"><tr><td style="width:1.0%"></td><td style="width:24.057%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.586%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.586%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.579%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.586%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.101%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.586%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.581%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Issue</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Date Issued</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Issued</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average </span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cost of Funds</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average Life<br/>(in years)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="9" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Private Education Loans:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2020-A</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2d281e627ebe4203a0752b99fa11a504_I20200229" decimals="0" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzMwLTQtMS0xLTA_41084dac-acbe-42cb-9799-92e6fa74171c">636,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus <ix:nonFraction unitRef="number" contextRef="i2d281e627ebe4203a0752b99fa11a504_I20200229" decimals="4" name="us-gaap:DerivativeBasisSpreadOnVariableRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzMwLTYtMS0xLTAvdGV4dHJlZ2lvbjowMjQ3ZjY2NDA4ZTA0ZTk1OWQ2ZTQ3MmI4NzI3MzNhNF8yMw_02bab992-7395-4500-8931-83c5f5974b7d">0.88</ix:nonFraction>%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="idda75c71a3e44c1b96df6e8c27b29a1a_D20200201-20200229" name="slm:DebtInstrumentWeightedAverageLife" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzMwLTgtMS0xLTA_ffbc1d01-7487-4e6d-9cdf-7f6742f5bf33">4.18</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2020-B</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">August 2020</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iabe504aff7114acdb4d1bb33c69d7b90_I20200831" decimals="0" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzMxLTQtMS0xLTA_22b5d795-4a5c-4ee0-9172-4b5aaf396a89">707,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus <ix:nonFraction unitRef="number" contextRef="iabe504aff7114acdb4d1bb33c69d7b90_I20200831" decimals="4" name="us-gaap:DerivativeBasisSpreadOnVariableRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzMxLTYtMS0xLTAvdGV4dHJlZ2lvbjo2YTc2NzQwNGQ5ZWE0YmZkOTgzYTgzMzQ4ZGY3ZTJhOV8yMw_e66784c0-2b56-4f02-a761-cf3fd2501203">1.30</ix:nonFraction>%</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i5570b52e27974d8a8687a57bef37fb00_D20200801-20200831" name="slm:DebtInstrumentWeightedAverageLife" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzMxLTgtMS0xLTA_a036a865-2bf9-4d75-9871-6ecfb0a67078">4.14</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total notes issued in 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="0" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzMyLTQtMS0xLTA_c72cb71f-9620-4008-a041-a3e4a42b7af4">1,343,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="9" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loan and accrued interest amount securitized at inception in 2020</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="0" name="slm:LoanAmountSecuritized" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzM0LTQtMS0xLTA_9f8784fd-1d7c-4a56-8a18-98e3625367ef">1,463,230</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2021-B</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">May 2021</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i06e5a9b055dd4aff97f0c2786a339f3d_I20210531" decimals="0" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzM2LTQtMS0xLTI0MTY2_d46d1dcf-9406-4022-87c1-5fddc45172a7">531,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus <ix:nonFraction unitRef="number" contextRef="i06e5a9b055dd4aff97f0c2786a339f3d_I20210531" decimals="4" name="us-gaap:DerivativeBasisSpreadOnVariableRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzM1LTYtMS0xLTI0MTkwL3RleHRyZWdpb246ZTQ1YzBlNTBmZGU0NGE3Yzg1YzFiYjFiNmUyMjFjY2JfMTA5OTUxMTYyNzgwMg_dca555f4-413e-459d-9618-41669081a3bd">0.77</ix:nonFraction>%</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i90e8be42238041e9b4d9ceab5dbf68e5_D20210501-20210531" name="slm:DebtInstrumentWeightedAverageLife" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzM1LTgtMS0xLTI0MTgx_ef74ef8a-a247-42e2-9dd9-2d7f312608d5">4.26</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2021-D</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">August 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0144239e6a7544049f33d218a459b597_I20210831" decimals="0" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzM3LTQtMS0xLTI0MTY2_59928c5c-52e2-48af-88b3-e3fe02188a1d">527,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus <ix:nonFraction unitRef="number" contextRef="i0144239e6a7544049f33d218a459b597_I20210831" decimals="4" name="us-gaap:DerivativeBasisSpreadOnVariableRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzM2LTYtMS0xLTI0MTkyL3RleHRyZWdpb246YWI1NzliNmQ5NmQ3NDA4M2IxMzJiYWQwMDM2MzlhODFfMTA5OTUxMTYyNzgwMg_e6a96a24-9b45-4ab2-9c46-7b467e6e26ad">0.69</ix:nonFraction>%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="icc48aa3ffb8e4b0a9804ac460987a42d_D20210801-20210831" name="slm:DebtInstrumentWeightedAverageLife" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzM2LTgtMS0xLTI0MTgx_06450aee-c099-47f3-8722-46c473849e0e">4.22</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2021-E</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">November 2021</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i30dd8b6bb30146818bc02f51c90f5a2b_I20211130" decimals="0" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzM4LTQtMS0xLTI0MTY2_7f68ac52-83e5-49fe-9995-0aa6f35b3939">534,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus <ix:nonFraction unitRef="number" contextRef="i30dd8b6bb30146818bc02f51c90f5a2b_I20211130" decimals="4" name="us-gaap:DerivativeBasisSpreadOnVariableRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzM3LTYtMS0xLTI0MTk0L3RleHRyZWdpb246ZTA4MWQzNmU5NzAxNDcxY2IwMDdjM2MzMTYxMDQ2NjRfMTA5OTUxMTYyNzgwMg_bfcf2a89-2cd4-4cf1-807c-75621617eb82">0.69</ix:nonFraction>%</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i618aaddfe718463098e38eb0e58ab71a_D20211101-20211130" name="slm:DebtInstrumentWeightedAverageLife" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzM3LTgtMS0xLTI0MTgx_a4dbbee4-8603-4c1e-b61a-504b461378ba">4.15</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total notes issued in 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="0" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzM5LTQtMS0xLTI0MTY2_d7ba5d61-2f95-4e61-bb4c-297d52e092fb">1,592,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loan and accrued interest amount securitized at inception in 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:LoanAmountSecuritized" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpkNmNiMDllNjY4NjU0ZGM3OWExZmU3YTkzMzBhZWFhMi90YWJsZXJhbmdlOmQ2Y2IwOWU2Njg2NTRkYzc5YTFmZTdhOTMzMGFlYWEyXzM5LTQtMS0xLTM3MDgx_097c5016-63f5-4a98-96be-5ca64256dbe2">1,656,263</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">              </span></div><div style="margin-top:9pt;padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> Represents LIBOR equivalent cost of funds for floating and fixed-rate bonds, excluding issuance costs. </span></div></ix:nonNumeric><div style="margin-top:9pt;padding-left:45pt;padding-right:49.5pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"><ix:continuation id="ibc9bd4c9b95e454c90ffa2307b11298d" continuedAt="i35a184a682844941810e1ca7783ae7ba">(2)</ix:continuation></span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:continuation id="i35a184a682844941810e1ca7783ae7ba"> At December 31, 2021, $<ix:nonFraction unitRef="usd" contextRef="i2cdd2d16de0d4930971a144e924a460d_I20211231" decimals="-7" name="us-gaap:LoansPledgedAsCollateral" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTM5NDM_80b69b7f-7770-42a2-b7e8-680206722a7c">1.11</ix:nonFraction>&#160;billion of our Private Education Loans, including $<ix:nonFraction unitRef="usd" contextRef="i2cdd2d16de0d4930971a144e924a460d_I20211231" decimals="-7" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTM5NTg_58c6fbfc-08ca-488e-9de1-f86f9a427301">1.05</ix:nonFraction>&#160;billion of principal and $<ix:nonFraction unitRef="usd" contextRef="i2cdd2d16de0d4930971a144e924a460d_I20211231" decimals="-6" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTM5Nzg_b8ecd410-9281-434d-b077-8a07902a1f3b">62</ix:nonFraction>&#160;million in capitalized interest, were encumbered related to the 2020 transactions.</ix:continuation> </span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-59</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.127%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.673%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">11.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Borrowings (Continued)</span></td></tr></table></div><div><span><br/></span></div></div><div><span><br/></span></div><ix:continuation id="i50eea3de357e4c608ba78a28d9b3655c" continuedAt="i2d59bad2500b4ad1a19bb6fc97bda7d1"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Consolidated Funding Vehicles </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfVariableInterestEntitiesTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzkxOTA_035b1a13-c3a8-45fa-b565-65e0662353dd" continuedAt="ida1a364c4be342b2aca2493baf425f34" escape="true">We consolidate our financing entities that are VIEs as a result of our being the entities&#8217; primary beneficiary. As a result, these financing VIEs are accounted for as secured borrowings. </ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="ida1a364c4be342b2aca2493baf425f34" continuedAt="i199c37336bed4610ba44865e7f22236b"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.555%"><tr><td style="width:1.0%"></td><td style="width:18.231%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.398%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.510%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.526%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.510%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.526%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.510%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.526%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.510%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.526%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.510%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.526%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.946%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.526%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.519%"></td><td style="width:0.1%"></td></tr><tr style="height:3pt"><td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Debt Outstanding</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Amount of Assets Securing Debt Outstanding</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Restricted Cash</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Assets</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i726a05bcefbe420eb51ef7e9d14129e5_I20211231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzQtMi0xLTEtMA_c9713bd4-ef58-4817-8a25-5994f4ffd0f3">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" 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1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i726a05bcefbe420eb51ef7e9d14129e5_I20211231" decimals="-3" name="slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzQtOC0xLTEtMA_78661c32-cf62-4434-a126-00e9b6eef95d">6,029,034</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i726a05bcefbe420eb51ef7e9d14129e5_I20211231" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzQtMTAtMS0xLTA_43565ed8-fc5a-4eff-8608-b2600444093d">210,741</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" 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0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i726a05bcefbe420eb51ef7e9d14129e5_I20211231" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzQtMTQtMS0xLTA_a9e75c63-ba49-4235-9df6-74233235b43e">6,597,757</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i45dcd5db74974e98be58ff47ee3820b8_I20211231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzUtMi0xLTEtMA_f43b4c45-003e-4746-b3c6-40d257490df4">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i45dcd5db74974e98be58ff47ee3820b8_I20211231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzUtNC0xLTEtMA_6bf7b86f-2dc1-41cf-8b29-70cf355a581d">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i45dcd5db74974e98be58ff47ee3820b8_I20211231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzUtNi0xLTEtMA_a0788c43-40b9-4efa-9db6-d2f6e3633903">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i45dcd5db74974e98be58ff47ee3820b8_I20211231" decimals="-3" name="slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzUtOC0xLTEtMA_b004f347-fc4f-45ee-844e-ec521baf93cf">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i45dcd5db74974e98be58ff47ee3820b8_I20211231" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzUtMTAtMS0xLTA_e442e3fb-c7ed-48b7-a95c-e7a7cc5b8e00">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i45dcd5db74974e98be58ff47ee3820b8_I20211231" decimals="-3" name="us-gaap:OtherAssets" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzUtMTItMS0xLTA_ce0f8aa2-f050-4947-bb57-dcd5b151cc2a">867</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i45dcd5db74974e98be58ff47ee3820b8_I20211231" decimals="-3" name="us-gaap:Assets" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzUtMTQtMS0xLTA_2522fdeb-10dc-4185-be1a-0e1d2bc13dc8">867</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1dde852b8ae740ae9116f84cdbd277dd_I20211231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzYtMi0xLTEtMA_186a93e9-c721-45ec-abbf-9cdb728ee0b3">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1dde852b8ae740ae9116f84cdbd277dd_I20211231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzYtNC0xLTEtMA_cf014629-a969-4b22-a1b3-8d494152a2ca">4,994,852</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1dde852b8ae740ae9116f84cdbd277dd_I20211231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzYtNi0xLTEtMA_da68f426-f58a-4aa5-b71d-89fdc48b7664">4,994,852</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1dde852b8ae740ae9116f84cdbd277dd_I20211231" decimals="-3" name="slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzYtOC0xLTEtMA_7f372277-df42-4008-bf15-b771a4402658">6,029,034</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1dde852b8ae740ae9116f84cdbd277dd_I20211231" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzYtMTAtMS0xLTA_107df9da-1171-48a6-b48d-a1c06e3ea0d1">210,741</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1dde852b8ae740ae9116f84cdbd277dd_I20211231" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzYtMTItMS0xLTA_d677a236-5338-4ad5-b0b1-db0e402c7829">358,849</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1dde852b8ae740ae9116f84cdbd277dd_I20211231" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZToyNWY0MjExMTdkZDA0ODc4ODgxMzNkYmNiMTMwZGZmNi90YWJsZXJhbmdlOjI1ZjQyMTExN2RkMDQ4Nzg4ODEzM2RiY2IxMzBkZmY2XzYtMTQtMS0xLTA_44f198cb-31ac-49fc-9d52-d87423b356f6">6,598,624</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.833%"><tr><td style="width:1.0%"></td><td style="width:18.175%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.394%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.479%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.524%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.479%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.814%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.479%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.524%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.479%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.524%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.479%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.524%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.914%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.524%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.488%"></td><td style="width:0.1%"></td></tr><tr style="height:3pt"><td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Debt Outstanding</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Amount of Assets Securing Debt Outstanding</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 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style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Assets</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i193391f3d877427caf2a9912971adbad_I20201231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzQtMi0xLTEtMA_7449c9ba-b7cc-4532-9908-6f8765648fd1">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i193391f3d877427caf2a9912971adbad_I20201231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzQtNi0xLTEtMA_51fd6362-e85f-4f10-8b3a-62e4f5636cea">4,496,338</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i193391f3d877427caf2a9912971adbad_I20201231" decimals="-3" name="slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzQtOC0xLTEtMA_a781c73b-6698-49f4-a4ad-43d52f28fd22">5,661,123</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i193391f3d877427caf2a9912971adbad_I20201231" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzQtMTAtMS0xLTA_0288d214-fcfa-42c7-9840-272d1f1ab562">154,417</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i193391f3d877427caf2a9912971adbad_I20201231" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzQtMTItMS0xLTA_1aa978ff-606d-4344-9fdf-1455937bd123">356,967</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i193391f3d877427caf2a9912971adbad_I20201231" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzQtMTQtMS0xLTA_1b1b414f-02ad-4ab3-8841-184f760c07db">6,172,507</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i15e3a000934d4c12b1ad666b64ca6bef_I20201231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzUtMi0xLTEtMA_6ed48c6d-4167-4fe1-9c60-342d893a1937">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i15e3a000934d4c12b1ad666b64ca6bef_I20201231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzUtNC0xLTEtMA_32d3df65-3ec8-4170-a713-d0db60bfc87f">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i15e3a000934d4c12b1ad666b64ca6bef_I20201231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzUtNi0xLTEtMA_f8ea4d17-21a1-437b-8664-c6369930a1cd">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i15e3a000934d4c12b1ad666b64ca6bef_I20201231" decimals="-3" name="slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzUtOC0xLTEtMA_9084d35b-9a48-449a-8d0e-fe6982f94fa2">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i15e3a000934d4c12b1ad666b64ca6bef_I20201231" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzUtMTAtMS0xLTA_42be3225-7cee-4c0b-a152-b6a677a63b81">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i15e3a000934d4c12b1ad666b64ca6bef_I20201231" decimals="-3" name="us-gaap:OtherAssets" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzUtMTItMS0xLTA_7fbb668b-5ed2-473f-82ae-ea40af7f2fd2">436</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i15e3a000934d4c12b1ad666b64ca6bef_I20201231" decimals="-3" name="us-gaap:Assets" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzUtMTQtMS0xLTA_c822bcf4-399e-40db-9512-d058eed61b82">436</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibcd3264651484aa29d170283e4f56a47_I20201231" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzYtMi0xLTEtMA_491c3876-19ac-4ce8-810a-54a42f3a14e2">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibcd3264651484aa29d170283e4f56a47_I20201231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzYtNC0xLTEtMA_10d4dd8f-459f-4521-afd5-71385273b5da">4,496,338</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibcd3264651484aa29d170283e4f56a47_I20201231" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzYtNi0xLTEtMA_14b5d0ac-3cf8-4ef3-951d-cf1a151f70cc">4,496,338</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibcd3264651484aa29d170283e4f56a47_I20201231" decimals="-3" name="slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzYtOC0xLTEtMA_32666f11-b0da-456b-aa31-4389383709c6">5,661,123</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibcd3264651484aa29d170283e4f56a47_I20201231" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzYtMTAtMS0xLTA_99e5b691-3d31-45e8-b615-4add6b2076bc">154,417</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibcd3264651484aa29d170283e4f56a47_I20201231" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzYtMTItMS0xLTA_8cf19657-d7f3-4a73-afbf-58b1aa478989">357,403</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibcd3264651484aa29d170283e4f56a47_I20201231" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTozM2YyZmZkNGI0NDc0YmEwOWMyMmI2Y2ZkYTdkMWRlMi90YWJsZXJhbmdlOjMzZjJmZmQ0YjQ0NzRiYTA5YzIyYjZjZmRhN2QxZGUyXzYtMTQtMS0xLTA_17902332-b3f2-4068-9ade-f9951aa2584d">6,172,943</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:9pt;padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets primarily represent accrued interest receivable.</span></div></ix:continuation><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div></ix:continuation><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-60  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.127%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.673%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">11.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Borrowings (Continued)</span></td></tr></table></div><div><span><br/></span></div></div><ix:continuation id="i2d59bad2500b4ad1a19bb6fc97bda7d1" continuedAt="i2cdb5ffadfa240ddb4b5c2769c6461c1"><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Unconsolidated VIEs</span></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Private Education Loan Securitizations</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unconsolidated VIEs include variable interests that we hold in certain securitization trusts created by the sale of our Private Education Loans to unaffiliated third-parties in the first quarter of 2020 and the first six months of 2021. We remained the servicer of these loans pursuant to applicable servicing agreements executed in connection with the sales, and we are also the administrator of these trusts. Additionally, we own <ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM4NDgyOTA3Mzg1ODU_36b82c29-1155-4892-9b34-b0fa30a3dd6f">five</ix:nonFraction> percent of the securities issued by the trusts in order to meet risk retention requirements. We were not required to consolidate these entities because while as servicer we may have a significant impact on economic performance, the risk of absorbing losses that could be significant is low.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2021-A Transaction</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 9, 2021, we closed an SMB Private Education Loan Trust 2021-A term ABS transaction (the &#8220;2021-A Transaction&#8221;), in which the unaffiliated third-party sold to the trust approximately $<ix:nonFraction unitRef="usd" contextRef="icf9c9d3c19454939bf8331fc4e61def5_D20210209-20210209" decimals="-8" name="us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTc3OTY_f34a845f-6bc0-4b08-b8d3-97a62b9b30a5">2.5</ix:nonFraction>&#160;billion of Private Education Loans that the third-party seller previously purchased from us on January 8, 2021. In the 2021-A Transaction, we were the sponsor, servicer and administrator, and the seller of an additional $<ix:nonFraction unitRef="usd" contextRef="icf9c9d3c19454939bf8331fc4e61def5_D20210209-20210209" decimals="-6" name="slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTc4MTU_1238516a-d2cc-4a8b-9460-ea913cc0513d">130</ix:nonFraction>&#160;million of Private Education Loans into the trust. The sale of such additional loans qualified for sale treatment and removed these loans from our balance sheet on the settlement date of the 2021-A Transaction and we recorded an $<ix:nonFraction unitRef="usd" contextRef="icf9c9d3c19454939bf8331fc4e61def5_D20210209-20210209" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedGain" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTc4MzI_fdd0b8d4-d679-4817-ab21-06f502ced7b8">18</ix:nonFraction>&#160;million gain on sale associated with this transaction. In connection with the 2021-A Transaction settlement, we retained a <ix:nonFraction unitRef="number" contextRef="i7d3b81a1ac5445f4b5521478eb41f6e3_D20210209-20210209" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM4NDgyOTA3Mzg0OTE_f9bc565f-a2f6-48bb-94d3-1a7edcecca14">five</ix:nonFraction> percent vertical risk retention interest (i.e., <ix:nonFraction unitRef="number" contextRef="i7d3b81a1ac5445f4b5521478eb41f6e3_D20210209-20210209" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM4NDgyOTA3Mzg1MTQ_9b94c422-9d8a-4695-afb2-303df20776d9">five</ix:nonFraction> percent of each class issued in the securitization). We classified those vertical risk retention interests related to the 2021-A Transaction as available-for-sale investments, except for the interest in the residual class, which we classified as a trading investment recorded at fair value with changes recorded through earnings.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2021-C Transaction</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On May 27, 2021, we closed an SMB Private Education Loan Trust 2021-C term ABS transaction (the &#8220;2021-C Transaction&#8221;), in which the unaffiliated third-party sold to the trust approximately $<ix:nonFraction unitRef="usd" contextRef="ia39543c4fce04588ab48fb56f7900fdd_D20210527-20210527" decimals="-6" name="us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTc5MzM_daac24cc-09f8-4a6b-9aed-ecaaafaa866d">505</ix:nonFraction>&#160;million of Private Education Loans that the third-party seller previously purchased from us on January 8, 2021. In the 2021-C Transaction, we were the sponsor, servicer and administrator, and the seller of an additional $<ix:nonFraction unitRef="usd" contextRef="ia39543c4fce04588ab48fb56f7900fdd_D20210527-20210527" decimals="-6" name="slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTc5NTE_4971f01f-1bf8-4c1e-9360-86a21607d2ec">27</ix:nonFraction>&#160;million of Private Education Loans into the trust. The sale of such additional loans qualified for sale treatment and removed these loans from our balance sheet on the settlement date of the 2021-C Transaction and we recorded an $<ix:nonFraction unitRef="usd" contextRef="ia39543c4fce04588ab48fb56f7900fdd_D20210527-20210527" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedGain" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzEwOTk1MTE2NTc5Njc_f4294cb5-03d4-436b-8b6f-f7fb134b4d9a">4</ix:nonFraction>&#160;million gain on sale associated with this transaction. In connection with the 2021-C Transaction settlement, we retained a <ix:nonFraction unitRef="number" contextRef="ie6f2c8e38696467d8527bee924305c49_D20210527-20210527" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM4NDgyOTA3Mzg1Mzg_31fe53c6-7368-43a5-83cd-4b721ebd8e27">five</ix:nonFraction> percent vertical risk retention interest (i.e., <ix:nonFraction unitRef="number" contextRef="ie6f2c8e38696467d8527bee924305c49_D20210527-20210527" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzM4NDgyOTA3Mzg1NjE_e5ef5b18-6ddc-4202-90d3-4d1f75b6acf6">five</ix:nonFraction> percent of each class issued in the securitization). We classified those vertical risk retention interests related to the 2021-C Transaction as available-for-sale investments, except for the interest in the residual class, which we classified as a trading investment recorded at fair value with changes recorded through earnings.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><ix:continuation id="i199c37336bed4610ba44865e7f22236b" continuedAt="i1e8da9c785a64a2a95e1b4b6b894a08f"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below provides a summary of our exposure related to our unconsolidated VIEs.</span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.166%"><tr><td style="width:1.0%"></td><td style="width:23.487%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.120%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.616%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.780%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.461%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.285%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.966%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.035%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.626%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.285%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.626%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.615%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.298%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Debt Interests</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Equity Interests</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Exposure</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Debt Interests</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Equity Interests</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Exposure</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8f7657768aab4bb09046eab2f5de60e8_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpjNTA1M2IyZTJiNzA0YzAwYTZlYTUzNzRkZjIxZmZkYi90YWJsZXJhbmdlOmM1MDUzYjJlMmI3MDRjMDBhNmVhNTM3NGRmMjFmZmRiXzItMi0xLTEtMjQzMDY_509f468b-2053-45e9-bfec-5ebe0e53441a">192,245</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span 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1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8f7657768aab4bb09046eab2f5de60e8_I20211231" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpjNTA1M2IyZTJiNzA0YzAwYTZlYTUzNzRkZjIxZmZkYi90YWJsZXJhbmdlOmM1MDUzYjJlMmI3MDRjMDBhNmVhNTM3NGRmMjFmZmRiXzItNi0xLTEtMjQzMDY_a9721596-48a5-480c-9140-941c334b4218">229,710</ix:nonFraction>&#160;</span></td><td 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1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i80ed33d10a7f4285892f68657887214a_I20201231" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90YWJsZTpjNTA1M2IyZTJiNzA0YzAwYTZlYTUzNzRkZjIxZmZkYi90YWJsZXJhbmdlOmM1MDUzYjJlMmI3MDRjMDBhNmVhNTM3NGRmMjFmZmRiXzItMTItMS0xLTI0MzA2_19ed2723-8481-4a5d-ab2b-99d3826a1f67">85,831</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:6pt;padding-left:72pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1) Vertical risk retention interest classified as available-for-sale investment.</span></div></ix:continuation><div style="padding-left:72pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:continuation id="i1e8da9c785a64a2a95e1b4b6b894a08f">(2) Vertical risk retention interest classified as trading investment.</ix:continuation> </span></div></ix:continuation><div style="margin-top:6pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-61</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.127%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.673%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">11.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Borrowings (Continued)</span></td></tr></table></div><div><span><br/></span></div></div><ix:continuation id="i2cdb5ffadfa240ddb4b5c2769c6461c1"><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other Borrowing Sources</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain discretionary uncommitted Federal Funds lines of credit with various correspondent banks, which totaled $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="0" name="slm:UncommittedFederalFunds" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzc5NzY_3ebfec02-024f-46b2-b671-86256e918fad">125</ix:nonFraction> million at December 31, 2021. The interest rate we are charged on these lines of credit is priced at Fed Funds plus a spread at the time of borrowing, and is payable daily. We did not utilize these lines of credit in the years ended December 31, 2021 and 2020.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We established an account at the FRB to meet eligibility requirements for access to the Primary Credit borrowing facility at the FRB&#8217;s Discount Window (the &#8220;Window&#8221;). The Primary Credit borrowing facility is a lending program available to depository institutions that are in generally sound financial condition. All borrowings at the Window must be fully collateralized. We can pledge asset-backed and mortgage-backed securities, as well as FFELP Loans and Private Education Loans, to the FRB as collateral for borrowings at the Window. Generally, collateral value is assigned based on the estimated fair value of the pledged assets. At December 31, 2021 and December 31, 2020, the value of our pledged collateral at the FRB totaled $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-8" name="slm:Lendablevalueofcollateral" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzg5NzA_8c833631-e2a7-438a-b362-2e42c48d4e06">3.3</ix:nonFraction> billion and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-8" name="slm:Lendablevalueofcollateral" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzg5ODY_9900b27f-abc5-435a-ac34-cc14bb8ddfcc">3.8</ix:nonFraction> billion, respectively. The interest rate charged to us is the discount rate set by the FRB. We did not utilize this facility in the years ended December 31, 2021 and 2020.</span></div></ix:continuation><div id="i35472170320a48e7aebfc3743129a2e0_127"></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">12.   <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzEwMjMw_bffb22a8-892f-455e-9ead-d89f12a85008" continuedAt="ic8b8cfe629ed47b6b883d5b1f7fd01d9" escape="true">Derivative Financial Instruments </ix:nonNumeric></span></div><div style="margin-top:5pt;text-indent:11.25pt"><span><br/></span></div><ix:continuation id="ic8b8cfe629ed47b6b883d5b1f7fd01d9" continuedAt="i79fcff70b6ff49599d75ec39ccc6178a"><div style="margin-top:5pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Risk Management Strategy</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain an overall interest rate risk management strategy that incorporates the use of derivative instruments to reduce the economic effect of interest rate changes. Our goal is to manage interest rate sensitivity by modifying the repricing frequency and underlying index characteristics of certain balance sheet assets or liabilities so any adverse impacts related to movements in interest rates are managed within low to moderate limits. As a result of interest rate fluctuations, hedged balance sheet positions will appreciate or depreciate in market value or create variability in cash flows. Income or loss on the derivative instruments linked to the hedged item will generally offset the effect of this unrealized appreciation or depreciation or volatility in cash flows for the period the item is being hedged. We view this strategy as a prudent management of interest rate risk.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Although we use derivatives to reduce the risk of interest rate changes, the use of derivatives does expose us to both market and credit risk. Market risk is the chance of financial loss resulting from changes in interest rates and market liquidity. Credit risk is the risk that a counterparty will not perform its obligations under a contract and it is limited to the loss of the fair value gain in a derivative that the counterparty owes us less collateral held and plus collateral posted. When the fair value of a derivative contract less collateral held and plus collateral posted is negative, we owe the counterparty and, therefore, we have no credit risk exposure to the counterparty; however, the counterparty has exposure to us. We minimize the credit risk in derivative instruments by entering into transactions with reputable counterparties that are reviewed regularly by our Credit Department. We also maintain a policy of requiring that all derivative contracts be governed by an International Swaps and Derivatives Association, Inc. Master Agreement. Depending on the nature of the derivative transaction, bilateral collateral arrangements are required as well. When we have more than one outstanding derivative transaction with the counterparty, and there exists legally enforceable netting provisions with the counterparty (i.e., a legal right to offset receivable and payable derivative contracts), the &#8220;net&#8221; mark-to-market exposure, less collateral held and plus collateral posted, represents exposure with the counterparty. We refer to this as the &#8220;net position.&#8221; When there is a net negative exposure, we consider our exposure to the counterparty and the net position to be zero. </span></div><div style="margin-top:6pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Title VII of the Dodd-Frank Act requires all standardized derivatives, including most interest rate swaps, to be submitted for clearing to central counterparties to reduce counterparty risk. <ix:nonFraction unitRef="numberofcounterparties" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="0" name="slm:NumberOfCounterparties" format="ixt-sec:numwordsen" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzM4NDgyOTA3MTc4MzA_4bb29cfa-b73a-4ce9-9dc2-bd48c6ede02c">Two</ix:nonFraction> of the central counterparties we use are the CME and the LCH. All variation margin payments on derivatives cleared through the CME and LCH are accounted for as legal settlement. As of December 31, 2021, $<ix:nonFraction unitRef="usd" contextRef="i68a5872b43b04dbc9ae190223f75eb89_I20211231" decimals="-8" name="us-gaap:DerivativeNotionalAmount" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzMwNjI_69253523-1132-4008-a084-72530bdef6fb">5.2</ix:nonFraction> billion notional of our derivative contracts were cleared on the CME and $<ix:nonFraction unitRef="usd" contextRef="ia922dedf4ec04adc9ff1716561098c3d_I20211231" decimals="-8" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzMxMzg_b2975636-18be-4232-8bea-99c48476e93c">0.3</ix:nonFraction> billion were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent <ix:nonFraction unitRef="number" contextRef="i408f6599a073462d9ac5bf49dbf70bd5_D20210101-20211231" decimals="3" name="slm:DerivativeNotionalAmountPercent" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzMyMzM_b61f6c48-d131-4ed4-897c-066aa2040839">94.4</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="i29113c479c0e44fa9ebaa1dddc2e8c39_D20210101-20211231" decimals="3" name="slm:DerivativeNotionalAmountPercent" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzMyNDA_f61585c3-b9c2-4942-8880-b06136667229">5.6</ix:nonFraction> percent, respectively, of our total notional derivative contracts of $<ix:nonFraction unitRef="usd" contextRef="ib31cfdb1b62a4a15bf1f9a604a6de340_I20211231" decimals="-8" name="us-gaap:DerivativeNotionalAmount" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzMzMDU_1f79d7f1-9ce4-4328-b0b2-b369a56c6db6">5.5</ix:nonFraction> billion at December 31, 2021.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For derivatives cleared through the CME and LCH, the net gain (loss) position includes the variation margin amounts as settlement of the derivative and not collateral against the fair value of the derivative. The amount of variation margin included as settlement as of December 31, 2021 was $(<ix:nonFraction unitRef="usd" contextRef="i408f6599a073462d9ac5bf49dbf70bd5_D20210101-20211231" decimals="-6" sign="-" name="slm:AmountOfVariationMarginIncludedAsSettlement" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzM2MzA_45847707-6d4f-4647-b1fe-7ba75b87c02a">72</ix:nonFraction>) million and $<ix:nonFraction unitRef="usd" contextRef="i29113c479c0e44fa9ebaa1dddc2e8c39_D20210101-20211231" decimals="-6" name="slm:AmountOfVariationMarginIncludedAsSettlement" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzM2Mzg_3ac67975-c318-4dd4-a44e-23914d0de239">8</ix:nonFraction> million for the CME and LCH, respectively. Changes in fair value for derivatives not designated as hedging instruments are presented as realized gains (losses). </span></div><div style="margin-top:6pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our exposure is limited to the value of the derivative contracts in a gain position less any collateral held and plus any collateral posted. When there is a net negative exposure, we consider our exposure to the counterparty to be zero. At December&#160;31, 2021 and 2020, we had a net positive exposure (derivative gain positions to us, less collateral held by us and plus collateral posted with counterparties) related to derivatives of $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:DerivativeFairValueAmountOffsetAgainstCollateralNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzQyMjU_0b51b57c-a014-47b8-9a58-bd8fbd598357">9</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-6" name="us-gaap:DerivativeFairValueAmountOffsetAgainstCollateralNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzQyNDA_2d4efe13-343c-4ea9-bcee-dd908c05742f">43</ix:nonFraction> million, respectively.</span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-62  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.096%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.979%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.525%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">12.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Derivative Financial Instruments (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i79fcff70b6ff49599d75ec39ccc6178a" continuedAt="i5c8e46a549734ca6924ae1f1717ad992"><div style="margin-top:6pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Accounting for Derivative Instruments</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The accounting for derivative instruments requires that every derivative instrument, including certain derivative instruments embedded in other contracts, be recorded on the balance sheet as either an asset or liability measured at fair value. Our derivative instruments are classified and accounted for by us as fair value hedges, cash flow hedges, and trading hedges. </span></div><div style="margin-top:5pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fair Value Hedges</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We generally use fair value hedges to offset the exposure to changes in fair value of a recognized fixed-rate liability. We enter into interest rate swaps to economically convert fixed-rate liabilities into variable-rate liabilities. For fair value hedges, we generally consider all components of the derivative&#8217;s gain and/or loss when assessing hedge effectiveness and generally hedge changes in fair values due to interest rates. For fair value hedges, the entire change in the fair value of the hedging instrument included in the assessment of hedge effectiveness is recorded in the same line item in the consolidated statements of income that is used to present the earnings effect of the hedged component of the hedged item. </span></div><div style="margin-top:5pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash Flow Hedges</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use cash flow hedges to hedge the exposure to variability in cash flows of floating-rate liabilities. This strategy is used primarily to minimize the exposure to volatility in cash flows from future changes in interest rates. In assessing hedge effectiveness, generally all components of each derivative&#8217;s gains or losses are included in the assessment. We hedge exposure to changes in cash flows due to changes in interest rates or total changes in cash flow. For cash flow hedges, the entire change in the fair value of the hedging instrument included in the assessment of hedge effectiveness is recorded in other comprehensive income (loss). Those amounts are subsequently reclassified to earnings, in the same line item in the consolidated statements of income as impacted by the hedged item, when the hedged item affects earnings.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Amounts reported in accumulated other comprehensive income related to derivatives will be reclassified to interest expense as interest payments are made on our variable-rate deposits. During the next twelve months, we estimate that $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" sign="-" name="us-gaap:InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzczNDA_aba922b3-afbb-45ed-82d6-a8323819aefe">13</ix:nonFraction>&#160;million will be reclassified as an increase to interest expense.</span></div><div style="margin-top:5pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Trading Activities</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When derivative instruments do not qualify for hedge accounting treatment, they are accounted for at fair value with all changes in fair value recorded through earnings. All of our derivative instruments entered into with maturities of less than three years are economically hedging risk, but do not receive hedge accounting treatment. Trading derivatives also include any hedges that originally received hedge accounting treatment, but lost hedge accounting treatment due to failed effectiveness testing, as well as the activity of certain derivatives&#160;prior to those derivatives receiving hedge accounting treatment.</span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-63</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.096%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.979%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.525%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">12.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Derivative Financial Instruments (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="margin-top:6pt;text-indent:11.25pt"><span><br/></span></div><ix:continuation id="i5c8e46a549734ca6924ae1f1717ad992" continuedAt="i2ab962b171cd43c4b444daccca439e5a"><div style="text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Summary of Derivative Financial Statement Impact</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzEwMjEz_8fc1e51f-f6c6-4387-8766-ab71947dce5f" continuedAt="ied29b20584e041e2b3b8856f804fd379" escape="true"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables summarize the fair values and notional amounts of all derivative instruments at December&#160;31, 2021 and 2020, and their impact on earnings and other comprehensive income for the years ended December&#160;31, 2021, 2020, and 2019. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Impact of Derivatives on the Consolidated Balance Sheets</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.944%"><tr><td style="width:1.0%"></td><td style="width:15.948%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.349%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.946%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.495%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.516%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.495%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.516%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.495%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.516%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.495%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.516%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.495%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.516%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.495%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.516%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.495%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.516%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.507%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Cash Flow Hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fair Value Hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Trading</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Values</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Hedged Risk Exposure</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:700;line-height:100%">Derivative Assets:</span><span 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style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest rate swaps</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6df40ac22de144f1be68685871801f83_I20201231" decimals="-3" name="us-gaap:DerivativeAssets" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzYtMTAtMS0xLTA_c09293f9-7fea-4d9e-ab7b-9cbda8c18256">594</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7011001837564ad5a104c327fc554157_I20211231" decimals="-3" name="us-gaap:DerivativeAssets" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzYtMTItMS0xLTA_92bfe91c-4eb9-4436-a321-fe0c49c48beb">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idc119dd1e79f4a7a8a2949abb0288d8c_I20201231" decimals="-3" name="us-gaap:DerivativeAssets" scale="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7011001837564ad5a104c327fc554157_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzgtMTItMS0xLTA_6b19c853-0f00-4412-8261-7cba0a9ebabd">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idc119dd1e79f4a7a8a2949abb0288d8c_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzgtMTQtMS0xLTA_c2914a94-9ca1-462d-8027-69799a2bc7b1">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ib31cfdb1b62a4a15bf1f9a604a6de340_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzgtMTYtMS0xLTA_f8665c88-7168-46fe-82d8-cfbff9c28743">252</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i00aaf15f506148fab01f50a8b0867d2d_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzgtMTgtMS0xLTA_18def554-91ee-4ae1-992e-5b6468b2ceb7">287</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total net derivatives</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i093b811eaeae437e96c6235f9ec5bc66_I20211231" decimals="-3" sign="-" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzktNC0xLTEtMA_9d874158-1990-44a8-8343-a7ec72d743c8">231</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i77277d7343a24593b564ea974d91613a_I20201231" decimals="-3" sign="-" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzktNi0xLTEtMA_3b271635-b997-4df1-a68f-e91b16480422">287</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i31d221d5405946daa1b4e8f7fe3b4f8e_I20211231" decimals="-3" sign="-" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzktOC0xLTEtMA_5c8a3561-0582-403a-b4a9-9a255aa62e69">21</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2c3a6523b3664af3a7577600af3eaf7c_I20201231" decimals="-3" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzktMTAtMS0xLTA_1420af61-fad3-458e-abff-4abcd616552f">594</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if688018f22914c9bb8747c4a7dfe4de8_I20211231" decimals="-3" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzktMTItMS0xLTA_2450e21f-b82f-4cda-a5c8-e596f18dd9d6">1,322</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia5c3704774da4876a5dc2d1b65318346_I20201231" decimals="-3" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzktMTQtMS0xLTA_2f1b1cb4-0e8c-4b1d-80f0-8292876d7d6e">135</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzktMTYtMS0xLTA_2f37581d-b4a9-4da2-84c8-2520ef88498c">1,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTpiYzRhZTA1ODVmZTc0YTI2ODBiYjRhNDgyZjU1OTEzNi90YWJsZXJhbmdlOmJjNGFlMDU4NWZlNzRhMjY4MGJiNGE0ODJmNTU5MTM2XzktMTgtMS0xLTA_af15a18a-d16d-4722-8160-446501d3a2d1">442</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">    </span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt">Fair values reported include variation margin as legal settlement of the derivative contract. 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continuedAt="ied05296d2ee84e4e9e6cbdfdd774e476" escape="true"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:OffsettingLiabilitiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzEwMjI2_410b9d83-2be2-4dcd-a384-4e155a26aa20" continuedAt="i3e6c93cf5af748ca94ead0e1a5750ed6" escape="true">The following table reconciles gross positions with the impact of master netting agreements to the balance sheet classification:</ix:nonNumeric></ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="ied05296d2ee84e4e9e6cbdfdd774e476" continuedAt="if7425be1590940ecb0edb48d89614a66"><ix:continuation id="i3e6c93cf5af748ca94ead0e1a5750ed6" continuedAt="ia32ff4a400c148dcb6b9cb767a72c95e"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:69.305%"><tr><td style="width:1.0%"></td><td style="width:36.374%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.802%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.529%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.802%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.529%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.802%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.529%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.802%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.531%"></td><td style="width:0.1%"></td></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Other Assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Other Liabilities</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Gross position</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i07d712b99b7745bea06f68d29a253c59_I20211231" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeAsset" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzMtMi0xLTEtMA_144edd48-2eb9-4788-ad87-e797f9138d27">1,322</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73c151578a7f4afbb5eb6ea2e0136503_I20201231" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzMtNC0xLTEtMA_28960cc8-92d3-4e56-aa3f-9a521d47ed63">729</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="if56e30c0e8da43f58f8567fbc618c350_I20211231" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzMtNi0xLTEtMA_afd5cd84-53e5-4e0b-ad81-64429f2091b3">252</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i1c304be60dcb435bb9dd33f36ec66bdb_I20201231" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzMtOC0xLTEtMA_f3dffa91-0b70-4344-a0e2-aa5aef32d04e">287</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Impact of master netting agreement</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i07d712b99b7745bea06f68d29a253c59_I20211231" decimals="-3" name="us-gaap:DerivativeAssetFairValueGrossLiability" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzQtMi0xLTEtMA_bb1c6e59-0964-4c38-b45c-da827ff7edca">5</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73c151578a7f4afbb5eb6ea2e0136503_I20201231" decimals="-3" name="us-gaap:DerivativeAssetFairValueGrossLiability" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzQtNC0xLTEtMA_f6893c41-f6dd-4f3a-b9e9-e19f50a0f055">176</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if56e30c0e8da43f58f8567fbc618c350_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzQtNi0xLTEtMA_51649c96-0079-4c74-b16a-15478043bd5f">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1c304be60dcb435bb9dd33f36ec66bdb_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzQtOC0xLTEtMA_1f3d60bb-f6cb-4cfe-a0e0-31321bb1401f">176</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Derivative values with impact of master netting agreements (as carried on balance sheet)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 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#000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73c151578a7f4afbb5eb6ea2e0136503_I20201231" decimals="-3" name="us-gaap:DerivativeAssets" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzUtNC0xLTEtMA_708cebf2-7390-4689-884c-7afa1a94bc29">553</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="if56e30c0e8da43f58f8567fbc618c350_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzUtNi0xLTEtMA_e037210c-a501-434b-95b8-4596bebdf4cc">247</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i1c304be60dcb435bb9dd33f36ec66bdb_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzUtOC0xLTEtMA_ddfe39e1-a8bc-48c0-a20c-963125365bf6">111</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzYtMi0xLTEtMA_8729b7c8-af99-434e-a299-434444f8d396">9,655</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73c151578a7f4afbb5eb6ea2e0136503_I20201231" decimals="-3" sign="-" name="us-gaap:DerivativeCollateralObligationToReturnCash" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzYtNC0xLTEtMA_fb5b0b33-105c-4000-8e8e-71210fbac611">42,874</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if56e30c0e8da43f58f8567fbc618c350_I20211231" decimals="-3" name="us-gaap:DerivativeCollateralRightToReclaimCash" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzYtNi0xLTEtMA_80a8fa78-e308-47e6-9d0c-549bab968eaf">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i1c304be60dcb435bb9dd33f36ec66bdb_I20201231" decimals="-3" name="us-gaap:DerivativeCollateralRightToReclaimCash" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzYtOC0xLTEtMA_63e7e758-ad22-4386-820b-dcc72d685975">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Net position</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i07d712b99b7745bea06f68d29a253c59_I20211231" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzctMi0xLTEtMA_45daf889-f6cb-479d-bca5-434b787f2f31">10,972</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73c151578a7f4afbb5eb6ea2e0136503_I20201231" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzctNC0xLTEtMA_c1e756e9-7f70-4972-9992-e14f3c86687b">43,427</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="if56e30c0e8da43f58f8567fbc618c350_I20211231" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNjM5YzM0YzEwY2M0ZTA3YjIwMzljMmJjZGIzZTJiZi90YWJsZXJhbmdlOmE2MzljMzRjMTBjYzRlMDdiMjAzOWMyYmNkYjNlMmJmXzctNi0xLTEtMA_f8e47ed6-98e7-4e4a-97fb-d6d10f479df5">247</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" 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style="width:1.0%"></td><td style="width:8.959%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.539%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.811%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.539%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.219%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.539%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.967%"></td><td style="width:0.1%"></td></tr><tr><td colspan="51" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional Values</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash Flow</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Trading</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td 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0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib31cfdb1b62a4a15bf1f9a604a6de340_I20211231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzUtMTUtMS0xLTA_8d019e60-5040-4ec9-b632-ef311ac81e8a">5,536,096</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i00aaf15f506148fab01f50a8b0867d2d_I20201231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzUtMTctMS0xLTA_682a259e-802f-4243-a9c0-e26b1acade34">8,557,883</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4b248aba2dab4ce28aaf0c16561ac9b2_I20211231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzYtMy0xLTEtMzcxNzY_4a40c47f-6405-4c5c-a056-a7dc5207cd67">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2764229a625c44939c51a00818d54611_I20201231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzYtNS0xLTEtMzcxNzY_6b453c9b-3adb-455d-a69b-a7cc411813ba">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8c02751631634bd095282e1ea548079d_I20211231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzYtNy0xLTEtMzcxNzY_294f587c-e74d-47d5-9581-ef068ef3efe1">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i748f8bdde7dd46b481d4ada98ebd44e5_I20201231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzYtOS0xLTEtMzcxNzY_41ebcdfd-2d72-4bda-88ca-3a7a26b64458">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i13992360ef6a4d7093b4b3da833d1867_I20211231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzYtMTEtMS0xLTM3MTc2_d443a9e6-3774-4e85-815a-0b41dde55da3">1,053,760</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i99a7fc27f3894a92b088c6c4a69064a5_I20201231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzYtMTMtMS0xLTM3MTc2_8f25f4aa-bd3c-482d-8604-0fd9db9a427c">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id69d901ec1d24c4dbb2448d9ccd8598b_I20211231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzYtMTUtMS0xLTM3MTc2_af024dfb-c9ed-49ad-ad69-4823d9ed5f8e">1,053,760</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2e1eaf06775d4d698f6451ebb8551667_I20201231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzYtMTctMS0xLTM3MTc2_6f5c627d-feb1-4448-843b-f60d581c95f6">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net total notional</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i093b811eaeae437e96c6235f9ec5bc66_I20211231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzctMy0xLTEtMzcxNzY_9796e690-56e7-47f8-b69c-3bd30d920684">1,438,144</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77277d7343a24593b564ea974d91613a_I20201231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzctNS0xLTEtMzcxNzY_2ac8b8d2-b81f-4e44-85e7-d88b829bf86b">1,018,976</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i31d221d5405946daa1b4e8f7fe3b4f8e_I20211231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzctNy0xLTEtMzcxNzY_96e0fcf6-3142-483b-b771-473871597ec2">3,915,999</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double 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double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if688018f22914c9bb8747c4a7dfe4de8_I20211231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzctMTEtMS0xLTM3MTc2_f37deeff-e0f6-4e14-9d36-1f3d28bcefdf">1,235,713</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt 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double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTphNzZiODM1ZjVkZTc0ODg1ODMyMjhiNTkxNmEzZWJjMi90YWJsZXJhbmdlOmE3NmI4MzVmNWRlNzQ4ODU4MzIyOGI1OTE2YTNlYmMyXzctMTUtMS0xLTM3MTc2_932ff637-9d3c-4c74-a35e-373b57185c82">6,589,856</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt 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style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></ix:nonNumeric></div></ix:continuation><div><span><br/></span></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-64  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.096%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.979%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.525%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">12.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Derivative Financial Instruments (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><ix:continuation id="i2ab962b171cd43c4b444daccca439e5a" continuedAt="ieb80e5554a994cf4afd6c51f4ee28aa0"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzEwMjM5_a60709ba-91e4-44cd-b087-67fd5bcc0d87" escape="true"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021 and 2020, the following amounts were recorded on the consolidated balance sheet related to cumulative basis adjustments for fair value hedges:</span></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.666%"><tr><td style="width:1.0%"></td><td style="width:38.211%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.705%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.849%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.705%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.849%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.973%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.849%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.705%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.854%"></td><td style="width:0.1%"></td></tr><tr style="height:45pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)<br/></span><span style="font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"><br/></span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Line Item in the Balance Sheet in Which the Hedged Item is Included:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Amount of the Hedged Assets/(Liabilities)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5f8a6d43e7f04cb5b0f3d945ecc38a2d_I20211231" decimals="-3" name="us-gaap:HedgedLiabilityFairValueHedge" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTozMmQ3MjFiZDBmMGU0ZGIyYjdlNzNjMDYyOTYyYjdjYy90YWJsZXJhbmdlOjMyZDcyMWJkMGYwZTRkYjJiN2U3M2MwNjI5NjJiN2NjXzQtMi0xLTEtMA_a233e232-80cd-412b-9e88-df61bba2e39f">3,963,268</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6b7e4a9cb2564479adf3c34791b223e0_I20201231" decimals="-3" name="us-gaap:HedgedLiabilityFairValueHedge" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTozMmQ3MjFiZDBmMGU0ZGIyYjdlNzNjMDYyOTYyYjdjYy90YWJsZXJhbmdlOjMyZDcyMWJkMGYwZTRkYjJiN2U3M2MwNjI5NjJiN2NjXzQtNC0xLTEtMA_b663877c-7b9f-417f-9baf-12e5bc92da35">4,992,867</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5f8a6d43e7f04cb5b0f3d945ecc38a2d_I20211231" decimals="-3" sign="-" name="us-gaap:HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTozMmQ3MjFiZDBmMGU0ZGIyYjdlNzNjMDYyOTYyYjdjYy90YWJsZXJhbmdlOjMyZDcyMWJkMGYwZTRkYjJiN2U3M2MwNjI5NjJiN2NjXzQtNi0xLTEtMA_c954eba2-9b6f-491d-8acc-190992b18305">50,784</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6b7e4a9cb2564479adf3c34791b223e0_I20201231" decimals="-3" sign="-" name="us-gaap:HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTozMmQ3MjFiZDBmMGU0ZGIyYjdlNzNjMDYyOTYyYjdjYy90YWJsZXJhbmdlOjMyZDcyMWJkMGYwZTRkYjJiN2U3M2MwNjI5NjJiN2NjXzQtOC0xLTEtMA_c1d79303-90f9-4de9-b6fa-c33d5dd80617">154,235</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div><span><br/></span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfDerivativesInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzEwMjUx_1272966e-5b6f-4ae2-bfe8-37a5ff14c65f" escape="true"><div style="padding-left:72pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Impact of Derivatives on the Consolidated Statements of Income</span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:72.638%"><tr><td style="width:1.0%"></td><td style="width:47.274%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.285%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.769%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.756%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.387%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.756%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.773%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Fair Value Hedges</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="21" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest rate swaps:</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest recognized on derivatives</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 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1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i325481706d4240c4accc18d660666afc_D20200101-20201231" decimals="-3" name="us-gaap:GainLossOnFairValueHedgesRecognizedInEarnings" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzUtNC0xLTEtMA_12f25366-ba5d-48b7-a7a7-b8d908cf64ad">71,668</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ifacec9f35c9b467d86fcde553e26c62d_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:GainLossOnFairValueHedgesRecognizedInEarnings" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzUtNi0xLTEtMA_741b53af-ba04-4af1-bb41-a4e172cdae31">8,806</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Hedged items recorded in interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibb701f5ad7334af8bd912a457f03ad65_D20210101-20211231" decimals="-3" name="us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzYtMi0xLTEtMA_9d22d2f7-dae3-4bf1-89df-9c4fd81d6864">103,450</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i325481706d4240c4accc18d660666afc_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzYtNC0xLTEtMA_d21484a4-829a-4052-ab36-31894a56b76b">91,087</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ifacec9f35c9b467d86fcde553e26c62d_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzYtNi0xLTEtMA_9a00b838-4dcf-4de9-bdbc-403645a6e163">77,350</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivatives recorded in interest expense</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ibb701f5ad7334af8bd912a457f03ad65_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzctMi0xLTEtMA_a3edb726-668d-4a61-94c8-d401fe19bcb1">103,431</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i325481706d4240c4accc18d660666afc_D20200101-20201231" decimals="-3" name="us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzctNC0xLTEtMA_bd079b04-05d1-4c8d-80a7-fe4b14257de4">91,419</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifacec9f35c9b467d86fcde553e26c62d_D20190101-20191231" decimals="-3" name="us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzctNi0xLTEtMA_033a3508-8b73-462b-bd63-493bf9c18a08">77,177</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibb701f5ad7334af8bd912a457f03ad65_D20210101-20211231" decimals="-3" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzgtMi0xLTEtMA_dc49154b-ba96-45c1-9cdf-7475283aa13d">85,869</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i325481706d4240c4accc18d660666afc_D20200101-20201231" decimals="-3" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzgtNC0xLTEtMA_82853ff0-0cad-431e-a629-24597a1b703c">72,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ifacec9f35c9b467d86fcde553e26c62d_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzgtNi0xLTEtMA_19b44280-df06-4d20-8880-1d90cdb0e72b">8,979</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Cash Flow Hedges</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest rate swaps:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Amount of gain (loss) reclassified from accumulated other comprehensive income into interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i39e6bf2bff224274b01f65576ae98e4a_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzEyLTItMS0xLTA_663d4fbc-58e3-42e9-914d-90f54db3ccb0">20,852</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5c7994ed19a0496faea1aa22efd75844_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzEyLTQtMS0xLTA_cc879b57-04a3-4e92-aa9a-e570e39bb6bf">16,000</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifb5b3e29254549b29fab9fd1bea5f1b1_D20190101-20191231" decimals="-3" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzEyLTYtMS0xLTA_4377afe3-9122-446d-a50a-3dd8b264cb7d">2,299</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i39e6bf2bff224274b01f65576ae98e4a_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzEzLTItMS0xLTA_bb7cb677-e638-4643-bea9-9848ea15a3c1">20,852</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5c7994ed19a0496faea1aa22efd75844_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzEzLTQtMS0xLTA_4b482db3-98c3-4d3f-ac58-844d3b808ef9">16,000</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifb5b3e29254549b29fab9fd1bea5f1b1_D20190101-20191231" decimals="-3" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzEzLTYtMS0xLTA_3f652719-99ca-4da2-998b-a8ba4d75c6e3">2,299</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Trading</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest rate swaps:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in fair value of future interest payments recorded in earnings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i9f0bcad5c25149398f3ee2e48c65d875_D20210101-20211231" decimals="-3" sign="-" name="slm:DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzE3LTItMS0xLTA_871f2786-1bc7-4092-b8e9-f0cf55945c0d">23,216</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib760cf3260bb468aa89ea31a19436497_D20200101-20201231" decimals="-3" name="slm:DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzE3LTQtMS0xLTA_28534837-a1cc-4ae5-b0b8-9163f9f68b12">10,164</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i47194c9a918a459f88654ea93bb5de8c_D20190101-20191231" decimals="-3" name="slm:DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzE3LTYtMS0xLTA_e58567cf-c2b3-4f2c-9a59-420d72b9b746">19,469</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i9f0bcad5c25149398f3ee2e48c65d875_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzE4LTItMS0xLTA_e6ac639e-6c3e-4698-bb3c-c085fb812537">23,216</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib760cf3260bb468aa89ea31a19436497_D20200101-20201231" decimals="-3" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzE4LTQtMS0xLTA_445bfbcf-67bd-4486-99c8-2cfe27a9a09d">10,164</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i47194c9a918a459f88654ea93bb5de8c_D20190101-20191231" decimals="-3" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzE4LTYtMS0xLTA_0666f63e-a722-42a5-b55b-980c9aa89a53">19,469</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzE5LTItMS0xLTA_8f22bbcd-aba5-4b59-b2f7-2a3fe59882a5">41,801</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTowMzA0NGI2YTU4OTQ0NTVjYmYwNGQ4NGNjYWRmNTEyMS90YWJsZXJhbmdlOjAzMDQ0YjZhNTg5NDQ1NWNiZjA0ZDg0Y2NhZGY1MTIxXzE5LTQtMS0xLTA_38ce230e-5c4c-4c0f-9a88-e25ad53806f5">66,164</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" 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</span></div></ix:continuation><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-65</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.096%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.979%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.525%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">12.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Derivative Financial Instruments (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="margin-top:9pt;padding-left:92.25pt"><span><br/></span></div><ix:continuation id="ieb80e5554a994cf4afd6c51f4ee28aa0"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzEwMjUy_b57d1a8a-3c4b-4374-a9af-84223a35ae34" escape="true"><div style="padding-left:36pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Impact of Derivatives on the Statements of Changes in Stockholders&#8217; Equity</span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.694%"><tr><td style="width:1.0%"></td><td style="width:55.139%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.906%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.352%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.028%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.355%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Amount of gain (loss) recognized in other comprehensive income (loss)</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTozZmE5OTQxNTM5NmE0M2ZjODFiNjgwMjczMjY5MTEyMi90YWJsZXJhbmdlOjNmYTk5NDE1Mzk2YTQzZmM4MWI2ODAyNzMyNjkxMTIyXzItMi0xLTEtMA_84664666-81cc-4b2c-b692-dd87befa1f27">27,259</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTozZmE5OTQxNTM5NmE0M2ZjODFiNjgwMjczMjY5MTEyMi90YWJsZXJhbmdlOjNmYTk5NDE1Mzk2YTQzZmM4MWI2ODAyNzMyNjkxMTIyXzItNC0xLTEtMA_bda6ddae-3c3f-444b-a1ca-18e3e5685039">52,511</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTozZmE5OTQxNTM5NmE0M2ZjODFiNjgwMjczMjY5MTEyMi90YWJsZXJhbmdlOjNmYTk5NDE1Mzk2YTQzZmM4MWI2ODAyNzMyNjkxMTIyXzItNi0xLTEtMA_bf7e4dfa-6f64-4c50-b430-db92749abaa7">36,115</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: Amount of gain (loss) reclassified in interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="slm:ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" 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#000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" sign="-" name="slm:ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTozZmE5OTQxNTM5NmE0M2ZjODFiNjgwMjczMjY5MTEyMi90YWJsZXJhbmdlOjNmYTk5NDE1Mzk2YTQzZmM4MWI2ODAyNzMyNjkxMTIyXzQtNC0xLTEtMA_a0fe5913-0266-432c-ba2d-6ee8fdc885bb">36,511</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="slm:ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90YWJsZTozZmE5OTQxNTM5NmE0M2ZjODFiNjgwMjczMjY5MTEyMi90YWJsZXJhbmdlOjNmYTk5NDE1Mzk2YTQzZmM4MWI2ODAyNzMyNjkxMTIyXzQtNi0xLTEtMA_843eb7be-83a1-46fc-981a-2a6e93547309">38,414</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric><div style="padding-left:18pt;padding-right:18pt;text-align:center"><span><br/></span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Cash Collateral</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021, cash collateral held and pledged excludes amounts that represent legal settlement of the derivative contracts held with the CME and LCH. There was no cash collateral held by us related to derivative exposure between us and our derivatives counterparties at December 31, 2021 and 2020, respectively. Collateral held is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheets. Cash collateral pledged related to derivative exposure between us and our derivatives counterparties was $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimCash" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzEwMDQw_bca9be00-9f35-4db5-85bd-dd3ccca5590a">10</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimCash" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzEwMDU1_d64366b3-1563-453f-8be4-ca71e0279ad7">43</ix:nonFraction> million at December 31, 2021 and 2020, respectively. Collateral pledged is recorded in &#8220;Other interest-earning assets&#8221; on the consolidated balance sheets.</span></div></ix:continuation><div id="i35472170320a48e7aebfc3743129a2e0_130"></div><div style="margin-top:14pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">13.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:StockholdersEquityNoteDisclosureTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzgwMDM_335b15b3-2cfa-49a7-afa2-5303fa3491ff" continuedAt="i0b6e9a65acee4d4a84a552b5f3ad626c" escape="true">Stockholders&#8217; Equity</ix:nonNumeric></span></div><ix:continuation id="i0b6e9a65acee4d4a84a552b5f3ad626c" continuedAt="i25d914064b624f9cb6ad27836318ddbe"><div style="margin-top:4.5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Preferred Stock </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2021, we had <ix:nonFraction unitRef="shares" contextRef="ic40898de7b5c481cb1262c7c27b005d3_I20211231" decimals="0" name="us-gaap:PreferredStockSharesOutstanding" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzc1_339f076d-11f9-4a04-bc67-7c13a9284489">2.5</ix:nonFraction>&#160;million shares of Floating-Rate Non-Cumulative Preferred Stock, Series B (the &#8220;Series B Preferred Stock&#8221;) outstanding. The Series B Preferred Stock does not have a maturity date, but can be redeemed at our option. Redemption would include any accrued and unpaid dividends for the then current quarterly dividend period, up to the redemption date. The shares have no preemptive or conversion rights and are not exchangeable for any of our other securities or property. Dividends are not mandatory and are paid quarterly, when, as, and if declared by the Board of Directors. Holders of Series B Preferred Stock are entitled to receive quarterly dividends based on 3-month LIBOR plus <ix:nonFraction unitRef="number" contextRef="ibbd35c29e718449bb86a60a03ddf0f9d_D20210101-20211231" decimals="3" name="us-gaap:PreferredStockDividendRatePercentage" scale="-4" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzc1OQ_c87aab42-d448-4678-b0bc-541756d97104">170</ix:nonFraction> basis points per annum in arrears. Upon liquidation or dissolution of the Company, holders of the Series B Preferred Stock are entitled to receive $<ix:nonFraction unitRef="usdPerShare" contextRef="ic40898de7b5c481cb1262c7c27b005d3_I20211231" decimals="0" name="us-gaap:PreferredStockLiquidationPreference" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzkxMA_c80042d7-a6b7-45d5-bd86-b74e435cc83c">100</ix:nonFraction> per share, plus an amount equal to accrued and unpaid dividends for the then current quarterly dividend period, pro rata, and before any distribution of assets is made to holders of our common stock. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In October 2020, we initiated a cash tender offer to purchase up to <ix:nonFraction unitRef="shares" contextRef="iaa075215922d43fb82f9e27a131024fb_I20201031" decimals="0" name="us-gaap:CommonStockSharesAuthorized" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzExODI_8bf27648-1d8b-4535-b79b-79e3d7a5fada">2,000,000</ix:nonFraction> shares of our Series B Preferred Stock. On November 30, 2020, we accepted for purchase <ix:nonFraction unitRef="shares" contextRef="id74375f27eb241afb97883b8d5169748_I20201130" decimals="0" name="us-gaap:CommonStockSharesIssued" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEyNzI_2f174bb6-ac05-4dfb-883e-cec862204ac8">1,489,304</ix:nonFraction> shares of the Series B Preferred Stock at a purchase price of $<ix:nonFraction unitRef="usdPerShare" contextRef="id74375f27eb241afb97883b8d5169748_I20201130" decimals="2" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEzMzc_cce03dff-71e3-418a-80cd-0236cbf85330">45</ix:nonFraction> per share plus an amount equal to accrued and unpaid dividends, for an aggregate purchase price of approximately $<ix:nonFraction unitRef="usd" contextRef="id74375f27eb241afb97883b8d5169748_I20201130" decimals="-6" name="us-gaap:CommonStockValue" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzE0NTM_ff6464d3-bea0-4916-8b2c-16f9924f6325">68</ix:nonFraction>&#160;million. </span></div><div style="margin-top:4.5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Common Stock </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our shareholders have authorized the issuance of <ix:nonFraction unitRef="shares" contextRef="ic7920eef71ab488282bddb02024b4a03_I20211231" decimals="0" name="us-gaap:CommonStockSharesAuthorized" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzE1MjE_7f810fb7-808e-48b0-adf5-ce0573421661">1.125</ix:nonFraction> billion shares of common stock (par value of $0<ix:nonFraction unitRef="usdPerShare" contextRef="ic7920eef71ab488282bddb02024b4a03_I20211231" decimals="2" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzE1NzE_4c181935-91cf-4938-b556-d6e78554c742">.20</ix:nonFraction>). At December&#160;31, 2021, <ix:nonFraction unitRef="shares" contextRef="ic7920eef71ab488282bddb02024b4a03_I20211231" decimals="0" name="us-gaap:CommonStockSharesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzE1OTY_0884f8dd-8a24-47e5-b4aa-c8acbde85858"><ix:nonFraction unitRef="shares" contextRef="ic7920eef71ab488282bddb02024b4a03_I20211231" decimals="0" name="us-gaap:CommonStockSharesOutstanding" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzE1OTY_dd0095bd-f511-42d5-ae6c-dd3f8ceba2ef">279</ix:nonFraction></ix:nonFraction>&#160;million shares were issued and outstanding and <ix:nonFraction unitRef="shares" contextRef="ic7920eef71ab488282bddb02024b4a03_I20211231" decimals="0" name="slm:CommonSharesUnissuedButEncumbered" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzE2NDY_b006f62f-f5e8-4dca-b2bc-39c5b5a71c0d">41</ix:nonFraction>&#160;million shares were unissued but encumbered for outstanding stock options, restricted stock, restricted stock units, performance stock units, and dividend equivalent units for employee compensation and remaining authority for stock-based compensation plans. </span></div><div style="margin-top:4.5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Common Stock Dividends</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the year ended December 31, 2021, we paid a total common stock dividend of $<ix:nonFraction unitRef="usdPerShare" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="us-gaap:CommonStockDividendsPerShareCashPaid" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzM4NDgyOTA3Mjk4ODE_8bc2b52d-4a1a-4f99-9486-0ae7f77313c6">0.20</ix:nonFraction> per common share. In both years ended December 31, 2020 and 2019, we paid a total common stock dividend of $<ix:nonFraction unitRef="usdPerShare" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="2" name="us-gaap:CommonStockDividendsPerShareCashPaid" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzIwMzE_9720440f-b79b-43f0-ab68-98869c8c0f0f"><ix:nonFraction unitRef="usdPerShare" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="2" name="us-gaap:CommonStockDividendsPerShareCashPaid" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzIwMzE_977d7259-5762-4091-a4de-1a7e5c567393">0.12</ix:nonFraction></ix:nonFraction> per common share, respectively. Common stock dividend declarations are subject to determination by, and the discretion of, our Board of Directors. We may change our common stock dividend policy at any time. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are dependent on funds obtained from the Bank to fund dividend payments. Regulatory and other legal restrictions may limit our ability to transfer funds freely, either to or from our subsidiaries. In particular, the Bank is subject to laws and regulations that authorize regulatory bodies to block or reduce the flow of funds to us, or that prohibit such transfers altogether in certain circumstances. These laws, regulations, and rules may hinder our ability to access funds that we may need to make payments in respect of our stock or to satisfy our other responsibilities. The FDIC has the authority to prohibit or limit the payment of dividends by the Bank and SLM Corporation.</span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-66  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:2.847%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.221%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">13.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Stockholders&#8217; Equity (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i25d914064b624f9cb6ad27836318ddbe" continuedAt="i48ace0ba029f4bcf95fa6efd4a5bd745"><div style="margin-top:4.5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Share Repurchases</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The January 23, 2019 share repurchase program (the &#8220;2019 Share Repurchase Program&#8221;), which was effective upon announcement and expired on January 22, 2021, permitted us to repurchase from time to time shares of our common stock up to an aggregate repurchase price not to exceed $<ix:nonFraction unitRef="usd" contextRef="icc2a769149ad4ab7b9a1cc7f57feb3ea_I20190123" decimals="0" name="us-gaap:StockRepurchaseProgramAuthorizedAmount1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzMyNzg_92ef002a-b7b7-46a9-9522-13697f3c2eba">200</ix:nonFraction> million. We have utilized all capacity under our 2019 Share Repurchase Program, having repurchased <ix:nonFraction unitRef="shares" contextRef="if7d0a6d8a4614440a63096e5a3225abb_D20190101-20191231" decimals="0" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzMzNzI_1b44cfe5-e71d-4860-9135-116b1b317402">17</ix:nonFraction> million shares of common stock for $<ix:nonFraction unitRef="usd" contextRef="if7d0a6d8a4614440a63096e5a3225abb_D20190101-20191231" decimals="-6" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzM0MDI_89e4b7f6-4068-4c4a-a706-c34099042b4f">167</ix:nonFraction> million in the year ended December&#160;31, 2019 and <ix:nonFraction unitRef="shares" contextRef="i4ba9ed4a6aa64972b8e9a6e533193502_D20200101-20201231" decimals="-6" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzM0NTM_c1e0185d-9e4e-46dc-b744-2b11a720a1ff">3</ix:nonFraction>&#160;million shares of common stock for $<ix:nonFraction unitRef="usd" contextRef="i4ba9ed4a6aa64972b8e9a6e533193502_D20200101-20201231" decimals="-6" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzM0ODM_192c2f1c-9b3d-4232-af6d-6c7d7381037c">33</ix:nonFraction>&#160;million in the year ended December 31, 2020. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 22, 2020, we announced another share repurchase program (the &#8220;2020 Share Repurchase Program&#8221;), which was effective upon announcement and expires on January 21, 2022, and permits us to repurchase shares of common stock from time to time up to an aggregate repurchase price not to exceed $<ix:nonFraction unitRef="usd" contextRef="i3a420305c73b41ca9f95a0b6f43ce966_I20200122" decimals="0" name="us-gaap:StockRepurchaseProgramAuthorizedAmount1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzM4MTk_26e8364d-d232-4c00-908a-6a7cc79f480f">600</ix:nonFraction> million. </span></div><div style="margin-top:4pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Under the authority of the 2020 Share Repurchase Program, on March 10, 2020, we entered into an accelerated share repurchase agreement (&#8220;ASR&#8221;) with a third-party financial institution under which we paid $<ix:nonFraction unitRef="usd" contextRef="i1ac6711380ba4917a5dd83c02d640a7f_D20200310-20200310" decimals="-6" name="us-gaap:TreasuryStockValueAcquiredCostMethod" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzQwMjg_132a2466-545a-45c0-b5c7-8a07feee4920">525</ix:nonFraction>&#160;million for an upfront delivery of our common stock and a forward agreement. On March 11, 2020, the third-party financial institution delivered to us approximately <ix:nonFraction unitRef="shares" contextRef="i3ef2f21654eb4dda8b2c0857981a2451_D20200311-20200311" decimals="-5" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzQxODc_bdf9c26f-c1d1-4400-9d7f-5d03c158ddfc">45</ix:nonFraction>&#160;million shares. The final total actual number of shares of common stock delivered to us pursuant to the forward agreement was based generally upon a volume-weighted average price at which the shares of our common stock traded during the regular trading sessions on the NASDAQ Global Select Market during the term of the ASR. The transactions were accounted for as equity transactions and were included in treasury stock when the shares were received, at which time there was an immediate reduction in the weighted average common shares calculation for basic and diluted earnings per share. On January 26, 2021, we completed the ASR and upon final settlement on January 28, 2021, we received an additional <ix:nonFraction unitRef="shares" contextRef="i804d4775993642bd9642c37ac240f06a_D20210128-20210128" decimals="0" name="slm:TreasuryStockSharesAcquiredAdditionalSharesReceived" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzQ5MTE_2b56f2f5-b06b-4371-9931-ba5d5ebd2f9b">13</ix:nonFraction>&#160;million shares. In total, we repurchased <ix:nonFraction unitRef="shares" contextRef="id35ab037c91a4773a6dc53951048e97e_D20200311-20210128" decimals="0" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzQ5NDc_0959f714-9133-4351-a6a3-ff60e8af3b25">58</ix:nonFraction>&#160;million shares under the ASR at an average price per share of $<ix:nonFraction unitRef="usdPerShare" contextRef="id35ab037c91a4773a6dc53951048e97e_D20200311-20210128" decimals="2" name="us-gaap:TreasuryStockAcquiredAverageCostPerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzUwMDQ_e99418f8-71b5-4179-970b-c8b59e10603a">9.01</ix:nonFraction>. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Under the 2020 Share Repurchase Program, we also repurchased an additional <ix:nonFraction unitRef="shares" contextRef="i293bd69e682449a0a931ec750a6bcae1_D20210101-20210331" decimals="-6" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NDc5OTY_86ec2b9f-874c-4937-9b56-981d326ff1eb">4</ix:nonFraction>&#160;million shares of common stock for $<ix:nonFraction unitRef="usd" contextRef="i293bd69e682449a0a931ec750a6bcae1_D20210101-20210331" decimals="-6" name="us-gaap:TreasuryStockValueAcquiredCostMethod" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NDgwMjM_b54c55ba-fa40-46b0-a9ba-46eca2045e43">75</ix:nonFraction>&#160;million in the three months ended March 31, 2021. We have now utilized all capacity under the 2020 Share Repurchase Program. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 27, 2021, we announced another share repurchase program (the &#8220;2021 Share Repurchase Program&#8221;), which was effective upon announcement and expires on January 26, 2023, and originally permitted us to repurchase shares of our common stock from time to time up to an aggregate repurchase price not to exceed $<ix:nonFraction unitRef="usd" contextRef="ia92f1a0d6b2e46979b057f86367a1e25_I20210127" decimals="-7" name="us-gaap:StockRepurchaseProgramAuthorizedAmount1" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzU0MTQ_3f80bb1b-8462-418d-badb-e8c9810ba2da">1.25</ix:nonFraction>&#160;billion.  </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On October 20 2021, we announced a $<ix:nonFraction unitRef="usd" contextRef="if2fbba7c283643eebff343f62b07bf4f_I20211020" decimals="0" name="slm:StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTA1MjM_53c3d723-b0f6-4d15-a398-48d68ccdc23f">250</ix:nonFraction>&#160;million increase in the amount of common stock that may be repurchased under our 2021 Share Repurchase Program, which expires on January 26, 2023. This is in addition to the original $<ix:nonFraction unitRef="usd" contextRef="ia92f1a0d6b2e46979b057f86367a1e25_I20210127" decimals="-7" name="us-gaap:StockRepurchaseProgramAuthorizedAmount1" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTA1NTM_2050a650-7d3c-429d-bf0f-46974a712948">1.25</ix:nonFraction>&#160;billion of authorization announced on January 27, 2021, for a total 2021 Share Repurchase Program authorization of $<ix:nonFraction unitRef="usd" contextRef="if2fbba7c283643eebff343f62b07bf4f_I20211020" decimals="-7" name="us-gaap:StockRepurchaseProgramAuthorizedAmount1" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTc5NzU_6a37af28-8782-4f08-a486-5fe316e8e6dc">1.5</ix:nonFraction>&#160;billion.  Of the total $<ix:nonFraction unitRef="usd" contextRef="if2fbba7c283643eebff343f62b07bf4f_I20211020" decimals="-7" name="us-gaap:StockRepurchaseProgramAuthorizedAmount1" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTc5OTQ_0b4aef31-e5fb-42d6-8328-b9f1354f1592">1.5</ix:nonFraction>&#160;billion 2021 Share Repurchase Program authorization, we repurchased <ix:nonFraction unitRef="shares" contextRef="i2d71a750f3404960839acca4dff6f210_D20210101-20211231" decimals="-5" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTc1NDA_ad84e727-6d6a-4407-9fc2-62221002db6b">81.1</ix:nonFraction>&#160;million shares of common stock for $<ix:nonFraction unitRef="usd" contextRef="i2d71a750f3404960839acca4dff6f210_D20210101-20211231" decimals="-6" name="us-gaap:TreasuryStockValueAcquiredCostMethod" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTc1NzE_6ceec57f-c405-4b82-afbd-585236590c74">1.46</ix:nonFraction>&#160;billion in the year ended December 31, 2021. (Those amounts include the shares repurchased under the Tender Offer described below.) There was $<ix:nonFraction unitRef="usd" contextRef="i68eea15b06664739bd1089d85a12040e_I20211231" decimals="-6" name="us-gaap:StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTc5NTU_3ace9800-98b0-4258-a56c-1ca4110f0de8">38</ix:nonFraction>&#160;million of capacity remaining under the 2021 Share Repurchase Program at December 31, 2021. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 26, 2022, we announced a new share repurchase program (the &#8220;2022 Share Repurchase Program&#8221;), which was effective upon announcement and expires on January 25, 2024, and permits us to repurchase shares of our common stock from time to time up to an aggregate repurchase price not to exceed $<ix:nonFraction unitRef="usd" contextRef="ib50459acd0b64b61864de7d5f983b5ab_I20220126" decimals="-7" name="us-gaap:StockRepurchaseProgramAuthorizedAmount1" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzQzOTgwNDY1NDQ5ODk_db4f3585-0b7b-4617-81b0-170c62e8520c">1.25</ix:nonFraction>&#160;billion.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">So long as there is unexpired capacity under a given repurchase program, repurchases under the programs may occur from time to time and through a variety of methods, including tender offers, open market repurchases, repurchases effected through Rule 10b5-1 trading plans, negotiated block purchases, accelerated share repurchase programs, or other similar transactions. The timing and volume of any repurchases under the 2021 Share Repurchase Program and the 2022 Share Repurchase Program will be subject to market conditions, and there can be no guarantee that the Company will repurchase up to the limit of the programs or at all.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%">Common Stock Tender Offer</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 2, 2021, we announced the commencement of a &#8220;modified Dutch Auction&#8221; tender offer (the &#8220;Tender Offer&#8221;) to purchase up to $<ix:nonFraction unitRef="usd" contextRef="i78b5c94a3ffc4c14815627dd882f29ce_I20210202" decimals="0" name="us-gaap:StockRepurchaseProgramAuthorizedAmount1" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzU1MjY_f92b8250-aab7-43a7-8750-7d27235c33b0">1</ix:nonFraction>&#160;billion in aggregate purchase price of our outstanding shares of common stock, par value $<ix:nonFraction unitRef="usdPerShare" contextRef="i78b5c94a3ffc4c14815627dd882f29ce_I20210202" decimals="2" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzU2MTA_aa7c50fd-832d-429f-821b-6d7b5a34ae06">0.20</ix:nonFraction> per share. Pursuant to the Tender Offer, we repurchased <ix:nonFraction unitRef="shares" contextRef="i7a9fdd774fc243d09552f46fe4949051_D20210310-20210310" decimals="-3" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTI1MjM_992fdc29-2e92-4f94-ac1b-1d63695d2d2c">28.5</ix:nonFraction>&#160;million shares at a price of $<ix:nonFraction unitRef="usdPerShare" contextRef="i7a9fdd774fc243d09552f46fe4949051_D20210310-20210310" decimals="2" name="us-gaap:TreasuryStockAcquiredAverageCostPerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTI1NDk_4e18b25c-3ae4-4e15-b8ad-9d6f1e1c1608">16.50</ix:nonFraction> per share. The purchase of shares settled on March 16, 2021, for an aggregate cost of approximately $<ix:nonFraction unitRef="usd" contextRef="ic1e8e3f7d63c48aabe347fa2321aaf4a_D20210316-20210316" decimals="-6" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTI1NzA_501b010d-7bf4-4f4a-921b-55b3d6fda5c4">472</ix:nonFraction>&#160;million, including fees and expenses related to the Tender Offer. We cancelled the <ix:nonFraction unitRef="shares" contextRef="i50c652a128694feb9c3184b483d5423d_D20210316-20210316" decimals="-3" name="us-gaap:TreasuryStockSharesRetired" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTI2MDE_64bc817b-04fe-4628-8caf-d9f5420b6b70">28.5</ix:nonFraction>&#160;million shares purchased in connection with the Tender Offer. This cancellation decreased the balances of common stock by $<ix:nonFraction unitRef="usd" contextRef="i05dfee506a8c4eb1a9881e79abf7835c_D20210101-20211231" decimals="-3" name="us-gaap:TreasuryStockRetiredCostMethodAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTI2MzA_0aa97c26-7bc6-457b-92eb-98ec3546ecdd">6</ix:nonFraction>&#160;million and of additional paid-in capital by $<ix:nonFraction unitRef="usd" contextRef="id3f57df4d1db49b081161300a26a8eeb_D20210101-20211231" decimals="-6" name="us-gaap:TreasuryStockRetiredCostMethodAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTI2NTk_a7b13c0a-35b7-4d6b-9b1a-e67bc4c84987">466</ix:nonFraction>&#160;million, respectively. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%">Share Repurchases under our Rule 10b5-1 Trading Plans</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:107%">During the year ended December 31, 2021, we repurchased <ix:nonFraction unitRef="shares" contextRef="if7b7f775277645c4b56ab884384013fb_D20210101-20211231" decimals="-5" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTU5NjQ_9e118469-998e-4941-8aec-43ab6a58cd76">57</ix:nonFraction>&#160;million shares of our common stock at a total cost of $<ix:nonFraction unitRef="usd" contextRef="ibc04f3d8a10944b2b0d3951d69ab24f9_D20211001-20211231" decimals="-6" name="us-gaap:TreasuryStockValueAcquiredCostMethod" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTU5OTU_049efbf1-d406-4d51-b437-b15eda72e679">1.1</ix:nonFraction>&#160;billion under Rule 10b5-1 trading plans authorized under our share repurchase programs. </span></div></ix:continuation><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-67</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:2.847%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.221%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">13.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Stockholders&#8217; Equity (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><ix:continuation id="i48ace0ba029f4bcf95fa6efd4a5bd745" continuedAt="i2aa36b25553442268f26c638e95ca240"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfTreasuryStockByClassTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzc5OTk_a8099e6f-db3a-46ea-9c9e-0164cbfce2a9" continuedAt="id39630ab427d42c3b116dd6a1bb17352" escape="true"><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes our common share repurchases and issuances associated with these programs.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.166%"><tr><td style="width:1.0%"></td><td style="width:54.514%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.707%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.378%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.707%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.080%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.937%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(shares and per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common stock repurchased under repurchase programs</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)(2)(3)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 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style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="0" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90YWJsZTo3OWE2ZWNhYzFjYjc0NjU2YWYwYzJhNzVlM2NkZmZhZC90YWJsZXJhbmdlOjc5YTZlY2FjMWNiNzQ2NTZhZjBjMmE3NWUzY2RmZmFkXzItNC0xLTEtMA_e8e8a3dc-611b-486d-9a6e-d2b41e112928">47,736,847</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="0" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90YWJsZTo3OWE2ZWNhYzFjYjc0NjU2YWYwYzJhNzVlM2NkZmZhZC90YWJsZXJhbmdlOjc5YTZlY2FjMWNiNzQ2NTZhZjBjMmE3NWUzY2RmZmFkXzItNi0xLTEtMA_e251d4c9-6655-477b-a96c-44c69ba837f6">16,962,199</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average purchase price per share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="slm:TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90YWJsZTo3OWE2ZWNhYzFjYjc0NjU2YWYwYzJhNzVlM2NkZmZhZC90YWJsZXJhbmdlOjc5YTZlY2FjMWNiNzQ2NTZhZjBjMmE3NWUzY2RmZmFkXzMtMi0xLTEtMA_b87b3d74-2ee2-4852-a398-4404ddd01919">17.37</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="2" name="slm:TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90YWJsZTo3OWE2ZWNhYzFjYjc0NjU2YWYwYzJhNzVlM2NkZmZhZC90YWJsZXJhbmdlOjc5YTZlY2FjMWNiNzQ2NTZhZjBjMmE3NWUzY2RmZmFkXzMtNC0xLTEtMA_9b0b6018-3c8f-44cb-8adc-512aac5e700f">9.66</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="2" name="slm:TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90YWJsZTo3OWE2ZWNhYzFjYjc0NjU2YWYwYzJhNzVlM2NkZmZhZC90YWJsZXJhbmdlOjc5YTZlY2FjMWNiNzQ2NTZhZjBjMmE3NWUzY2RmZmFkXzMtNi0xLTEtMA_5c6eede4-27dc-4f66-890e-544ab1ba63e6">9.86</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Shares repurchased related to employee stock-based compensation plans</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(5)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="us-gaap:StockRepurchasedDuringPeriodShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90YWJsZTo3OWE2ZWNhYzFjYjc0NjU2YWYwYzJhNzVlM2NkZmZhZC90YWJsZXJhbmdlOjc5YTZlY2FjMWNiNzQ2NTZhZjBjMmE3NWUzY2RmZmFkXzQtMi0xLTEtMA_392b2542-fed6-40c0-a838-5a9884ea1070">1,368,942</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="0" name="us-gaap:StockRepurchasedDuringPeriodShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90YWJsZTo3OWE2ZWNhYzFjYjc0NjU2YWYwYzJhNzVlM2NkZmZhZC90YWJsZXJhbmdlOjc5YTZlY2FjMWNiNzQ2NTZhZjBjMmE3NWUzY2RmZmFkXzQtNC0xLTEtMA_9a410ab9-28e1-4c39-9bf1-f58dc94b3aca">1,197,843</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="0" name="us-gaap:StockRepurchasedDuringPeriodShares" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90YWJsZTo3OWE2ZWNhYzFjYjc0NjU2YWYwYzJhNzVlM2NkZmZhZC90YWJsZXJhbmdlOjc5YTZlY2FjMWNiNzQ2NTZhZjBjMmE3NWUzY2RmZmFkXzQtNi0xLTEtMA_ed1c7698-3a86-443e-8797-ec813dc7e0b6">1,369,630</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average purchase price per share</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="us-gaap:TreasuryStockAcquiredAverageCostPerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90YWJsZTo3OWE2ZWNhYzFjYjc0NjU2YWYwYzJhNzVlM2NkZmZhZC90YWJsZXJhbmdlOjc5YTZlY2FjMWNiNzQ2NTZhZjBjMmE3NWUzY2RmZmFkXzUtMi0xLTEtMA_383839ee-d10b-4b79-a3fd-6d170ac9099c">14.70</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction 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id="id39630ab427d42c3b116dd6a1bb17352" continuedAt="i2b65ae8937f54f5591fe5afd240ce78b"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(6)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160; </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></ix:continuation><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:continuation id="i2b65ae8937f54f5591fe5afd240ce78b">Common shares issued under our various compensation and benefit plans.</ix:continuation> </span></div><div style="margin-top:4.5pt;padding-left:78.75pt;padding-right:36pt;text-indent:-15.75pt"><span><br/></span></div><div style="margin-top:9pt;padding-left:78.75pt;padding-right:36pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:1pt;font-weight:400;line-height:120%">&#160;</span></div></ix:continuation><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i2aa36b25553442268f26c638e95ca240">The closing price of our common stock on the NASDAQ Global Select Market on December&#160;31, 2021 was $<ix:nonFraction unitRef="usdPerShare" contextRef="ic7920eef71ab488282bddb02024b4a03_I20211231" decimals="2" name="us-gaap:SharePrice" scale="0" 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style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_133"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="text-align:center"><span><br/></span></div><div style="margin-top:14pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">14.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:EarningsPerShareTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90ZXh0cmVnaW9uOjJjM2I3ZmQ5ZTQ0MTRkNjg5Y2FiMTNkMTRmZjM0NmM3Xzg4MA_e0ce0e2c-be38-4867-867f-a71b31316296" continuedAt="idea41ee0c8564f1db5e06df01ef9a3a6" escape="true">Earnings per Common Share</ix:nonNumeric></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><ix:continuation id="idea41ee0c8564f1db5e06df01ef9a3a6" continuedAt="i0115d985ac38412089a26b732bb47c9e"><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Basic earnings per common share (&#8220;EPS&#8221;) are calculated using the weighted average number of shares of common stock outstanding during each period. 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style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.472%"><tr><td style="width:1.0%"></td><td style="width:64.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.584%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.732%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.584%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.732%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.584%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.107%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, (amounts in thousands, except per share data)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Numerator:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income</span></td><td 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90YWJsZTo3MzMyZDIzM2E0Mzg0YTVlODhlOWI2NWRiMDcyOTZhYi90YWJsZXJhbmdlOjczMzJkMjMzYTQzODRhNWU4OGU5YjY1ZGIwNzI5NmFiXzUtNi0xLTEtMA_22523ce5-8d86-4dc8-84bf-04831f0b44d0"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90YWJsZTo3MzMyZDIzM2E0Mzg0YTVlODhlOWI2NWRiMDcyOTZhYi90YWJsZXJhbmdlOjczMzJkMjMzYTQzODRhNWU4OGU5YjY1ZGIwNzI5NmFiXzUtNi0xLTEtMA_554e9243-34db-42ad-9531-7f085d2e9b7c">561,439</ix:nonFraction></ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Denominator:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Weighted average shares used to compute basic EPS</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90YWJsZTo3MzMyZDIzM2E0Mzg0YTVlODhlOWI2NWRiMDcyOTZhYi90YWJsZXJhbmdlOjczMzJkMjMzYTQzODRhNWU4OGU5YjY1ZGIwNzI5NmFiXzctMi0xLTEtMA_70febe1d-b01a-44a4-b2e3-72d1cabe61c2">314,993</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90YWJsZTo3MzMyZDIzM2E0Mzg0YTVlODhlOWI2NWRiMDcyOTZhYi90YWJsZXJhbmdlOjczMzJkMjMzYTQzODRhNWU4OGU5YjY1ZGIwNzI5NmFiXzctNC0xLTEtMA_b5bf1d1b-4269-462d-9edb-e1c7a21771ad">383,705</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90YWJsZTo3MzMyZDIzM2E0Mzg0YTVlODhlOWI2NWRiMDcyOTZhYi90YWJsZXJhbmdlOjczMzJkMjMzYTQzODRhNWU4OGU5YjY1ZGIwNzI5NmFiXzctNi0xLTEtMA_e2d6f65c-44e4-4188-a477-9b3ef50acb01">427,292</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Effect of dilutive securities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Dilutive effect of stock options, restricted stock, restricted stock units, performance stock units, and Employee Stock Purchase Plan (&#8220;ESPP&#8221;) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90YWJsZTo3MzMyZDIzM2E0Mzg0YTVlODhlOWI2NWRiMDcyOTZhYi90YWJsZXJhbmdlOjczMzJkMjMzYTQzODRhNWU4OGU5YjY1ZGIwNzI5NmFiXzktNC0xLTEtMA_3ed5463c-5517-415e-a5cd-1294aa78d2da">3,490</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90YWJsZTo3MzMyZDIzM2E0Mzg0YTVlODhlOWI2NWRiMDcyOTZhYi90YWJsZXJhbmdlOjczMzJkMjMzYTQzODRhNWU4OGU5YjY1ZGIwNzI5NmFiXzktNi0xLTEtMA_37be61e9-9f56-4f76-86b0-a38b4ece2f11">3,382</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Weighted average shares used to compute diluted EPS</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90YWJsZTo3MzMyZDIzM2E0Mzg0YTVlODhlOWI2NWRiMDcyOTZhYi90YWJsZXJhbmdlOjczMzJkMjMzYTQzODRhNWU4OGU5YjY1ZGIwNzI5NmFiXzEwLTItMS0xLTA_8bfa8898-83ba-4fc1-85a7-f95d019ea266">319,912</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90YWJsZTo3MzMyZDIzM2E0Mzg0YTVlODhlOWI2NWRiMDcyOTZhYi90YWJsZXJhbmdlOjczMzJkMjMzYTQzODRhNWU4OGU5YjY1ZGIwNzI5NmFiXzEwLTQtMS0xLTA_122b885e-c1bf-4c82-9964-6cf1a39e7ce5">387,195</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90YWJsZTo3MzMyZDIzM2E0Mzg0YTVlODhlOWI2NWRiMDcyOTZhYi90YWJsZXJhbmdlOjczMzJkMjMzYTQzODRhNWU4OGU5YjY1ZGIwNzI5NmFiXzEwLTYtMS0xLTA_978fa63f-07b0-429f-8bed-70e7bc20ad8e">430,674</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Basic earnings per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 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contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90YWJsZTo3MzMyZDIzM2E0Mzg0YTVlODhlOWI2NWRiMDcyOTZhYi90YWJsZXJhbmdlOjczMzJkMjMzYTQzODRhNWU4OGU5YjY1ZGIwNzI5NmFiXzE0LTItMS0xLTA_d58470b2-d4ac-403c-84bc-4060d888af5b">3.61</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90YWJsZTo3MzMyZDIzM2E0Mzg0YTVlODhlOWI2NWRiMDcyOTZhYi90YWJsZXJhbmdlOjczMzJkMjMzYTQzODRhNWU4OGU5YjY1ZGIwNzI5NmFiXzE0LTYtMS0xLTA_f04b55cf-24f4-41d7-8045-47c557eefc7a">1.30</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:1pt;padding-left:279pt;padding-right:279pt;text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="margin-top:1pt;padding-left:261pt;padding-right:261pt;text-align:center"><span><br/></span></div><div style="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Includes the potential dilutive effect of additional common shares that are issuable upon exercise of outstanding stock options, restricted stock, restricted stock units, performance stock units, and the outstanding commitment to issue shares under the ESPP, determined by the treasury stock method.</span></div><div style="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></div></ix:continuation></ix:continuation><div style="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"><ix:continuation id="i0115d985ac38412089a26b732bb47c9e" continuedAt="idab11f433eb9485b9dbf5159417acf9c"><ix:continuation id="i0e84b865687c44eebb61a1acae4a62fe" continuedAt="id2c53db2b3eb4309bdacb31ea9778ccd"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></ix:continuation></ix:continuation><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:continuation id="idab11f433eb9485b9dbf5159417acf9c"><ix:continuation id="id2c53db2b3eb4309bdacb31ea9778ccd">For the years ended December&#160;31, 2021, 2020, and 2019, securities covering <ix:nonFraction unitRef="shares" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90ZXh0cmVnaW9uOjJjM2I3ZmQ5ZTQ0MTRkNjg5Y2FiMTNkMTRmZjM0NmM3XzY4NQ_2ff380f1-3905-41b7-942f-9410a08a9acb">1</ix:nonFraction> million shares, <ix:nonFraction unitRef="shares" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="0" 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outstanding but not included in the computation of diluted earnings per share because they were anti-dilutive.</ix:continuation></ix:continuation> </span></div><div style="margin-top:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-weight:400;line-height:120%">&#160;</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-69</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_136"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">15.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzcwNDA_f9d2c327-6363-4840-9a1f-7f15888a581e" continuedAt="id6021a6e604c4298955a6c4374230892" escape="true">Stock-Based Compensation Plans and Arrangements </ix:nonNumeric></span></div><ix:continuation id="id6021a6e604c4298955a6c4374230892" continuedAt="i5ead099835e44fa5831d061bbf1f0bdf"><div style="margin-top:11pt"><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Plan</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> Summaries </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, we had <ix:nonFraction unitRef="compensation_plan" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="slm:NumberofCompensationPlans" format="ixt-sec:numwordsen" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzEwNA_32e78b98-ae14-4f75-9e94-9bcefc141623">one</ix:nonFraction> active stock-based compensation plan that provides for grants of equity awards to our employees and non-employee directors.  </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The SLM Corporation 2021 Omnibus Incentive Plan was approved by shareholders on June&#160;8, 2021, and at December&#160;31, 2021, <ix:nonFraction unitRef="shares" contextRef="i146d95878f7746e6bbc2a090c6c56608_I20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzEwOTk1MTE2NDM0OTg_b0454d44-ebd3-4bba-904c-7ed1f2a8afad">21</ix:nonFraction>&#160;million shares were authorized to be issued from this plan.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also maintain an Employee Stock Purchase Plan (the &#8220;ESPP&#8221;). The number of shares authorized under the plan at December 31, 2021 was <ix:nonFraction unitRef="shares" contextRef="i8b621d724e5d4b8aa4e2a0e94a25515e_I20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzEwNDE_4c42e0cb-c1ef-47fe-a9a9-b8f647142e6b">14</ix:nonFraction> million shares.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Shares issued under these stock-based compensation plans may be either shares reacquired by us or shares that are authorized but unissued.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Stock-Based Compensation</span></div><div><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The total stock-based compensation cost recognized in the consolidated statements of income for the years ended December&#160;31, 2021, 2020, and 2019 was $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="us-gaap:ShareBasedCompensation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzEyNzk_76b50b04-9f09-4c2f-991e-acdfa1a0e7b6">31</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="us-gaap:ShareBasedCompensation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzEyOTE_3710e238-3e9b-4168-b35d-924eae3d8cc4">36</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-6" name="us-gaap:ShareBasedCompensation" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzEzMDY_a55460e7-deb3-4317-bb7d-142520896fd0">31</ix:nonFraction> million, respectively. As of December&#160;31, 2021, there was $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzEzNjY_31df7cab-1ac4-44e9-ab57-9d953160edea">18</ix:nonFraction> million of total unrecognized compensation expense related to unvested restricted stock awards, restricted stock units, performance stock units, and ESPP awards, which is expected to be recognized over a weighted average period of <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzE1OTk_90306639-e55b-419b-b414-a4daccf1710b">1.4</ix:nonNumeric> years. We amortize compensation expense on a straight-line basis over the related vesting periods of each tranche of each award.</span></div><div style="margin-top:11pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Stock Options</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There were <ix:nonFraction unitRef="shares" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzEwOTk1MTE2NDM5MDE_0f565361-bb5a-4974-ba57-b2db7647b8b1"><ix:nonFraction unitRef="shares" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzEwOTk1MTE2NDM5MDE_2a1570be-1f9b-4580-89dd-a661ba4e5095">no</ix:nonFraction></ix:nonFraction> stock options granted in the years ended December 31, 2020 and 2019.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There were <ix:nonFraction unitRef="shares" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzEwOTk1MTE2MzUxNDQ_189a7288-7995-4caa-b006-84a53b48120c">998,891</ix:nonFraction> time-vested options granted in the year ended December 31, 2021. The options were granted solely to members of senior management. The exercise price of the options is equal to <ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="slm:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzM4NDgyOTA3MjM2OTA_2f5c9836-613d-4979-9d43-5998b71f1f13">115</ix:nonFraction> percent of the fair market value of a share of our common stock as of the grant date. The options will vest <ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzM4NDgyOTA3MjM2OTE_3cdf84af-99f8-4c77-a472-4365335d9c89">100</ix:nonFraction> percent on the third anniversary of the respective grant date and expire ten years after the respective grant date. The fair value of each stock option grant was estimated on the date of grant using the Monte Carlo simulation-pricing model. The expected volatility of our common stock at the date of grant is estimated based on a historic volatility rate and the expected option life is calculated based on historical stock option experience as the best estimate of future exercise patterns. The dividend yield assumption is based on historical and anticipated dividend payouts. The risk-free interest rate assumption is based on observed interest rates consistent with the expected life of each stock option grant. </span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-70  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.578%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.490%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">15.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Stock-Based Compensation Plans and Arrangements (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><ix:continuation id="i5ead099835e44fa5831d061bbf1f0bdf" continuedAt="ibd492bd6017d4ca2976113f11bd7117a"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzcwMTE_db09059f-c809-4c84-af90-7b6b5aa5c024" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes stock option activity for the year ended December&#160;31, 2021.</span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">  </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.472%"><tr><td style="width:1.0%"></td><td style="width:42.945%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.022%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.565%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.565%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.568%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands, shares and per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of<br/>Options</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted<br/>Average<br/>Exercise<br/>Price&#160;per<br/>Share</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted<br/>Average<br/>Remaining<br/>Contractual<br/>Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregate</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Intrinsic</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Value</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</span></div></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Outstanding at December&#160;31, 2020</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzEtMS0xLTEtMA_c55ca77b-f91c-4879-afde-9160c1f981c6">241,675</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzEtMy0xLTEtMA_0ba05538-5a12-44ed-ba73-784ab1dd7192">5.24</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzItMS0xLTEtMA_61808f5c-a3ce-4478-827a-486668647e44">998,891</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzItMy0xLTEtMA_4c52e63f-5d91-41ea-a77c-0bf37758f695">17.65</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Exercised</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)(3)</span></div></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzMtMS0xLTEtMA_bcfab2bc-d440-4443-a95e-18e7f47f5c07">236,275</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzMtMy0xLTEtMA_56d4543e-09fd-43c0-a930-b1256be54bc6">5.24</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Canceled</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzQtMS0xLTEtMA_1bec2637-206c-4bb9-abdc-6483873ffea3">5,400</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzQtMy0xLTEtMA_bd0a2656-60ec-4adc-ae7d-f2fc0ada82f3">5.24</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Outstanding at December&#160;31, 2021</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzUtMS0xLTEtMA_33e8e4aa-dd24-42a8-9dc0-8b9e05e2ad81">998,891</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzUtMy0xLTEtMA_a4c3386c-7e09-4b48-a13a-5a7c49a04b35">17.65</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzUtNS0xLTEtMA_12e07485-f475-4af6-aa79-6a1c3921fad8">2.0</ix:nonNumeric></span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzUtNy0xLTEtMA_3bb4d322-3966-4152-8305-d47c5bddffd9">2,018</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Exercisable at December&#160;31, 2021</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" format="ixt:fixed-zero" scale="0" 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double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzYtMy0xLTEtMA_fd4cc13b-e271-4d24-ae61-6f3b401dde6b">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" format="ixt-sec:duryear" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo4ZTEyODllMzE5MjI0OWM4ODhiNzE1OTJiMjk3YzI3OC90YWJsZXJhbmdlOjhlMTI4OWUzMTkyMjQ5Yzg4OGI3MTU5MmIyOTdjMjc4XzYtNy0xLTEtMA_10008041-c87e-42ad-8666-c6228423e7e8">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:9pt;padding-right:45pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">&#160;&#160;&#160;&#160;</span></div><div style="margin-top:9pt;padding-left:103.5pt;padding-right:49.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The aggregate intrinsic value represents the total intrinsic value (the aggregate difference between our closing stock price on December&#160;31, 2021 and the exercise price of in-the-money options) that would have been received by the option holders if all in-the-money options had been exercised on December&#160;31, 2021.</span></div><div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The total intrinsic value of options exercised was $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzMwODQ_45ae1310-3073-4936-bb48-098a73bdf28b">2</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzMwOTY_6b02f251-c7e4-4384-bada-5dd89a9b03c7">3</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-6" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzMxMTI_a265ef27-12c1-4351-b0bb-ce337202e077">4</ix:nonFraction> million for the years ended December&#160;31, 2021, 2020, and 2019, respectively.</span></div><div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="us-gaap:ProceedsFromStockOptionsExercised" format="ixt:fixed-zero" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzMxODU_46c28610-f3c1-4e5d-bd65-14d3de471c3e">No</ix:nonFraction> cash was received from option exercises for the year ended December&#160;31, 2021. 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Outstanding restricted stock is entitled to dividend equivalent units that vest subject to the same vesting requirements or lapse of transfer restrictions, as applicable, as the underlying restricted stock award. The fair value of restricted stock awards is based on our stock price at the grant date.</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfNonvestedShareActivityTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzcwMjI_03e0694a-266d-4666-99dd-d2fe2b49fb34" escape="true"><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes restricted stock activity for the year ended December&#160;31, 2021. </span></div><div style="text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.194%"><tr><td style="width:1.0%"></td><td style="width:56.179%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.663%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.993%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.665%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Shares and per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number&#160;of<br/>Shares</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted<br/>Average&#160;Grant<br/>Date<br/>Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-vested at December 31, 2020</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="ib5d9e4d47f2a4d2aa46fdf84489b1cb4_I20201231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTplZGVhYjc1NGZlOGM0OTdmOTgxM2QwYzY0NzExMGE5YS90YWJsZXJhbmdlOmVkZWFiNzU0ZmU4YzQ5N2Y5ODEzZDBjNjQ3MTEwYTlhXzEtMS0xLTEtMA_b86bc5f2-3f11-4203-87ae-e2747125f419">143,033</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="ib5d9e4d47f2a4d2aa46fdf84489b1cb4_I20201231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTplZGVhYjc1NGZlOGM0OTdmOTgxM2QwYzY0NzExMGE5YS90YWJsZXJhbmdlOmVkZWFiNzU0ZmU4YzQ5N2Y5ODEzZDBjNjQ3MTEwYTlhXzEtMy0xLTEtMA_78409834-9d57-4a4f-97ac-8d3f5d069e7c">7.69</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="id296ae6ff67f4662946eab0db793ed1f_D20210101-20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTplZGVhYjc1NGZlOGM0OTdmOTgxM2QwYzY0NzExMGE5YS90YWJsZXJhbmdlOmVkZWFiNzU0ZmU4YzQ5N2Y5ODEzZDBjNjQ3MTEwYTlhXzItMS0xLTEtMA_c655f807-fe4a-4cc0-a88c-6c529f1da720">54,098</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="id296ae6ff67f4662946eab0db793ed1f_D20210101-20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTplZGVhYjc1NGZlOGM0OTdmOTgxM2QwYzY0NzExMGE5YS90YWJsZXJhbmdlOmVkZWFiNzU0ZmU4YzQ5N2Y5ODEzZDBjNjQ3MTEwYTlhXzItMy0xLTEtMA_f574d521-bfdd-458d-ba3e-08fb6a931458">20.33</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Vested</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="id296ae6ff67f4662946eab0db793ed1f_D20210101-20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTplZGVhYjc1NGZlOGM0OTdmOTgxM2QwYzY0NzExMGE5YS90YWJsZXJhbmdlOmVkZWFiNzU0ZmU4YzQ5N2Y5ODEzZDBjNjQ3MTEwYTlhXzMtMS0xLTEtMA_0477862d-518e-4fff-a201-1f3f5b3ac5b9">143,033</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="id296ae6ff67f4662946eab0db793ed1f_D20210101-20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTplZGVhYjc1NGZlOGM0OTdmOTgxM2QwYzY0NzExMGE5YS90YWJsZXJhbmdlOmVkZWFiNzU0ZmU4YzQ5N2Y5ODEzZDBjNjQ3MTEwYTlhXzMtMy0xLTEtMA_0d99a005-5a61-4cad-95f6-88e9b2b755df">7.69</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Canceled</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="id296ae6ff67f4662946eab0db793ed1f_D20210101-20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTplZGVhYjc1NGZlOGM0OTdmOTgxM2QwYzY0NzExMGE5YS90YWJsZXJhbmdlOmVkZWFiNzU0ZmU4YzQ5N2Y5ODEzZDBjNjQ3MTEwYTlhXzQtMS0xLTEtMA_11772e93-27e3-416f-b647-724fa2872b3b">4,918</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="id296ae6ff67f4662946eab0db793ed1f_D20210101-20211231" decimals="2" name="slm:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTplZGVhYjc1NGZlOGM0OTdmOTgxM2QwYzY0NzExMGE5YS90YWJsZXJhbmdlOmVkZWFiNzU0ZmU4YzQ5N2Y5ODEzZDBjNjQ3MTEwYTlhXzQtMy0xLTEtMA_e666a6db-34db-4473-9884-5c804013487a">20.33</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-vested at December 31, 2021</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i6161fcc0b4234e3cbfb27bd755c8ee64_I20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTplZGVhYjc1NGZlOGM0OTdmOTgxM2QwYzY0NzExMGE5YS90YWJsZXJhbmdlOmVkZWFiNzU0ZmU4YzQ5N2Y5ODEzZDBjNjQ3MTEwYTlhXzUtMS0xLTEtMA_7f0bce2e-a88e-4fbd-a778-f8644b6e7440">49,180</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i6161fcc0b4234e3cbfb27bd755c8ee64_I20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTplZGVhYjc1NGZlOGM0OTdmOTgxM2QwYzY0NzExMGE5YS90YWJsZXJhbmdlOmVkZWFiNzU0ZmU4YzQ5N2Y5ODEzZDBjNjQ3MTEwYTlhXzUtMy0xLTEtMA_f7cd1e8b-0892-4a6e-b3f5-582c0eaab35a">20.33</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:9pt;padding-left:139.5pt;padding-right:81pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The total fair value of shares that vested during the years ended December&#160;31, 2021, 2020, and 2019 was $<ix:nonFraction unitRef="usd" contextRef="id296ae6ff67f4662946eab0db793ed1f_D20210101-20211231" decimals="-6" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzQwNDI_a176ffc9-4871-46fc-a6d9-4636927e1951">1</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="i7e6fafe029fc4ee0bb14d485c443ebcd_D20200101-20201231" decimals="-6" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzQwNTQ_b5426fc0-f86d-4a90-be53-38f2a8a2f90d">1</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="ib3e05bb9fb384eb99f57dbf04c8c8513_D20190101-20191231" decimals="-6" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzQwNjk_9e21f8f8-b793-446f-8470-4201c1ed8da3">1</ix:nonFraction> million, respectively.</span></div><div style="margin-top:9pt;padding-left:139.5pt;padding-right:81pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">As of December&#160;31, 2021, there was $<ix:nonFraction unitRef="usd" contextRef="i6161fcc0b4234e3cbfb27bd755c8ee64_I20211231" decimals="-5" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzQxMjg_ce7a667c-b200-40b0-8134-7e6d05a9dbb9">0.4</ix:nonFraction> million of unrecognized compensation cost related to restricted stock, which is expected to be recognized over a weighted average period of <ix:nonNumeric contextRef="id296ae6ff67f4662946eab0db793ed1f_D20210101-20211231" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzQyNzE_e84ddd16-c83a-40a9-bd45-3c7d3eeaf964">0.4</ix:nonNumeric> years.</span></div></ix:nonNumeric></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-72  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.578%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.490%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">15.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Stock-Based Compensation Plans and Arrangements (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="icad2229b5c364ee4a39231f8a39b3887" continuedAt="i13e506a2d888441787ad8505f629d814"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Restricted Stock Units and Performance Stock Units </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Restricted stock units (&#8220;RSUs&#8221;) and performance stock units (&#8220;PSUs&#8221;) are equity awards granted to employees that entitle the holder to shares of our common stock when the award vests. RSUs may be time-vested over <ix:nonNumeric contextRef="ia42a9d981281476eb9cc6657bfaa5655_D20210101-20211231" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzQ1Mzk_6dd9aeba-2c7d-403d-94f3-de89d456ebdb">three years</ix:nonNumeric> or vested at grant but subject to transfer restrictions, while PSUs vest based on corporate performance targets at the end of a <ix:nonNumeric contextRef="icde8af6882a84483ab74967e801ad71f_D20210101-20211231" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzM4NDgyOTA3MTE5ODI_4f381eca-6ab5-4d75-93c1-c253d6cbf2dc">three-year</ix:nonNumeric> period. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Outstanding RSUs and PSUs are entitled to dividend equivalent units that vest subject to the same vesting requirements or lapse of transfer restrictions, as applicable, as the underlying award. The fair value of RSUs is based on our stock price at the grant date.</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzcwMjc_715c2585-a628-437f-aa4c-932361183659" escape="true"><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes RSU and PSU activity for the year ended December&#160;31, 2021. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.888%"><tr><td style="width:1.0%"></td><td style="width:56.683%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.418%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.979%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.420%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Shares and per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of<br/>RSUs/<br/>PSUs</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted<br/>Average&#160;Grant<br/>Date<br/>Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Outstanding at December&#160;31, 2020</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i716187e8034c4c55b7c5f39f325c8e98_I20201231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo1MDc4ZDVhZDY5ZTc0NmJlYjZiYzg0NDU3ZTQzMzgyZS90YWJsZXJhbmdlOjUwNzhkNWFkNjllNzQ2YmViNmJjODQ0NTdlNDMzODJlXzEtMS0xLTEtMA_9badec72-5539-43c5-bc95-5ab11930ab10">6,721,505</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i716187e8034c4c55b7c5f39f325c8e98_I20201231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo1MDc4ZDVhZDY5ZTc0NmJlYjZiYzg0NDU3ZTQzMzgyZS90YWJsZXJhbmdlOjUwNzhkNWFkNjllNzQ2YmViNmJjODQ0NTdlNDMzODJlXzEtMy0xLTEtMA_2725dd65-2ed3-490c-a15b-d5d3d10ef9fb">10.41</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i7590e6921fd6481981e8cd21a518609a_D20210101-20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo1MDc4ZDVhZDY5ZTc0NmJlYjZiYzg0NDU3ZTQzMzgyZS90YWJsZXJhbmdlOjUwNzhkNWFkNjllNzQ2YmViNmJjODQ0NTdlNDMzODJlXzItMS0xLTEtMA_33bbbc12-823c-43d6-8d6c-44bc25efbf2a">1,673,427</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i7590e6921fd6481981e8cd21a518609a_D20210101-20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo1MDc4ZDVhZDY5ZTc0NmJlYjZiYzg0NDU3ZTQzMzgyZS90YWJsZXJhbmdlOjUwNzhkNWFkNjllNzQ2YmViNmJjODQ0NTdlNDMzODJlXzItMy0xLTEtMA_f9777baa-70a3-4b97-a729-4b3647462df8">15.51</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Vested and converted to common stock</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="i7590e6921fd6481981e8cd21a518609a_D20210101-20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo1MDc4ZDVhZDY5ZTc0NmJlYjZiYzg0NDU3ZTQzMzgyZS90YWJsZXJhbmdlOjUwNzhkNWFkNjllNzQ2YmViNmJjODQ0NTdlNDMzODJlXzMtMS0xLTEtMA_120bb2ce-3651-421b-b907-9c6ab11b26d2">2,944,877</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i7590e6921fd6481981e8cd21a518609a_D20210101-20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo1MDc4ZDVhZDY5ZTc0NmJlYjZiYzg0NDU3ZTQzMzgyZS90YWJsZXJhbmdlOjUwNzhkNWFkNjllNzQ2YmViNmJjODQ0NTdlNDMzODJlXzMtMy0xLTEtMA_ca063817-e4f3-4be8-b32b-2b420c7e0667">10.64</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Canceled</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="i7590e6921fd6481981e8cd21a518609a_D20210101-20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo1MDc4ZDVhZDY5ZTc0NmJlYjZiYzg0NDU3ZTQzMzgyZS90YWJsZXJhbmdlOjUwNzhkNWFkNjllNzQ2YmViNmJjODQ0NTdlNDMzODJlXzQtMS0xLTEtMA_98a84458-65bb-48e9-ab9b-4d3620234b46">141,559</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i7590e6921fd6481981e8cd21a518609a_D20210101-20211231" decimals="2" name="slm:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo1MDc4ZDVhZDY5ZTc0NmJlYjZiYzg0NDU3ZTQzMzgyZS90YWJsZXJhbmdlOjUwNzhkNWFkNjllNzQ2YmViNmJjODQ0NTdlNDMzODJlXzQtMy0xLTEtMA_29618ff1-0c69-4924-be08-a160c4517bc3">12.85</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Outstanding at December&#160;31, 2021</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="i46e90d75f1cd4533a983e5876439c2e3_I20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo1MDc4ZDVhZDY5ZTc0NmJlYjZiYzg0NDU3ZTQzMzgyZS90YWJsZXJhbmdlOjUwNzhkNWFkNjllNzQ2YmViNmJjODQ0NTdlNDMzODJlXzUtMS0xLTEtMA_804615e1-57aa-4795-9ba9-bee13d890a5a">5,308,496</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i46e90d75f1cd4533a983e5876439c2e3_I20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZTo1MDc4ZDVhZDY5ZTc0NmJlYjZiYzg0NDU3ZTQzMzgyZS90YWJsZXJhbmdlOjUwNzhkNWFkNjllNzQ2YmViNmJjODQ0NTdlNDMzODJlXzUtMy0xLTEtMA_b9fc3372-0e70-4f10-a08d-e809c6fb32ad">11.83</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">                                                                               </span></div><div style="margin-top:9pt;padding-left:139.5pt;padding-right:103.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The total fair value of RSUs/PSUs that vested and converted to common stock during the years ended December&#160;31, 2021, 2020, and 2019 was $<ix:nonFraction unitRef="usd" contextRef="i7590e6921fd6481981e8cd21a518609a_D20210101-20211231" decimals="-6" name="slm:FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzUyNjc_d3e8918b-6a8a-45fb-bc82-195fe01ed4d3">31</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="ib9be3f5bfbf7486783fde8edabacae1e_D20200101-20201231" decimals="-6" name="slm:FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzUyNzk_f52bfcdb-7b56-43d6-b642-c80538ab7f32">26</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="i475b0ec230ba4bad84a6b9c84270c7be_D20190101-20191231" decimals="-6" name="slm:FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzUyOTQ_0c128e11-30bc-4324-83fc-580fe6ca6aed">27</ix:nonFraction> million, respectively.</span></div><div style="margin-top:9pt;padding-left:139.5pt;padding-right:103.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">As of December&#160;31, 2021, there was $<ix:nonFraction unitRef="usd" contextRef="i46e90d75f1cd4533a983e5876439c2e3_I20211231" decimals="-6" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzUzNTM_908ea6aa-4cec-4d42-a53f-ab72ddac2178">15</ix:nonFraction> million of unrecognized compensation cost related to RSUs/PSUs, which is expected to be recognized over a weighted average period of <ix:nonNumeric contextRef="i7590e6921fd6481981e8cd21a518609a_D20210101-20211231" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzU0ODk_cc58962d-9ceb-4744-bf27-2c280951e167">1.4</ix:nonNumeric> years.</span></div></ix:nonNumeric><div style="margin-top:9pt;padding-right:81pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;Employee Stock Purchase Plan</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Employees may purchase shares of our common stock at the end of a <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:OfferingPeriodOfEmployeeStockPurchasePlan" format="ixt-sec:durmonth" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzU1ODk_b7733866-7cad-452f-a054-46995e823c99">12</ix:nonNumeric>-month offering period at a price equal to the share price at the beginning of the 12-month period, less <ix:nonFraction unitRef="number" contextRef="i2b46564c0a5d4b2fb8f9a6ca53ba845d_D20210101-20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzU2OTY_79d04bb4-5011-4704-aa76-c8ceb6635f21">15</ix:nonFraction> percent, up to a maximum purchase price of $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="0" name="slm:MaximumContributionAmountPerEmployeeToEspp" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzU3MzQ_818a1bd3-363d-42f7-9f8c-aa61cd4b92a3">7,500</ix:nonFraction> (whole dollars).  The purchase price for each offering is determined at the beginning of the offering period on August 1.</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzcwNzI_a07ffee6-4f06-46d4-83b1-1f55ce07c043" escape="true"><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of the stock purchase rights of the ESPP offerings were calculated using a Black-Scholes option pricing model with the following weighted average assumptions:</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.833%"><tr><td style="width:1.0%"></td><td style="width:49.266%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.834%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.715%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.834%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.715%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.836%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, (per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Risk-free interest rate</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i2b46564c0a5d4b2fb8f9a6ca53ba845d_D20210101-20211231" decimals="4" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" scale="-2" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Expected volatility</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i2b46564c0a5d4b2fb8f9a6ca53ba845d_D20210101-20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZToyN2M2Y2E2ZDdkYTE0YmRiODFiNjkzNWVjOGIwODEyMi90YWJsZXJhbmdlOjI3YzZjYTZkN2RhMTRiZGI4MWI2OTM1ZWM4YjA4MTIyXzMtMS0xLTEtMA_0e0da99b-7809-441d-9a4c-c26cab417382">34</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ib931b7b23b6a47fdad177e3fb236e1fe_D20200101-20201231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZToyN2M2Y2E2ZDdkYTE0YmRiODFiNjkzNWVjOGIwODEyMi90YWJsZXJhbmdlOjI3YzZjYTZkN2RhMTRiZGI4MWI2OTM1ZWM4YjA4MTIyXzMtMy0xLTEtMA_40262e55-4307-4ec0-9920-7c3920a92a43">49</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i2a4078a7ee6f4cdd9d2080e36eb2dbec_D20190101-20191231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZToyN2M2Y2E2ZDdkYTE0YmRiODFiNjkzNWVjOGIwODEyMi90YWJsZXJhbmdlOjI3YzZjYTZkN2RhMTRiZGI4MWI2OTM1ZWM4YjA4MTIyXzMtNS0xLTEtMA_44ef3927-9588-4461-aeba-0a4a2346404e">29</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Expected dividend rate</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i2b46564c0a5d4b2fb8f9a6ca53ba845d_D20210101-20211231" decimals="4" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZToyN2M2Y2E2ZDdkYTE0YmRiODFiNjkzNWVjOGIwODEyMi90YWJsZXJhbmdlOjI3YzZjYTZkN2RhMTRiZGI4MWI2OTM1ZWM4YjA4MTIyXzQtMS0xLTEtMA_47be8d70-1bf2-455b-9a79-ab431832018e">0.66</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="ib931b7b23b6a47fdad177e3fb236e1fe_D20200101-20201231" decimals="4" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZToyN2M2Y2E2ZDdkYTE0YmRiODFiNjkzNWVjOGIwODEyMi90YWJsZXJhbmdlOjI3YzZjYTZkN2RhMTRiZGI4MWI2OTM1ZWM4YjA4MTIyXzQtMy0xLTEtMA_a0ebef30-dc3b-4503-9afc-09a876332fc8">1.76</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i2a4078a7ee6f4cdd9d2080e36eb2dbec_D20190101-20191231" decimals="4" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZToyN2M2Y2E2ZDdkYTE0YmRiODFiNjkzNWVjOGIwODEyMi90YWJsZXJhbmdlOjI3YzZjYTZkN2RhMTRiZGI4MWI2OTM1ZWM4YjA4MTIyXzQtNS0xLTEtMA_c15e066b-d4e6-4613-b9ac-5d906c9a4c51">1.34</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Expected life of the option</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i2b46564c0a5d4b2fb8f9a6ca53ba845d_D20210101-20211231" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" format="ixt-sec:duryear" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZToyN2M2Y2E2ZDdkYTE0YmRiODFiNjkzNWVjOGIwODEyMi90YWJsZXJhbmdlOjI3YzZjYTZkN2RhMTRiZGI4MWI2OTM1ZWM4YjA4MTIyXzUtMS0xLTEtMA_0cf515d0-e220-4a3c-ada3-e403ad056be9">1</ix:nonNumeric> year</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="ib931b7b23b6a47fdad177e3fb236e1fe_D20200101-20201231" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" format="ixt-sec:duryear" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZToyN2M2Y2E2ZDdkYTE0YmRiODFiNjkzNWVjOGIwODEyMi90YWJsZXJhbmdlOjI3YzZjYTZkN2RhMTRiZGI4MWI2OTM1ZWM4YjA4MTIyXzUtNS0xLTEtMA_5f05cf2b-ab33-4397-ba1c-a076c4b968c2">1</ix:nonNumeric> year</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Weighted average fair value of stock purchase rights</span></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i2b46564c0a5d4b2fb8f9a6ca53ba845d_D20210101-20211231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZToyN2M2Y2E2ZDdkYTE0YmRiODFiNjkzNWVjOGIwODEyMi90YWJsZXJhbmdlOjI3YzZjYTZkN2RhMTRiZGI4MWI2OTM1ZWM4YjA4MTIyXzYtMS0xLTEtMA_4858bf6b-30c0-465f-bed1-2a3f64db2c3b">4.93</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="ib931b7b23b6a47fdad177e3fb236e1fe_D20200101-20201231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZToyN2M2Y2E2ZDdkYTE0YmRiODFiNjkzNWVjOGIwODEyMi90YWJsZXJhbmdlOjI3YzZjYTZkN2RhMTRiZGI4MWI2OTM1ZWM4YjA4MTIyXzYtMy0xLTEtMA_86f7526d-2a3f-4168-b7ad-a1743bf69ba7">1.74</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i2a4078a7ee6f4cdd9d2080e36eb2dbec_D20190101-20191231" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90YWJsZToyN2M2Y2E2ZDdkYTE0YmRiODFiNjkzNWVjOGIwODEyMi90YWJsZXJhbmdlOjI3YzZjYTZkN2RhMTRiZGI4MWI2OTM1ZWM4YjA4MTIyXzYtNS0xLTEtMA_04acc383-e9c7-4eb6-b109-de69841c48f6">1.77</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The expected volatility is based on implied volatility from publicly-traded options on our stock at the grant date and historical volatility of our stock consistent with the expected life. The risk-free interest rate is based on the zero-coupon  U.S. Treasury STRIPS rate at the grant date consistent with the expected life. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values were amortized to compensation cost on a straight-line basis over a <ix:nonNumeric contextRef="i2b46564c0a5d4b2fb8f9a6ca53ba845d_D20210101-20211231" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzM4NDgyOTA3MjM5NTc_479ca644-53cb-48e9-9c0b-e17291b9512f">one-year</ix:nonNumeric> vesting period. As of December&#160;31, 2021, there was less than $<ix:nonFraction unitRef="usd" contextRef="i8b621d724e5d4b8aa4e2a0e94a25515e_I20211231" decimals="-6" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzY2MjI_f566f5c4-d5f0-4645-ae54-8799f5ef3d31">1</ix:nonFraction> million of unrecognized compensation cost related to the ESPP, which is expected to be recognized by July 2022.</span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-73</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.578%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.490%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">15.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Stock-Based Compensation Plans and Arrangements (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i13e506a2d888441787ad8505f629d814">During the year ended December 31, 2021, plan participants purchased approximately <ix:nonFraction unitRef="shares" contextRef="i2b46564c0a5d4b2fb8f9a6ca53ba845d_D20210101-20211231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" format="ixt:num-dot-decimal" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzEwOTk1MTE2MzU0Nzg_560448ee-a27f-4979-9f14-36b4ac0b726b">496,000</ix:nonFraction> shares of our common stock. <ix:nonFraction unitRef="shares" contextRef="i2a4078a7ee6f4cdd9d2080e36eb2dbec_D20190101-20191231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzY3Mzc_4db95625-d6b5-4715-957a-2bd422a9da4a"><ix:nonFraction unitRef="shares" contextRef="ib931b7b23b6a47fdad177e3fb236e1fe_D20200101-20201231" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" format="ixt:fixed-zero" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzY3Mzc_7daab392-9ad7-4368-8c12-29f1448584d7">No</ix:nonFraction></ix:nonFraction> shares were purchased for the years ended December 31, 2020 and 2019, as our stock price on both July 31, 2020 and 2019 was less than the offering price for the ESPP plan.</ix:continuation></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div id="i35472170320a48e7aebfc3743129a2e0_139"></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> 16.   <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:FairValueDisclosuresTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90ZXh0cmVnaW9uOjEzYjE0MGYzMDczYzQ2OTRhZWUxZGJjOGQ2OGYxOTFkXzYwNTQ_f973a66e-96c9-4453-9e9e-9a758cbdb295" continuedAt="if91478b5f46d48d68a30b691cc324985" escape="true">Fair Value Measurements </ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="if91478b5f46d48d68a30b691cc324985" continuedAt="i009c8b35d56841d2ab4ef5aae06fbf9b"><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use estimates of fair value in applying various accounting standards for the consolidated financial statements.  </span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We categorize our fair value estimates based on a hierarchal framework associated with three levels of price transparency utilized in measuring financial instruments at fair value. 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basis.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.111%"><tr><td style="width:1.0%"></td><td style="width:19.853%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.522%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.269%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.522%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.316%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.522%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.269%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.522%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.304%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.522%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.269%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.522%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.304%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.522%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.269%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.522%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.471%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="45" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair&#160;Value&#160;Measurements&#160;on&#160;a&#160;Recurring Basis</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td 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style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6de406cde6fd44c88de9824e1e566510_I20211231" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:fixed-zero" scale="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if6278bdb74c24d8cb993386c3c570998_I20201231" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzUtMTAtMS0xLTA_2953233a-7482-4cf9-921d-f63ff4a96dbb">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i242080a80e804ef5b1b8fa45486e7222_I20201231" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:fixed-zero" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzYtMi0xLTEtMA_05ce95c0-fb7f-438f-a4a2-30be11c5d21a">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6de406cde6fd44c88de9824e1e566510_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzYtNC0xLTEtMA_21a04fa3-f41b-46eb-9a01-bba7f601689a">2,517,956</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic7e77cba55c842e2b8b329cffc5b099f_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzYtNi0xLTEtMA_e45d07ff-21ca-4107-b351-f7eb33668784">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i84ac221dd5354e5ab0f6773739313952_I20211231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzYtOC0xLTEtMA_d0cf77ff-59eb-41ba-a6a0-18664395a305">2,517,956</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if6278bdb74c24d8cb993386c3c570998_I20201231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzYtMTAtMS0xLTA_93961eb1-113b-4a48-b1dc-a1b5be416f9e">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i242080a80e804ef5b1b8fa45486e7222_I20201231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzYtMTItMS0xLTA_bcbaa72a-9ec8-458f-90d1-f2b6e778faae">1,996,634</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id36eafa5968447beb0661ef5dbf32452_I20201231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzYtMTQtMS0xLTA_9fa8a8e6-2c47-4277-bf3e-73682de0f379">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i3b9678e89d8542ed92103b537957b406_I20201231" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzYtMTYtMS0xLTA_2f108163-1f99-40f4-8b9d-3c3bd779d581">1,996,634</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivative instruments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie68e072d3b724bf0b6fee9f676dd9945_I20211231" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzctMi0xLTEtMA_9e64a7e2-944e-40b3-8329-bd26b7960d4a">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6de406cde6fd44c88de9824e1e566510_I20211231" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzctNC0xLTEtMA_7b5f6d43-573b-4a11-97a2-f9bfd95d2a8d">1,322</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic7e77cba55c842e2b8b329cffc5b099f_I20211231" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzctNi0xLTEtMA_bfc3ff96-5dd5-4368-ae18-484575434686">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i84ac221dd5354e5ab0f6773739313952_I20211231" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzctOC0xLTEtMA_d0823de3-72a9-42cf-9cd7-ee351b508ecd">1,322</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if6278bdb74c24d8cb993386c3c570998_I20201231" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzctMTAtMS0xLTA_46131b8b-fea9-4804-b836-7e028cd4e466">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i242080a80e804ef5b1b8fa45486e7222_I20201231" decimals="-3" name="us-gaap:DerivativeAssets" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzctMTItMS0xLTA_f30a821c-f28e-419a-a741-e67960144601">729</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id36eafa5968447beb0661ef5dbf32452_I20201231" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzctMTQtMS0xLTA_f7734c22-bb5c-4f50-9379-1b75bcb0eab1">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i3b9678e89d8542ed92103b537957b406_I20201231" decimals="-3" name="us-gaap:DerivativeAssets" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzctMTYtMS0xLTA_5f41666c-ec19-44f2-a4a1-1609781840f1">729</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie68e072d3b724bf0b6fee9f676dd9945_I20211231" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzgtMi0xLTEtMA_142e8888-563e-4867-998d-d35e9412fb43">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i6de406cde6fd44c88de9824e1e566510_I20211231" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzgtNC0xLTEtMA_8c86535e-d661-4b03-b55f-6df21459762d">2,519,278</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic7e77cba55c842e2b8b329cffc5b099f_I20211231" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzgtNi0xLTEtMA_8d4cc1e6-bbee-4dfb-96e4-2aa1fbdaa6f3">37,465</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i84ac221dd5354e5ab0f6773739313952_I20211231" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzgtOC0xLTEtMA_e94d6be1-c8a7-4abf-b110-ce06eab0b6be">2,556,743</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if6278bdb74c24d8cb993386c3c570998_I20201231" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzgtMTAtMS0xLTA_96d9e4d9-7ca9-4adb-b407-55632c50bf2b">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i242080a80e804ef5b1b8fa45486e7222_I20201231" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzgtMTItMS0xLTA_8f472aa3-3fc8-478a-84a1-c24345246180">1,997,363</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id36eafa5968447beb0661ef5dbf32452_I20201231" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzgtMTQtMS0xLTA_56d3d68a-fa61-4bd4-9524-fde24f8fe026">16,923</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i3b9678e89d8542ed92103b537957b406_I20201231" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzgtMTYtMS0xLTA_ba9e3e7e-ca80-412d-aa66-e8776dff262b">2,014,286</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivative instruments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie68e072d3b724bf0b6fee9f676dd9945_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzExLTItMS0xLTA_1f0f178e-fffa-4d1c-9f4f-dbde5587f0ae">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6de406cde6fd44c88de9824e1e566510_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzExLTQtMS0xLTA_605bd4b4-9901-4c98-833c-dfb963e755d0">252</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic7e77cba55c842e2b8b329cffc5b099f_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzExLTYtMS0xLTA_5e4c1985-bb70-464f-9df4-bd0a7510a22a">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i84ac221dd5354e5ab0f6773739313952_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzExLTgtMS0xLTA_47a048eb-9140-4b84-b3f3-bc475e650078">252</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if6278bdb74c24d8cb993386c3c570998_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzExLTEwLTEtMS0w_c200f721-a7db-409f-a86a-787e0ac396d8">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i242080a80e804ef5b1b8fa45486e7222_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzExLTEyLTEtMS0w_89070f1c-0a52-4705-a14c-dc79022a141f">287</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id36eafa5968447beb0661ef5dbf32452_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzExLTE0LTEtMS0w_c6fe0d39-c091-437c-b3ba-d2fb86471fda">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i3b9678e89d8542ed92103b537957b406_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzExLTE2LTEtMS0w_7b8e1a08-9dd9-4b37-8dd6-2524a8df6836">287</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie68e072d3b724bf0b6fee9f676dd9945_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzEyLTItMS0xLTA_df1ded43-c7b8-44f6-89ad-5fc7fb0a090e">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i6de406cde6fd44c88de9824e1e566510_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzEyLTQtMS0xLTA_e066afb2-f022-4e6b-8593-a80f468fedae">252</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ic7e77cba55c842e2b8b329cffc5b099f_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzEyLTYtMS0xLTA_1aa530ce-f51d-451b-a4f1-781747005cae">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i84ac221dd5354e5ab0f6773739313952_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzEyLTgtMS0xLTA_9a1c6ea6-a4c4-4f42-abe8-5252531b4bca">252</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="if6278bdb74c24d8cb993386c3c570998_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzEyLTEwLTEtMS0w_c3f87a44-39ae-4455-bb6e-4563a490d4fb">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i242080a80e804ef5b1b8fa45486e7222_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzEyLTEyLTEtMS0w_fceaec49-95a4-48e5-aeaa-6ebb374dc7c1">287</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id36eafa5968447beb0661ef5dbf32452_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" 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double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i3b9678e89d8542ed92103b537957b406_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTowYWZjNTAzYjM5YTA0NzM0YWQ4M2NhMGMxMWZmYjE5Ni90YWJsZXJhbmdlOjBhZmM1MDNiMzlhMDQ3MzRhZDgzY2EwYzExZmZiMTk2XzEyLTE2LTEtMS0w_1bb7a408-0e28-4765-bfb2-3cdb2888dc05">287</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric></ix:continuation><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-74  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.578%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.490%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">16.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair Value Measurements (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><span><br/></span></div></div><div style="text-indent:24.75pt"><span><br/></span></div><ix:continuation id="i009c8b35d56841d2ab4ef5aae06fbf9b" continuedAt="iaf59ccbd35f74fe4832f16991ad5b543"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:FairValueByBalanceSheetGroupingTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90ZXh0cmVnaW9uOjEzYjE0MGYzMDczYzQ2OTRhZWUxZGJjOGQ2OGYxOTFkXzYwNTY_bfd5d54e-d93b-49dc-aba8-a080cc592b59" escape="true"><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the fair values of our financial assets and liabilities, including derivative financial instruments.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.694%"><tr><td style="width:1.0%"></td><td style="width:27.927%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.785%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.930%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.075%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.365%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.365%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.503%"></td><td style="width:0.1%"></td></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr style="height:23pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair<br/>Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying<br/>Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Difference</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair<br/>Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying<br/>Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Difference</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Earning assets:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans held for investment, net:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia3c08887bb8442548f6bc63a46436ca7_I20211231" decimals="-3" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzQtNC0xLTEtMA_0d921f6d-e0c4-4d54-8c11-7ebf794d21a9">19,625,374</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5c31cb733d6147868fb182d61bcb860e_I20211231" decimals="-3" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzctMi0xLTEtMA_5f667b22-86e2-4565-82cd-fed6c7f6fa2c">25,037</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifbd52eb99ed14068828e16fb0d2e4725_I20201231" decimals="-3" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzktOC0xLTEtMA_50b8dce4-be67-4484-8030-2baba7f22a54">4,455,292</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id3b37e7e9bfb49ce840f0a9150f19896_I20201231" decimals="-3" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzktMTAtMS0xLTA_91f581d6-392a-47a8-acfa-4def53336eaf">4,455,292</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Trading investments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61a7106387954438be1cf8f047c3dca6_I20211231" decimals="-3" name="us-gaap:TradingSecuritiesDebt" 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style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifbd52eb99ed14068828e16fb0d2e4725_I20201231" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzEwLTgtMS0xLTA_264ac741-f502-4f67-a381-ee92906d9d13">16,923</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifbd52eb99ed14068828e16fb0d2e4725_I20201231" decimals="-3" name="us-gaap:InvestmentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzExLTgtMS0xLTA_63a252eb-9956-400e-b345-e6b6a10a89c3">1,996,634</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id3b37e7e9bfb49ce840f0a9150f19896_I20201231" decimals="-3" name="us-gaap:InvestmentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzExLTEwLTEtMS0w_db2bb3e0-9f9b-4250-a9b3-22d8ca5bdc9c">1,996,634</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accrued interest receivable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61a7106387954438be1cf8f047c3dca6_I20211231" decimals="-3" 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name="slm:AccruedInterestReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzEyLTQtMS0xLTA_aaf0414d-88b0-415d-af62-382f60f4778d">1,205,667</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:AccruedInterestReceivableFairValueDisclosureDifference" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzEyLTYtMS0xLTA_4f0ea40e-da5d-4288-b270-a4dd8e51b565">100,743</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifbd52eb99ed14068828e16fb0d2e4725_I20201231" decimals="-3" name="slm:AccruedInterestReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzEyLTgtMS0xLTA_1cf1b024-e71f-4fe7-95ff-826944477e52">1,527,816</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id3b37e7e9bfb49ce840f0a9150f19896_I20201231" decimals="-3" name="slm:AccruedInterestReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzEyLTEwLTEtMS0w_440b3557-9120-41d9-97a4-8aefce18f669">1,387,305</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idaf3bb628f5d472a8c9e574b932da8c8_I20211231" decimals="-3" name="us-gaap:IncomeTaxReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzEzLTQtMS0xLTA_6de8bec5-2e08-4b14-b996-750f6d5e2be4">8,047</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifbd52eb99ed14068828e16fb0d2e4725_I20201231" decimals="-3" name="us-gaap:IncomeTaxReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzEzLTgtMS0xLTA_e7f71e42-ae3b-4ba3-9b07-a0f71d67ced2">18,492</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id3b37e7e9bfb49ce840f0a9150f19896_I20201231" decimals="-3" name="us-gaap:IncomeTaxReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzEzLTEwLTEtMS0w_cada2bca-4c50-4b28-a554-5a103b9147bb">18,492</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE0LTItMS0xLTA_87abdb30-94ff-456f-8a9c-6f779a19f404">1,322</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idaf3bb628f5d472a8c9e574b932da8c8_I20211231" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE0LTQtMS0xLTA_f2e5b760-d7e1-4095-bbe6-60cf23404b6d">1,322</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifbd52eb99ed14068828e16fb0d2e4725_I20201231" decimals="-3" name="us-gaap:DerivativeAssets" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE0LTgtMS0xLTA_a1379984-6aec-47f5-ad60-2e3bd3d0a5ec">729</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id3b37e7e9bfb49ce840f0a9150f19896_I20201231" decimals="-3" name="us-gaap:DerivativeAssets" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE0LTEwLTEtMS0w_89a0cd09-2212-4284-8c3e-e9785e294f52">729</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total earning assets</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61a7106387954438be1cf8f047c3dca6_I20211231" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE1LTItMS0xLTA_c71d6a47-6950-4616-8138-570542bb9bfb">31,856,320</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idaf3bb628f5d472a8c9e574b932da8c8_I20211231" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE1LTQtMS0xLTA_c8ff6102-b57a-4722-b00a-fc5a5c78a9dd">28,446,343</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE1LTYtMS0xLTA_f8238f2d-6ae5-40ee-a5af-fac037aed6e3">3,409,977</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifbd52eb99ed14068828e16fb0d2e4725_I20201231" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE1LTgtMS0xLTA_798f5b68-8514-4a67-ad99-49ab6e5640c8">34,126,992</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id3b37e7e9bfb49ce840f0a9150f19896_I20201231" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE1LTEwLTEtMS0w_a907132e-ce8b-4669-930a-334b79e2cf6b">29,944,158</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE1LTEyLTEtMS0w_6f6648c8-3f87-426f-9dcb-83132cd71565">4,182,834</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Interest-bearing liabilities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Money-market and savings accounts</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i03a9d06516cc4c0fa1cddd3b90a1110f_I20211231" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE3LTItMS0xLTA_68a8e955-4442-4f45-9b82-6e9ed5e35ab0">11,457,490</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i0e100ffcdcc74898bfddc0abea7d8009_I20211231" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE3LTQtMS0xLTA_3cd984a5-0d4e-4569-a148-ed73de17b320">11,432,691</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i260ff6a157f34d20b73653684a72cbc1_I20211231" decimals="-3" sign="-" name="slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE3LTYtMS0xLTA_9c420405-04a1-4c0f-80bd-3bf0c305d070">24,799</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i772c1016d8354f6d9bf95521022ff432_I20201231" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE3LTgtMS0xLTA_58163db1-72ee-42d3-921a-ff2ecdeb448c">11,136,560</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8b40113b2f7747b2a53221c122b24fcf_I20201231" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE3LTEwLTEtMS0w_b6493c33-0030-47a9-b224-6b4d9c9d59ba">11,067,633</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ibb802196110341e79f31619e25a0be95_I20201231" decimals="-3" sign="-" name="slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE3LTEyLTEtMS0w_e8665b68-941b-4edd-a47f-de3a74d429d4">68,927</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ibc1ab69e311c46ed8601cfbd8924155d_I20211231" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE4LTItMS0xLTA_bfc8cb42-650a-468b-9129-825307726047">9,451,528</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5fa81d5155ef4a5c9250ad88be7bf4cc_I20211231" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE4LTQtMS0xLTA_e9c2d617-5a4c-49aa-a08c-7cfb88b54343">9,394,001</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ib1a4ed421e384c37bdc745a4e9a77bbd_I20211231" decimals="-3" sign="-" name="slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE4LTYtMS0xLTA_b08dffc7-d1d9-4253-b1bc-ecf60fd215a2">57,527</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i50ab18ab7d074406b9b7979a19b316d9_I20201231" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE4LTgtMS0xLTA_bec5da62-1080-419a-8810-daa437824d8a">11,799,223</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i2a1e969f96074bb2b3cc6880e8df3848_I20201231" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE4LTEwLTEtMS0w_4eceee38-0dd2-4b3d-9f70-19b2c1ae0414">11,597,266</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8bfecd564ce94890a9e67dac5b2d8ecf_I20201231" decimals="-3" sign="-" name="slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE4LTEyLTEtMS0w_442fc08f-5fa2-4173-b4a5-2a3161c3ad78">201,957</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 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style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifbd52eb99ed14068828e16fb0d2e4725_I20201231" decimals="-3" name="us-gaap:ShorttermDebtFairValue" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzE5LTgtMS0xLTA_1dadc591-1bb2-41e5-b47a-b602c38c9b39">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61a7106387954438be1cf8f047c3dca6_I20211231" decimals="-3" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIwLTItMS0xLTA_a775f692-877a-4470-bc03-3c56e780095c">6,000,174</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idaf3bb628f5d472a8c9e574b932da8c8_I20211231" decimals="-3" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIwLTQtMS0xLTA_7ab7b656-185b-4c1c-9aad-a992e3195b62">5,930,990</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" sign="-" name="slm:LongtermDebtFairValueDifferenceBetweenCarryingValueandFairValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIwLTYtMS0xLTA_ff8260c1-bd65-46eb-b936-956455bc0160">69,184</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifbd52eb99ed14068828e16fb0d2e4725_I20201231" decimals="-3" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIwLTgtMS0xLTA_3f57b692-88b5-4e64-aef7-939ce7396899">5,398,309</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id3b37e7e9bfb49ce840f0a9150f19896_I20201231" decimals="-3" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61a7106387954438be1cf8f047c3dca6_I20211231" decimals="-3" name="us-gaap:AccruedLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIxLTItMS0xLTA_6f19ace7-be73-4556-a112-41099c765e6f">46,600</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idaf3bb628f5d472a8c9e574b932da8c8_I20211231" decimals="-3" name="us-gaap:AccruedLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIxLTQtMS0xLTA_c9da71b5-a13e-48f0-8d60-1f103755685c">46,600</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifbd52eb99ed14068828e16fb0d2e4725_I20201231" decimals="-3" name="us-gaap:AccruedLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIxLTgtMS0xLTA_59adeeb6-0f15-48f0-a9f3-027696d2cdde">60,272</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id3b37e7e9bfb49ce840f0a9150f19896_I20201231" decimals="-3" name="us-gaap:AccruedLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIxLTEwLTEtMS0w_53a46935-874e-413f-b1fd-8c1236e8a340">60,272</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivative instruments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61a7106387954438be1cf8f047c3dca6_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIyLTItMS0xLTA_0bff7e59-745c-45a3-8b8b-d05b60b41c2e">252</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idaf3bb628f5d472a8c9e574b932da8c8_I20211231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIyLTQtMS0xLTA_b854a4ff-07c2-4eb6-949b-b5a16cd7ca11">252</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifbd52eb99ed14068828e16fb0d2e4725_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIyLTgtMS0xLTA_919b1055-1581-4592-a5f0-c5350114234b">287</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id3b37e7e9bfb49ce840f0a9150f19896_I20201231" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIyLTEwLTEtMS0w_cbb6b911-47dd-4793-8461-43139bb323eb">287</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total interest-bearing liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i61a7106387954438be1cf8f047c3dca6_I20211231" decimals="-3" name="us-gaap:FinancialLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIzLTItMS0xLTA_513a4e75-1a01-4dfe-a53d-39425f76fad5">26,956,044</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="idaf3bb628f5d472a8c9e574b932da8c8_I20211231" decimals="-3" name="us-gaap:FinancialLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIzLTQtMS0xLTA_0d61885f-63ab-4ea1-a68d-39b7e2177df8">26,804,534</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" sign="-" name="slm:FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIzLTYtMS0xLTA_fa821674-89ba-4815-b25c-d74bc89044a2">151,510</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ifbd52eb99ed14068828e16fb0d2e4725_I20201231" decimals="-3" name="us-gaap:FinancialLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIzLTgtMS0xLTA_6fc2284a-1bf9-4407-bce0-ce4ee29d062f">28,394,651</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="id3b37e7e9bfb49ce840f0a9150f19896_I20201231" decimals="-3" name="us-gaap:FinancialLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIzLTEwLTEtMS0w_b65385e1-64d1-4099-96a3-eb403776000b">27,914,675</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" sign="-" name="slm:FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzIzLTEyLTEtMS0w_6c3c969b-0426-4350-910b-ac47b5ad88df">479,976</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Excess of net asset fair value over carrying value</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:ExcessOfNetAssetFairValueOverCarryingValue" 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1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:ExcessOfNetAssetFairValueOverCarryingValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90YWJsZTozYTE3YzExYzVhMzQ0NWYxOGM2ZTI0ZDM4ODY3YmU4MS90YWJsZXJhbmdlOjNhMTdjMTFjNWEzNDQ1ZjE4YzZlMjRkMzg4NjdiZTgxXzI1LTEyLTEtMS0w_56feb88a-90f2-4299-8309-89d4111bb209">3,702,858</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric><div><span><br/></span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The methods and assumptions used to estimate the fair value of each class of financial instruments are as follows:</span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash and Cash Equivalents</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash and cash equivalents are carried at cost. Carrying value approximated fair value for disclosure purposes. These are level 1 valuations.</span></div></ix:continuation><div style="margin-top:9pt;text-indent:13.5pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-75</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.578%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.490%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">16.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair Value Measurements (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><span><br/></span></div></div><ix:continuation id="iaf59ccbd35f74fe4832f16991ad5b543" continuedAt="ice95abdd4b524bef9d2ccf06ac629041"><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Investments </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Trading </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investments classified as trading are carried at fair value in the consolidated financial statements. As such, these are level 3 valuations.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Available-for-Sale</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investments classified as available-for-sale are carried at fair value in the consolidated financial statements.  Investments in mortgage-backed securities, U.S. government-sponsored enterprises and Treasury securities, and Utah Housing Corporation bonds are valued using observable market prices of similar assets. As such, these are level 2 valuations. </span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Held For Investment and Accrued Interest Receivable </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Private Education Loans</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For Private Education Loans, fair value was determined by using observable quoted prices for similar assets in our most recent market transactions. Adjustments were then made to account for the value of loans in our portfolio that have materially different characteristics than those included in the most recent market transaction.&#160;These are considered level 2 valuations. A portion of the fair value that has been modeled is attributable to accrued interest receivable that has not yet been capitalized, and has been allocated to the accrued interest receivable line item. The remaining accrued interest receivable that will not be capitalized into the principal balance of the loan is carried at cost.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">FFELP Loans and Credit Cards</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For FFELP Loans and Credit Cards, the fair value was determined by modeling expected loan level cash flows using stated terms of the assets and internally developed assumptions to determine aggregate portfolio yield, net present value, and average life. The significant assumptions used to determine fair value are prepayment speeds, default rates, cost of funds, and required return on equity. Significant inputs into the model are not observable. However, we do calibrate the model based on market transactions when appropriate.&#160; As such, these are level 3 valuations.&#160; </span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Held For Sale </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our loans held for sale are accounted for at the lower of cost or market. The fair value was determined by using observable quoted prices for similar assets in our most recent market transactions. These are considered level 2 valuations.</span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Tax Indemnification Receivable</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax indemnification receivable is carried at cost. The carrying value approximates fair value. This is a level 2 valuation.</span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Money Market and Savings Accounts</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Some of our MMDAs are fixed-rate deposits that are subject to minimum balances for a specified period of time. The fair values of these deposits are estimated using discounted cash flows based on rates currently offered for deposits of similar maturities. These are level 2 valuations. The fair values of our remaining money market and savings accounts equal the amounts payable on demand at the balance sheet date and are reported at their carrying value. These are level 1 valuations.</span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Certificates of Deposit</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of CDs are estimated using discounted cash flows based on rates currently offered for deposits of similar remaining maturities. These are level 2 valuations.</span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accrued Interest Payable</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Accrued interest payable is carried at cost. The carrying value approximates fair value due to its short-term nature. This is a level 1 valuation.</span></div></ix:continuation><div style="margin-top:9pt;text-indent:13.5pt"><span><br/></span></div><div style="margin-top:9pt;text-indent:13.5pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-76  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.578%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.490%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">16.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair Value Measurements (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><span><br/></span></div></div><ix:continuation id="ice95abdd4b524bef9d2ccf06ac629041" continuedAt="ib80848f84011423f84a48e83a2c9bc35"><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Borrowings</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Borrowings are accounted for at cost in the consolidated financial statements. The carrying value of short-term borrowings approximated fair value for disclosure purposes, due to the short-term nature of those borrowings. This is a level 1 valuation.  The fair value of long-term borrowings is estimated using current market prices. This is a level 2 valuation. </span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivatives</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All derivatives are accounted for at fair value in the consolidated financial statements. The fair value of derivative financial instruments was determined by a standard derivative pricing and option model using the stated terms of the contracts and observable market inputs. It is our policy to compare the derivative fair values to those received from our counterparties in order to evaluate the model&#8217;s outputs.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When determining the fair value of derivatives, we take into account counterparty credit risk for positions where we are exposed to the counterparty on a net basis by assessing exposure net of collateral held. When the counterparty has exposure to us under derivative contracts with the Company, we fully collateralize the exposure (subject to certain thresholds).</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest rate swaps are valued using a standard derivative cash flow model with a LIBOR swap yield curve, which is an observable input from an active market. These derivatives are level 2 fair value estimates in the hierarchy.</span></div></ix:continuation><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="ib80848f84011423f84a48e83a2c9bc35">The carrying value of borrowings designated as the hedged item in a fair value hedge is adjusted for changes in fair value due to changes in the benchmark interest rate (one-month LIBOR). These valuations are determined through standard pricing models using the stated terms of the borrowings and observable yield curves.</ix:continuation> </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;</span></div><div id="i35472170320a48e7aebfc3743129a2e0_142"></div><div style="text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">17.   <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:RelatedPartyTransactionsDisclosureTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDIvZnJhZzo0YmJlYzQwMGQ5YjM0OWIwODUzYjI2OGQ2NGViMTg4Zi90ZXh0cmVnaW9uOjRiYmVjNDAwZDliMzQ5YjA4NTNiMjY4ZDY0ZWIxODhmXzYzMzk_3543b1ed-d7d2-49f2-8045-e9674ac7fa0a" continuedAt="ief1399c4f14240fbad9b2e9579909243" escape="true">Arrangements with Navient Corporation </ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="ief1399c4f14240fbad9b2e9579909243" continuedAt="i615126be97714e83b65ab6da6e68d622"><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the Spin-Off, we entered into a Separation and Distribution Agreement with Navient (the &#8220;Separation and Distribution Agreement&#8221;). We also entered into various other ancillary agreements with Navient to effect the Spin-Off and provide a framework for our relationship with Navient thereafter, such as a transition services agreement, a tax sharing agreement, an employee matters agreement, a loan servicing and administration agreement, a joint marketing agreement, a key services agreement, a data sharing agreement, and a master sublease agreement. The majority of these agreements were transitional in nature with most having terms that have expired or will expire within the next year.  </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We continue to have exposure to risks related to Navient&#8217;s creditworthiness. If we are unable to obtain indemnification payments from Navient, our results of operations and financial condition could be materially and adversely affected. </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Spin-Off and applicable law, Navient is responsible for all liabilities (whether accrued, contingent, or otherwise and whether known or unknown) arising out of or resulting from the conduct of pre-Spin-Off SLM and its subsidiaries&#8217; businesses prior to the Spin-Off, other than certain specifically identified liabilities relating to the conduct of our consumer banking business for which the Bank is responsible. Nonetheless, given the prior usage of the Sallie Mae and SLM names by entities now owned by Navient, we and our subsidiaries may from time to time be improperly named as defendants in legal proceedings where the allegations at issue are the legal responsibility of Navient. Most of these legal proceedings involve matters that arose in whole or in part in the ordinary course of business of pre-Spin-Off SLM. Likewise, as the period of time since the Spin-Off increases, so does the likelihood any allegations that may be made may be in part for our own actions in a post-Spin-Off time period and in part for Navient&#8217;s conduct in a pre-Spin-Off time period. We will not be providing information on these proceedings unless there are material issues of fact or disagreement with Navient as to the bases of the proceedings or responsibility therefor that we believe could have a material, adverse impact on our business, assets, financial condition, liquidity, or outlook if not resolved in our favor. </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We briefly summarize below some of the most significant agreements and relationships we continue to have with Navient. For additional information regarding the Separation and Distribution Agreement and the other ancillary agreements, see our Current Report on Form 8-K filed on May 2, 2014.</span></div></ix:continuation><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-77</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.853%"><tr><td style="width:1.0%"></td><td style="width:3.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.629%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.533%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">17.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Arrangements with Navient Corporation (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i615126be97714e83b65ab6da6e68d622" continuedAt="i42da19715ae041c08d288b9639509754"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Separation and Distribution Agreement</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Separation and Distribution Agreement addresses, among other things, the following activities:</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the obligation of each party to indemnify the other against liabilities retained or assumed by that party pursuant to the Separation and Distribution Agreement and in connection with claims of third-parties; </span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the allocation among the parties of rights and obligations under insurance policies; and</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the creation of a governance structure by which matters related to the separation and other transactions contemplated by the Separation and Distribution Agreement are to be managed.</span></div><div><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Separation and Distribution Agreement provides specific processes and procedures pursuant to which we may submit claims for indemnification to Navient. If for any reason Navient is unable or unwilling to pay claims made against it, our costs, operating expenses, cash flows, and financial condition could be materially and adversely affected over time.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Indemnification Obligations</span></div><div><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Separation and Distribution Agreement, and as contemplated by the structure of the Spin-Off, Navient is legally obligated to indemnify the Bank against all claims, actions, damages, losses, or expenses that may arise from the conduct of all activities of pre-Spin-Off SLM occurring prior to the Spin-Off, except for certain liabilities related to the conduct of the pre-Spin-Off consumer banking business that were specifically assumed by the Bank (and as to which the Bank is obligated to indemnify Navient). Some significant examples of the types of indemnification obligations Navient has under the Separation and Distribution Agreement and related ancillary agreements include:</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Navient is required to indemnify the Company and the Bank for any liabilities, costs, or expenses they may incur arising from any action or threatened action related to the servicing, operations, and collections activities of pre-Spin-Off SLM and its subsidiaries with respect to Private Education Loans and FFELP Loans that were assets of the Bank or Navient at the time of the Spin-Off; provided that written notice was provided to Navient on or prior to April 30, 2017, the third anniversary date of the Spin-Off. Navient is not required to indemnify for changes in law or changes in prior existing interpretations of law that occur on or after April 30, 2014. </span></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In connection with the Spin-Off, we recorded a liability related to uncertain tax positions of $<ix:nonFraction unitRef="usd" contextRef="iff84b5c5aa2e4681b2d31d8c4e2be1b6_I20140430" decimals="-6" name="slm:DeferredTaxAssetsRemainingBalanceofIndemnificationReceivableInConnectionwithTheSpinOff" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDIvZnJhZzo0YmJlYzQwMGQ5YjM0OWIwODUzYjI2OGQ2NGViMTg4Zi90ZXh0cmVnaW9uOjRiYmVjNDAwZDliMzQ5YjA4NTNiMjY4ZDY0ZWIxODhmXzM3Nzg_c89b671d-af8c-4281-a9a7-5b792daad1ff">27</ix:nonFraction> million for which we are indemnified by Navient. As of December 31, 2021, the remaining balance of the indemnification receivable related to those uncertain tax positions was $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="slm:DeferredTaxAssetsRemainingBalanceofIndemnificationReceivableInConnectionwithTheSpinOff" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDIvZnJhZzo0YmJlYzQwMGQ5YjM0OWIwODUzYjI2OGQ2NGViMTg4Zi90ZXh0cmVnaW9uOjRiYmVjNDAwZDliMzQ5YjA4NTNiMjY4ZDY0ZWIxODhmXzM5NTc_9d879410-818c-4a73-ae47-cff4481018b3">5</ix:nonFraction> million. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Long-Term Arrangements</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The loan servicing and administration agreement governs the terms by which Navient provides servicing, administration, and collection services for the Bank&#8217;s portfolio of FFELP Loans, as well as servicing history information with respect to Private Education Loans previously serviced by Navient and access to certain promissory notes in Navient&#8217;s possession. The term of the loan servicing and administration agreement has been extended to April 30, 2022.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The data sharing agreement provided us the right to obtain from Navient certain post-Spin-Off performance data relating to Private Education Loans owned or serviced by Navient to support and facilitate ongoing underwriting, originations, forecasting, performance, and reserve analyses. The term of the data sharing agreement expired on April 29, 2019, however.</span></div></ix:continuation><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i42da19715ae041c08d288b9639509754">The tax sharing agreement governs the respective rights, responsibilities, and obligations of us and Navient after the Spin-Off relating to taxes, including with respect to the payment of taxes, the preparation and filing of tax returns, and the conduct of tax contests. Under this agreement, each party is generally liable for taxes attributable to its business. The agreement also addresses the allocation of tax liabilities that are incurred as a result of the Spin-Off and related transactions.</ix:continuation> </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span><br/></span></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-78  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_145"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="text-align:center"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">18.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzU2Nzc_aba90bb0-00b2-425f-86ef-1503bb26d249" continuedAt="ifb2f01bd91d245e998a0f702aa967b1c" escape="true">Regulatory Capital </ix:nonNumeric></span></div><ix:continuation id="ifb2f01bd91d245e998a0f702aa967b1c" continuedAt="i8db1dc5b7cfd43de96c5e7318235523f"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is subject to various regulatory capital requirements administered by the FDIC and the UDFI. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material adverse effect on our business, results of operations, and financial position. Under the FDIC&#8217;s regulations implementing the Basel III capital framework (&#8220;U.S. Basel III&#8221;) and the regulatory framework for prompt corrective action, the Bank must meet specific capital standards that involve quantitative measures of its assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank&#8217;s capital amounts and its classification under the prompt corrective action framework are also subject to qualitative judgments by the regulators about components of capital, risk weightings, and other factors.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">The Bank is subject to the following minimum capital ratios under U.S. Basel III: a Common Equity Tier 1 risk-based capital ratio of 4.5 percent, a Tier 1 risk-based capital ratio of 6.0 percent, a Total risk-based capital ratio of 8.0 percent, and a Tier 1 leverage ratio of 4.0 percent. In addition, the Bank is subject to a Common Equity Tier 1 capital conservation buffer of greater than 2.5 percent. Failure to maintain the buffer will result in restrictions on the Bank&#8217;s ability to make capital distributions, including the payment of dividends, and to pay discretionary bonuses to executive officers. Including the buffer, the Bank is required to maintain the following capital ratios under U.S. Basel III in order to avoid such restrictions: a Common Equity Tier 1 risk-based capital ratio of greater than 7.0 percent, a Tier 1 risk-based capital ratio of greater than 8.5 percent, and a Total risk-based capital ratio of greater than 10.5 percent.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To qualify as &#8220;well capitalized&#8221; under the prompt corrective action framework for insured depository institutions, the Bank must maintain a Common Equity Tier 1 risk-based capital ratio of at least 6.5 percent, a Tier 1 risk-based capital ratio of at least 8.0 percent, a Total risk-based capital ratio of at least 10.0 percent, and a Tier 1 leverage ratio of at least 5.0 percent.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopt</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">CECL during the 2020 calendar year, including the Bank, may elect to delay for <ix:nonNumeric contextRef="i0d6a9275528f442586f90226e3d81f64_D20200101-20200101" name="slm:PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzI1MTU_c9ef1c5f-5137-46af-9a17-941f90e58704">two years</ix:nonNumeric>, and then phase in over the following three years, the effects on regulatory capital of CECL relative to the incurred loss methodology. The Bank has elected to use this option. Therefore, the regulatory capital impact of the Bank&#8217;s transition adjustments recorded on January 1, 2020 from the adoption of CECL, and <ix:nonFraction unitRef="number" contextRef="id20fc74455a34abb9abff426f25b6ef6_I20200101" decimals="INF" name="slm:AdoptionOfNewAccountingPronouncementsPercentDeferred" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzMwOTA_9662e4a3-ea1b-4155-a9d4-804353e72118">25</ix:nonFraction> percent of the ongoing impact of CECL on the Bank&#8217;s allowance for credit losses, retained earnings, and average total consolidated assets, each as reported for regulatory capital purposes (collectively, the &#8220;adjusted transition amounts&#8221;), were deferred for the <ix:nonNumeric contextRef="i0d6a9275528f442586f90226e3d81f64_D20200101-20200101" name="slm:PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzM4NDgyOTA3MTA4NDI_b1bd7f77-b11a-4e79-ba34-e4346fa0fdd3">two-year</ix:nonNumeric> period ending January 1, 2022. From January 1, 2022 to January 1, 2025, the adjusted transition amounts will be phased in for regulatory capital purposes at a rate of <ix:nonFraction unitRef="number" contextRef="id20fc74455a34abb9abff426f25b6ef6_I20200101" decimals="INF" name="slm:AdoptionOfNewAccountingPronouncementsPercentDeferred" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzM1NjM_495e17f1-ae79-41e6-95d1-dfdf6e263195">25</ix:nonFraction> percent per year, with the phased-in amounts included in regulatory capital at the beginning of each year. The Bank&#8217;s January 1, 2020 CECL transition amounts increased our allowance for credit losses by $<ix:nonFraction unitRef="usd" contextRef="id20fc74455a34abb9abff426f25b6ef6_I20200101" decimals="-8" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzM3NjI_4bd3d365-e405-44f3-bb08-1e4ff0ff0c30">1.1</ix:nonFraction>&#160;billion, increased the liability representing our off-balance sheet exposure for unfunded commitments by $<ix:nonFraction unitRef="usd" contextRef="id20fc74455a34abb9abff426f25b6ef6_I20200101" decimals="-6" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzM4NjI_1892e106-0354-4b0a-8a7d-fafb22bb1bbf">116</ix:nonFraction>&#160;million, and increased our deferred tax asset by $<ix:nonFraction unitRef="usd" contextRef="id20fc74455a34abb9abff426f25b6ef6_I20200101" decimals="-6" name="us-gaap:DeferredIncomeTaxAssetsNet" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzM5MDY_83098fc8-3b52-4733-afad-b7285f2062e0">306</ix:nonFraction>&#160;million, resulting in a cumulative effect adjustment that reduced retained earnings by $<ix:nonFraction unitRef="usd" contextRef="i0d6a9275528f442586f90226e3d81f64_D20200101-20200101" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzM5ODg_57749ab3-acfd-4d61-af8e-24f2b6a38957">953</ix:nonFraction>&#160;million. This transition adjustment was inclusive of qualitative adjustments incorporated into our CECL allowance as necessary, to address any limitations in the models used. </span></div></ix:continuation><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-79</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:2.847%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.221%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">18.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Regulatory Capital (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="text-indent:24.75pt"><span><br/></span></div><ix:continuation id="i8db1dc5b7cfd43de96c5e7318235523f" continuedAt="id379dcda69a34fd7ad675cca086144e1"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzU2ODc_ea5f22ba-5b9b-4727-b913-d1744ebcdfcb" escape="true"><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following capital amounts and ratios are based upon the Bank&#8217;s average assets and risk-weighted assets, as indicated. </span></div><div style="text-align:center;text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.055%"><tr><td style="width:1.0%"></td><td style="width:46.849%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.588%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.149%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.101%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.843%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.991%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.054%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.525%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Actual</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">U.S. Basel III</span></div><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Minimum Requirements Plus Buffer</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)(2)</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ratio</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ratio</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2021:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:CommonEquityTierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzMtMi0xLTEtMA_c147b04b-3ae7-454c-9186-d80b36ee6a00">3,314,657</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" 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style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzMtNS0xLTEtMA_4b9f1df8-adb9-45ec-9567-8fa4c3817614">1,643,132</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="slm:TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzMtNy0xLTEtMA_aea6a27a-22b5-4731-b194-1a3c3ba8490f">7.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzQtMi0xLTEtMA_ca4ce1d8-093a-4548-956a-e0c157f3ea72">3,314,657</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzQtMy0xLTEtMA_1e111ca4-6560-4b08-ba7a-596da727b80e">14.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzQtNS0xLTEtMA_fa9b040f-d281-4eb5-b3f3-23b65149d1ab">1,995,232</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzQtNy0xLTEtMA_9961cf2c-61f3-4d2a-a492-732ebbe727b2">8.5</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:Capital" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzUtMi0xLTEtMA_da0517cc-2f17-4ee4-878f-c0a4a31ea9e9">3,410,183</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="us-gaap:CapitalToRiskWeightedAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzUtMy0xLTEtMA_940ec341-6370-42ce-9d69-8861db491070">14.5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:CapitalRequiredToBeWellCapitalized" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzUtNS0xLTEtMA_7a6b9fd4-bd17-430e-9ac2-e9a88b90d7a6">2,464,699</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzUtNy0xLTEtMA_97be843a-2745-45d9-b5ba-450f5f512891">10.5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TierOneLeverageCapital" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzYtMi0xLTEtMA_dc6da413-bb22-4b9e-b611-bd039b2ec84a">3,314,657</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="3" name="us-gaap:TierOneLeverageCapitalToAverageAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzYtMy0xLTEtMA_4656f3f0-4d7d-49fc-9e8a-6f66c3380fed">11.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzYtNS0xLTEtMA_5f29b291-76c7-44e0-9b04-c15edcd54fa9">1,198,808</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="2" name="us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzYtNy0xLTEtMA_a2d0a03f-cdf9-408e-a2b3-68a7489211f0">4.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2020:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:CommonEquityTierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzktMi0xLTEtMA_31193061-ebb2-414f-b8f3-5d4120c56e9b">3,579,005</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="slm:TierOneCommonEquityCapitaltoRiskWeightedAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzktMy0xLTEtMA_cc6f5cf4-b25a-474c-bf0d-e78841cb6c78">14.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzktNS0xLTEtMA_87b326b1-10a1-4996-9f93-658bc991078c">1,794,780</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="2" name="slm:TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzktNy0xLTEtMA_91481aff-f07e-4c29-8ca5-d1f13397d148">7.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:TierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzEwLTItMS0xLTA_110dde11-680b-4bed-93d7-4e12aa162fb0">3,579,005</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzEwLTMtMS0xLTA_6a8d930d-adec-4a47-8b7a-691919f49336">14.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzEwLTUtMS0xLTA_b57e2892-945c-4584-80c4-5c82f7db62ed">2,179,375</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzEwLTctMS0xLTA_f2d69ebf-4b70-46e9-b66d-797b571365b8">8.5</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:Capital" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzExLTItMS0xLTA_4d77323f-2d02-4be5-97c3-8ab03cbea4fd">3,849,820</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="us-gaap:CapitalToRiskWeightedAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzExLTMtMS0xLTA_9238ef69-26ec-4d82-8e06-f805ec4e1665">15.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:CapitalRequiredToBeWellCapitalized" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzExLTUtMS0xLTA_b07bec99-5537-4d55-a719-7a9e9ead0d53">2,692,169</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="3" name="us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzExLTctMS0xLTA_ed2dac14-35f1-478f-81f5-eb66947a76f4">10.5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="2" name="us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90YWJsZTo3YjM4ZjFmYjljNWQ0ZGMwOTFiZjA0NTUzNDczZDkzNi90YWJsZXJhbmdlOjdiMzhmMWZiOWM1ZDRkYzA5MWJmMDQ1NTM0NzNkOTM2XzEyLTctMS0xLTA_a1792677-376a-4295-870d-adc679ad07a0">4.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="margin-top:3pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">         &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div><div style="margin-top:3pt;padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)&#160;&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reflects the U.S. Basel III minimum required ratio plus the applicable capital conservation buffer. </span></div><div style="padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Bank&#8217;s regulatory capital ratios also exceeded all applicable standards for the Bank to qualify as &#8220;well capitalized&#8221; under the prompt corrective action framework.</span></div></ix:nonNumeric><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">&#160;</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Bank Dividends</span></div></ix:continuation><div style="padding-left:18pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="id379dcda69a34fd7ad675cca086144e1">The Bank is chartered under the laws of the State of Utah and its deposits are insured by the FDIC. The Bank&#8217;s ability to pay dividends is subject to the laws of Utah and the regulations of the FDIC. Generally, under Utah&#8217;s industrial bank laws and regulations as well as FDIC regulations, the Bank may pay dividends from its net profits without regulatory approval if, following the payment of the dividend, the Bank&#8217;s capital and surplus would not be impaired. The Bank declared $<ix:nonFraction unitRef="usd" contextRef="ia95db87f4e9c4c2e92f4f4c366dfbe6c_D20210101-20211231" decimals="-6" name="us-gaap:Dividends" format="ixt:num-dot-decimal" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzUxMTc_9964c1b9-07f8-4072-a89c-732847909aef">1.4</ix:nonFraction>&#160;billion, $<ix:nonFraction unitRef="usd" contextRef="icb9def6a8aba41c0a744219c4bca7ddc_D20200101-20201231" decimals="-6" name="us-gaap:Dividends" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzUxMjQ_684296b9-1089-4d5b-be20-434f9bf9cd8e">579</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="i90dcf06e857549418bb0401ae1603cc6_D20190101-20191231" decimals="-6" name="us-gaap:Dividends" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzEwOTk1MTE2MzQ1NTk_200601df-a01e-49bb-bf0f-bac66535b1a1">254</ix:nonFraction>&#160;million in dividends to the Company for the years ended December 31, 2021, 2020, and 2019, respectively, with the proceeds primarily used to fund the 2021, 2020, and 2019 Share Repurchase Programs and stock dividends. In the future, we expect that the Bank will pay dividends to the Company as may be necessary to enable the Company to pay any declared dividends on its Series B Preferred Stock and common stock and to consummate any common share repurchases by the Company under its repurchase programs.</ix:continuation> </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-80  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_148"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="text-align:center"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">19.   <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:CompensationAndEmployeeBenefitPlansTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDgvZnJhZzpjOTA3NDYyYWI0NjU0NTQzODdhNmQ4NDM4NTdlZjJmNy90ZXh0cmVnaW9uOmM5MDc0NjJhYjQ2NTQ1NDM4N2E2ZDg0Mzg1N2VmMmY3XzQ2OQ_497311b9-977e-4dbe-96a9-f20527c59b34" continuedAt="ia79947e7ae9a462cae867317c13dbab2" escape="true">Defined Contribution Plans </ix:nonNumeric></span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="ia79947e7ae9a462cae867317c13dbab2">We participate in a defined contribution plan which is intended to qualify under section 401(k) of the Internal Revenue Code. The Sallie Mae 401(k) Savings Plan covers substantially all employees. After six months of service, we match <ix:nonFraction unitRef="number" contextRef="i7e5497fb9fd74f939527f6fc1fabea02_D20210101-20211231" decimals="2" name="us-gaap:DefinedContributionPlanEmployerMatchingContributionPercent" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDgvZnJhZzpjOTA3NDYyYWI0NjU0NTQzODdhNmQ4NDM4NTdlZjJmNy90ZXh0cmVnaW9uOmM5MDc0NjJhYjQ2NTQ1NDM4N2E2ZDg0Mzg1N2VmMmY3XzI3NQ_62c64e31-0378-4881-8277-9a1ddcbc97db">100</ix:nonFraction> percent of the first <ix:nonFraction unitRef="number" contextRef="i7e5497fb9fd74f939527f6fc1fabea02_D20210101-20211231" decimals="2" name="slm:Type1ofDefinedContributionPlan" format="ixt-sec:numwordsen" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDgvZnJhZzpjOTA3NDYyYWI0NjU0NTQzODdhNmQ4NDM4NTdlZjJmNy90ZXh0cmVnaW9uOmM5MDc0NjJhYjQ2NTQ1NDM4N2E2ZDg0Mzg1N2VmMmY3XzM4NDgyOTA2OTgxNjE_707d511f-e779-47ac-a540-d5857c3196d1">five</ix:nonFraction> percent of contributions for eligible employees. For the years ended December 31, 2021, 2020, and 2019, we contributed $<ix:nonFraction unitRef="usd" contextRef="i7e5497fb9fd74f939527f6fc1fabea02_D20210101-20211231" decimals="-6" name="us-gaap:DefinedContributionPlanEmployerDiscretionaryContributionAmount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDgvZnJhZzpjOTA3NDYyYWI0NjU0NTQzODdhNmQ4NDM4NTdlZjJmNy90ZXh0cmVnaW9uOmM5MDc0NjJhYjQ2NTQ1NDM4N2E2ZDg0Mzg1N2VmMmY3XzM5OA_eb094a76-01a9-451c-a4f0-adef4237822a">7</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="i61e2f36aca334457859019dc90ce9b2c_D20200101-20201231" decimals="-6" name="us-gaap:DefinedContributionPlanEmployerDiscretionaryContributionAmount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDgvZnJhZzpjOTA3NDYyYWI0NjU0NTQzODdhNmQ4NDM4NTdlZjJmNy90ZXh0cmVnaW9uOmM5MDc0NjJhYjQ2NTQ1NDM4N2E2ZDg0Mzg1N2VmMmY3XzQxMA_20ecc62e-91d1-43dc-a6ab-a4fdfcd905cf">8</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="iba07cd5d1dac4edf9854f479f5edc7be_D20190101-20191231" decimals="-6" name="us-gaap:DefinedContributionPlanEmployerDiscretionaryContributionAmount" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDgvZnJhZzpjOTA3NDYyYWI0NjU0NTQzODdhNmQ4NDM4NTdlZjJmNy90ZXh0cmVnaW9uOmM5MDc0NjJhYjQ2NTQ1NDM4N2E2ZDg0Mzg1N2VmMmY3XzQyNQ_509a113e-729b-429c-bb24-97af5103f031">7</ix:nonFraction> million, respectively, to this plan.</ix:continuation></span></div><div style="text-indent:22.5pt"><span><br/></span></div><div><span><br/></span></div><div id="i35472170320a48e7aebfc3743129a2e0_151"></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">20.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:CommitmentsAndContingenciesDisclosureTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTEvZnJhZzowMzViZmQ0ZTI2MzY0MmVlOTJjYzQ1NTZhNWJhOTM4YS90ZXh0cmVnaW9uOjAzNWJmZDRlMjYzNjQyZWU5MmNjNDU1NmE1YmE5MzhhXzc4Mjg_a2e1d55b-c1e6-4f3d-b835-0538a804907b" continuedAt="i93bcba99ad6b462abc3b508c831413a5" escape="true">Commitments, Contingencies and Guarantees </ix:nonNumeric></span></div><ix:continuation id="i93bcba99ad6b462abc3b508c831413a5" continuedAt="i492023c69d9445e8bc4a1951d4e767fe"><div style="margin-top:14pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Commitments</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When we approve a Private Education Loan at the beginning of an academic year, that approval may cover the borrowing for the entire academic year. As such, we do not always disburse the full amount of the loan at the time of such approval, but instead have a commitment to fund a portion of the loan at a later date (usually at the start of the second semester or subsequent trimesters). At December 31, 2021, we had $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-8" name="us-gaap:ContractualObligation" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTEvZnJhZzowMzViZmQ0ZTI2MzY0MmVlOTJjYzQ1NTZhNWJhOTM4YS90ZXh0cmVnaW9uOjAzNWJmZDRlMjYzNjQyZWU5MmNjNDU1NmE1YmE5MzhhXzQ4Mg_2c2915c9-ff4e-49b7-915b-4b730d6c3a9e">1.8</ix:nonFraction> billion of outstanding contractual loan commitments which we expect to fund during the remainder of the 2021/2022 academic year. At December 31, 2021, we had a $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="slm:OtherLiabilitiesReserve" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTEvZnJhZzowMzViZmQ0ZTI2MzY0MmVlOTJjYzQ1NTZhNWJhOTM4YS90ZXh0cmVnaW9uOjAzNWJmZDRlMjYzNjQyZWU5MmNjNDU1NmE1YmE5MzhhXzY0Mw_4c596a00-a708-4a6f-abc2-1a7fdbae9856">73</ix:nonFraction> million reserve recorded in &#8220;Other Liabilities&#8221; to cover expected losses that may occur during the <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="slm:LossContingencyLossEmergencePeriod" format="ixt-sec:durwordsen" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTEvZnJhZzowMzViZmQ0ZTI2MzY0MmVlOTJjYzQ1NTZhNWJhOTM4YS90ZXh0cmVnaW9uOjAzNWJmZDRlMjYzNjQyZWU5MmNjNDU1NmE1YmE5MzhhXzM4NDgyOTA3MTk0MjA_811999b9-c77c-402f-94d9-6ddc845cc399">one-year</ix:nonNumeric> loss emergence period on these unfunded commitments. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Regulatory Matters </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In May 2014, the Bank received a Civil Investigative Demand (&#8220;CID&#8221;) from the CFPB as part of the CFPB&#8217;s separate investigation relating to customer complaints, fees, and charges assessed in connection with the servicing of student loans and related collection practices of pre-Spin-Off SLM by entities now subsidiaries of Navient during a time period prior to the Spin-Off (the &#8220;CFPB Investigation&#8221;). Two state attorneys general also provided the Bank identical CIDs and other state attorneys general have become involved in the inquiry over time (collectively, the &#8220;Multi-State Investigation&#8221;). To the extent requested, the Bank has been cooperating fully with the CFPB and the attorneys general conducting the Multi-State Investigation. Given the timeframe covered by the CIDs, the CFPB Investigation and the Multi-State Investigation, and the focus on practices and procedures previously conducted by Navient and its servicing subsidiaries prior to the Spin-Off, Navient is leading the response to these investigations. Consequently, we have no basis from which to estimate either the duration or ultimate outcome of these investigations.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With regard to the CFPB Investigation, we note that on January 18, 2017, the CFPB filed a complaint in federal court in Pennsylvania against Navient, along with its subsidiaries, Navient Solutions, Inc. and Pioneer Credit Recovery, Inc. The complaint alleges these Navient entities, among other things, engaged in deceptive practices with respect to their historic servicing and debt collection practices. Neither SLM, the Bank, nor any of their current subsidiaries are named in, or otherwise a party to, the lawsuit and are not alleged to have engaged in any wrongdoing. The CFPB&#8217;s complaint asserts Navient&#8217;s assumption of these liabilities pursuant to the Separation and Distribution Agreement.</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 18, 2017, the Illinois Attorney General filed a lawsuit in Illinois state court against Navient - its subsidiaries Navient Solutions, Inc., Pioneer Credit Recovery, Inc., and General Revenue Corporation - and the Bank arising out of the Multi-State Investigation. On March 20, 2017, the Bank moved to dismiss the Illinois Attorney General action as to the Bank, arguing, among other things, the complaint failed to allege with sufficient particularity or specificity how the Bank was responsible for any of the alleged conduct, most of which predated the Bank&#8217;s existence. On July 10, 2018, the Court granted the Bank&#8217;s motion to dismiss without prejudice. On August 7, 2018, the Illinois Attorney General filed a First Amended Complaint and, on October 9, 2018, the Bank again moved to dismiss the action based on grounds similar to those raised in its March 20, 2017 motion. The Illinois Attorney General filed its response on November 21, 2018, and the Bank filed its reply on December 10, 2018. Oral argument on the motion took place on January 9, 2019. The Court took the motion under advisement, and a hearing took place on December 7, 2021. On December 16, 2021, the Court entered an Order granting the Bank&#8217;s Motion to Dismiss the First Amended Complaint, thereby dismissing the Bank from the action with prejudice.</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 13, 2022, Navient announced agreements with a total of forty state attorneys general to resolve their previously disclosed multistate litigation and investigation matters, including but not limited to four lawsuits (brought by the attorneys general for the states of California, Washington, Pennsylvania, and New Jersey) arising out of the Multi-State Investigation. Neither SLM, the Bank, nor any of their current subsidiaries are named in, or otherwise a party to, the </span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-81</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:2.847%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.221%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">20.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Commitments, Contingencies and Guarantees (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i492023c69d9445e8bc4a1951d4e767fe"><div style="margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">California, Washington, Pennsylvania, or New Jersey lawsuits, and no claims are asserted against them. The Company and the Bank are not parties to the Navient settlement and are not contributing any of the relief sought in the settlement. Further, the consent judgments between Navient and the various states contain releases of claims as to pre-Spin-Off SLM (including the Bank and other consolidated subsidiaries) for conduct occurring on or before the date of the Spin-Off.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Separation and Distribution Agreement, and as contemplated by the structure of the Spin-Off, Navient is legally obligated to indemnify the Bank against all claims, actions, damages, losses, or expenses that may arise from the conduct of all activities of pre-Spin-Off SLM occurring prior to the Spin-Off, except for certain liabilities related to the conduct of the pre-Spin-Off consumer banking business that were specifically assumed by the Bank (and as to which the Bank is obligated to indemnify Navient). Navient has acknowledged its indemnification obligations under the Separation and Distribution Agreement, in connection with the Multi-State Investigation and the related lawsuits in which the Bank has been named as a party. Navient has informed the Bank, however, that it believes that the Bank may be responsible to indemnify Navient against certain potential liabilities arising from the above-described lawsuits under the Separation and Distribution Agreement and/or a separate loan servicing agreement between the parties, and has suggested that the parties defer further discussion regarding indemnification obligations, and reimbursement of ongoing legal costs, in connection with the lawsuits. The Bank disagrees with Navient&#8217;s position and the Bank has reiterated to Navient that Navient is responsible for promptly indemnifying the Bank against all liabilities arising out of the conduct of pre-Spin-Off SLM that are at issue in the Multi-State Investigation and in the above-described lawsuits.</span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Contingencies</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the ordinary course of business, we and our subsidiaries are routinely defendants in or parties to pending and threatened legal actions and proceedings, including actions brought on behalf of various classes of claimants. These actions and proceedings may be based on alleged violations of consumer protection, securities, employment, and other laws. In certain of these actions and proceedings, claims for substantial monetary damage may be asserted against us and our subsidiaries.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">It is common for the Company, our subsidiaries, and affiliates to receive information and document requests and investigative demands from state attorneys general, legislative committees, and administrative agencies. These requests may be for informational or regulatory purposes and may relate to our business practices, the industries in which we operate, or other companies with whom we conduct business. Our practice has been and continues to be to cooperate with these bodies and be responsive to any such requests.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are required to establish reserves for litigation and regulatory matters where those matters present loss contingencies that are both probable and estimable. When loss contingencies are not both probable and estimable, we do not establish reserves.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Based on current knowledge, management does not believe there are loss contingencies, if any, arising from pending investigations, litigation, or regulatory matters for which reserves should be established.</span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-82  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_154"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="text-align:center"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">21.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:IncomeTaxDisclosureTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzQ1NTA_0a5fe03e-e9b1-4c48-8d69-2e93c40a4739" continuedAt="id71a8f0199144f85a0ff528169743954" escape="true">Income Taxes </ix:nonNumeric></span></div><ix:continuation id="id71a8f0199144f85a0ff528169743954" continuedAt="i906c4e16de35444bb1d8d3cdbaac25b1"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzQ1NTc_d314f325-43ee-4ef5-9051-bb4382bba530" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reconciliations of the statutory U.S. federal income tax rates to our effective tax rate for continuing operations follow:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:71.527%"><tr><td style="width:1.0%"></td><td style="width:44.142%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.793%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.793%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.795%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31,</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Statutory rate</span></td><td colspan="3" 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0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="2" name="us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" scale="-2" 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style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">State tax, net of federal benefit</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpkMDQ3ZWM2MDg5ODg0NmFiODFlOGYzOTc4MGZhYmM2NS90YWJsZXJhbmdlOmQwNDdlYzYwODk4ODQ2YWI4MWU4ZjM5NzgwZmFiYzY1XzQtMi0xLTEtMA_170f21cc-e956-4c98-8af7-493d923dad86">3.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpkMDQ3ZWM2MDg5ODg0NmFiODFlOGYzOTc4MGZhYmM2NS90YWJsZXJhbmdlOmQwNDdlYzYwODk4ODQ2YWI4MWU4ZjM5NzgwZmFiYzY1XzQtNC0xLTEtMA_734ed6ec-93c8-4a02-b832-7ce2613f6163">2.9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpkMDQ3ZWM2MDg5ODg0NmFiODFlOGYzOTc4MGZhYmM2NS90YWJsZXJhbmdlOmQwNDdlYzYwODk4ODQ2YWI4MWU4ZjM5NzgwZmFiYzY1XzQtNi0xLTEtMA_0b2ba868-66d2-45d3-bba5-778abe01c5e3">3.9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Business tax credits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationTaxCredits" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpkMDQ3ZWM2MDg5ODg0NmFiODFlOGYzOTc4MGZhYmM2NS90YWJsZXJhbmdlOmQwNDdlYzYwODk4ODQ2YWI4MWU4ZjM5NzgwZmFiYzY1XzUtMi0xLTEtMA_c3c0bc39-e8b2-4d35-89e3-c6fa031a6758">0.8</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrecognized tax benefits, U.S. federal and state, net of federal benefit</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="3" name="slm:EffectiveIncomeTaxRateReconciliationUnrecognizedTaxBenefitsNetofFederalBenefit" scale="-2" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpkMDQ3ZWM2MDg5ODg0NmFiODFlOGYzOTc4MGZhYmM2NS90YWJsZXJhbmdlOmQwNDdlYzYwODk4ODQ2YWI4MWU4ZjM5NzgwZmFiYzY1XzctNi0xLTEtMA_b7bf03b6-f81e-41b6-8c40-771dfb0e21b5">0.1</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" 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contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpkMDQ3ZWM2MDg5ODg0NmFiODFlOGYzOTc4MGZhYmM2NS90YWJsZXJhbmdlOmQwNDdlYzYwODk4ODQ2YWI4MWU4ZjM5NzgwZmFiYzY1XzExLTQtMS0xLTA_03a99507-45c0-4ffd-9180-d379e0292da4">1.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpkMDQ3ZWM2MDg5ODg0NmFiODFlOGYzOTc4MGZhYmM2NS90YWJsZXJhbmdlOmQwNDdlYzYwODk4ODQ2YWI4MWU4ZjM5NzgwZmFiYzY1XzExLTYtMS0xLTA_54bc8160-af67-4b0b-996f-6b6a182c5788">0.7</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Effective tax rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="3" name="us-gaap:EffectiveIncomeTaxRateContinuingOperations" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpkMDQ3ZWM2MDg5ODg0NmFiODFlOGYzOTc4MGZhYmM2NS90YWJsZXJhbmdlOmQwNDdlYzYwODk4ODQ2YWI4MWU4ZjM5NzgwZmFiYzY1XzEyLTItMS0xLTA_4a4206d6-d2c3-4dde-a0dd-1dcc046b1380">24.7</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="3" name="us-gaap:EffectiveIncomeTaxRateContinuingOperations" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpkMDQ3ZWM2MDg5ODg0NmFiODFlOGYzOTc4MGZhYmM2NS90YWJsZXJhbmdlOmQwNDdlYzYwODk4ODQ2YWI4MWU4ZjM5NzgwZmFiYzY1XzEyLTQtMS0xLTA_d649b8c5-e428-4a35-8748-8b8a8d451af5">23.7</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="3" name="us-gaap:EffectiveIncomeTaxRateContinuingOperations" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpkMDQ3ZWM2MDg5ODg0NmFiODFlOGYzOTc4MGZhYmM2NS90YWJsZXJhbmdlOmQwNDdlYzYwODk4ODQ2YWI4MWU4ZjM5NzgwZmFiYzY1XzEyLTYtMS0xLTA_f11c0c7a-e410-40b2-bb96-0dcaeb652ff7">22.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div></ix:nonNumeric><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The effective tax rate varies from the statutory U.S. federal rate of <ix:nonFraction unitRef="number" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="2" name="us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzIyMg_4f873bcd-4f3e-4275-aef0-0ecfd84c8d5b"><ix:nonFraction unitRef="number" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="2" name="us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" format="ixt:num-dot-decimal" scale="-2" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzIyMg_b1436e8e-7834-49e8-abd2-9530bf37e01c">21</ix:nonFraction></ix:nonFraction> percent primarily due to the impact of state taxes, net of federal benefit, for the year ended December 31, 2021; and due to business tax credits and the impact of state taxes, net of federal benefit, for the year ended December 31, 2020 and 2019, respectively.</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzQ1ODU_3d70ca41-256a-4538-aafb-ac615f8db3ce" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income tax expense consists of:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.750%"><tr><td style="width:1.0%"></td><td style="width:44.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.478%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.284%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.741%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.284%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.741%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.286%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Current provision (benefit):</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:CurrentFederalTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzMtMi0xLTEtMA_6d4666e1-f3ed-4d4e-81ae-8ee608d72e33">259,536</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:CurrentFederalTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzMtNC0xLTEtMA_f2a9be65-2a00-4dbd-bce6-3f348df94d1a">172,153</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:CurrentFederalTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzMtNi0xLTEtMA_6dce33c8-5088-4681-83be-08c945ff6323">150,800</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">State</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:CurrentStateAndLocalTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzQtMi0xLTEtMA_6dd8e19b-e063-4a37-80c9-5177e284b116">64,843</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:CurrentStateAndLocalTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzQtNC0xLTEtMA_5fd652b1-f3b4-43d2-88f1-d687a54916fb">28,387</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:CurrentStateAndLocalTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzQtNi0xLTEtMA_2003e090-cd04-4dec-95a7-ff8f6ff4fe9d">24,378</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total current provision (benefit)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:CurrentIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzYtMi0xLTEtMA_fcd73629-51d4-4d93-92b0-8543220d75a6">324,379</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:CurrentIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzYtNC0xLTEtMA_53702fea-d901-4807-b79c-dbce7aa0b925">200,540</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:CurrentIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzYtNi0xLTEtMA_8ea5ce29-5f8b-4ea5-9e3f-2b6b4f50a350">175,178</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred provision (benefit):</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:DeferredFederalIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzgtMi0xLTEtMA_8863f1c0-8c66-4b89-9115-9bf34b65ecbf">47,240</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:DeferredFederalIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzgtNC0xLTEtMA_d50e792d-227d-4a69-b7bd-6e71df0f7181">58,003</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" 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style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total deferred provision (benefit)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:DeferredIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" 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name="us-gaap:DeferredIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzExLTQtMS0xLTA_9781e716-f8ff-4bc2-86c0-2e78fcae11a8">72,776</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:DeferredIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzExLTYtMS0xLTA_49a2be4c-3b65-4367-9027-9f89ca2a3f79">9,714</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Provision for income tax expense</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzEyLTItMS0xLTA_bcabc45c-f5f9-4202-9f76-516a5f91524b">379,751</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double 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#000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTplMmRhYjFlY2RiYmI0NzI1YjBlN2M2ZjUwMjA2NTMwNy90YWJsZXJhbmdlOmUyZGFiMWVjZGJiYjQ3MjViMGU3YzZmNTAyMDY1MzA3XzEyLTYtMS0xLTA_f70da3c7-8062-4470-93f7-b05ed1bca240">165,464</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div></ix:continuation><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-83</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:2.847%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.221%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">21.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Income Taxes (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><ix:continuation id="i906c4e16de35444bb1d8d3cdbaac25b1" continuedAt="i1cfd363881ec460d8f9d4eb2a17b8369"><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzQ1Njg_c9708fad-02a1-4e4d-9a18-fa22712b0670" escape="true"><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The tax effect of temporary differences that give rise to deferred tax assets and liabilities is summarized below. </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:66.527%"><tr><td style="width:1.0%"></td><td style="width:60.069%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.261%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.062%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.843%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.065%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid 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style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loan reserves</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" 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scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzQtNC0xLTEtMA_055b2551-5d5f-4473-8168-1420abbde63e">10,914</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred revenue</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DeferredTaxAssetsDeferredIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzUtMi0xLTEtMA_953da327-5e6b-4458-85ee-99ce21bc6215">1,318</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DeferredTaxAssetsDeferredIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzUtNC0xLTEtMA_e570d50f-57ec-4755-ab62-9a6804fa1f52">1,441</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Operating 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style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DeferredTaxAssetsOperatingLossCarryforwards" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzYtNC0xLTEtMA_b6bdd2fd-8a6b-4fa9-8179-bb8f5f2042fb">83</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DeferredTaxAssetsUnrealizedLossesOnTradingSecurities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzgtMi0xLTEtMA_dc6090a0-2c38-4f00-8490-bb862a7a53be">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DeferredTaxAssetsUnrealizedLossesOnTradingSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzgtNC0xLTEtMA_cef9ff94-8716-450f-be90-6df138ca05c6">9,047</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrecorded tax benefits</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzktMi0xLTEtMA_60d4db98-005a-410d-916c-fc910c0322fb">11,016</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzktNC0xLTEtMA_ee344e14-08db-45e2-820e-eacbef5451f0">6,997</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:DeferredTaxAssetsOtherIncludingValuationAllowance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzExLTItMS0xLTA_9c275fab-60b5-494c-a7d9-f52281090cbb">1,097</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:DeferredTaxAssetsOtherIncludingValuationAllowance" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzExLTQtMS0xLTA_a40f744e-7913-4734-8d79-e5dd171d9c67">1,003</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total deferred tax assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DeferredTaxAssetsNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzEyLTItMS0xLTA_8a39ae58-07c2-4d96-8dc7-966d661ce5bd">338,844</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DeferredTaxAssetsNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzEyLTQtMS0xLTA_a8ad675a-2233-40e5-af5a-2bca8b2d49df">398,920</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deferred tax liabilities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:DeferredTaxLiabilitiesGainsLossesOnRepurchasedDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzE0LTItMS0xLTA_33d1af70-ae62-4480-8d1d-bbb57556d582">10,131</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:DeferredTaxLiabilitiesGainsLossesOnRepurchasedDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzE0LTQtMS0xLTA_33392b6b-d046-439c-b0e8-f79fa8be540c">11,098</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Acquired intangible assets</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzE1LTItMS0xLTA_9992be68-42ec-4bad-a5e8-229ca2a289fb">8,710</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzE1LTQtMS0xLTA_fbd79411-8ce5-405c-9bba-07a268591b03">7,767</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Market value adjustments on student loans, investments and derivatives</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:DeferredTaxLiabilitiesMarketValueAdjustments" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzE2LTItMS0xLTA_bdb68e28-8999-46d7-9e88-c27fc1d3259b">33</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:DeferredTaxLiabilitiesMarketValueAdjustments" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzE2LTQtMS0xLTA_dfa04bb1-5ab2-44e0-826e-002e863a16b6">5,651</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net unrealized gains</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzE3LTItMS0xLTA_5d63121a-5a7a-416b-83bb-e84b89324bee">6,459</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzE3LTQtMS0xLTA_97bec3bd-9aa7-4f27-83a7-346c99a8d82b">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal deferred for state receivable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:DeferredTaxLiabilitiesFederalDeferredforStateReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzE4LTItMS0xLTA_d6abb6b5-33b0-4c04-b024-fe7df02a0387">1,921</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:DeferredTaxLiabilitiesFederalDeferredforStateReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzE4LTQtMS0xLTA_4f39378f-4b6e-4c25-a625-2cecd28edda6">7,456</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Student loan premiums and discounts, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="slm:DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzE5LTItMS0xLTA_52e8ae90-a86c-4e58-a393-da4949fc736a">12,396</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="slm:DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzE5LTQtMS0xLTA_c179af3c-c14a-45f6-b0b1-82611b0a3756">11,336</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DeferredTaxLiabilitiesOther" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzIwLTItMS0xLTA_2c0c9a38-491e-4a7b-89ab-8da2843542f1">363</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DeferredTaxLiabilitiesOther" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzIwLTQtMS0xLTA_1eb153ee-d34f-4be6-9f43-7fc289c9d554">307</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total deferred tax liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DeferredIncomeTaxLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzIxLTItMS0xLTA_d4dbc322-5b0d-4cbf-a523-fe1824506c92">40,013</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DeferredIncomeTaxLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzIxLTQtMS0xLTA_40677909-3ef2-4ca5-a0ae-82de94a99c2e">43,615</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Net deferred tax assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:DeferredTaxAssetsLiabilitiesNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzIyLTItMS0xLTA_03583793-f960-4445-94f7-8c0f29404e2e">298,831</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:DeferredTaxAssetsLiabilitiesNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjY2RkZjM5MGU5N2Q0MDM3OTk1NTdiM2UwYTM0NWRjYS90YWJsZXJhbmdlOmNjZGRmMzkwZTk3ZDQwMzc5OTU1N2IzZTBhMzQ1ZGNhXzIyLTQtMS0xLTA_d1a24cd4-917d-4c91-b622-1e278337ffd2">355,305</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Included in operating loss carryovers are state net operating losses of $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:OperatingLossCarryforwardsValuationAllowance" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzc5Mg_d9ea64d6-71d2-4d02-a373-7500a11075e7">286</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-6" name="us-gaap:OperatingLossCarryforwardsValuationAllowance" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzgwOA_2e6f8216-68ce-43da-b6c4-d48d106dc928">277</ix:nonFraction> million as of December 31, 2021 and 2020, respectively. The Company has recorded a valuation allowance against these net operating losses of $<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" name="us-gaap:ValuationAllowanceDeferredTaxAssetChangeInAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzk1MA_24de79af-efdd-4ea9-b832-07048b16c0c7">285</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" name="us-gaap:ValuationAllowanceDeferredTaxAssetChangeInAmount" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzk1Nw_e889d98a-1a2d-4f43-8364-4fe97925bfd3">277</ix:nonFraction>&#160;million, respectively. Also included in operating loss carryovers is a capital loss of $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="slm:OperatingLossCarryforwardsCapitalLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzEwMzk_3d5b30b9-fa8a-4078-8506-9bee276954f3">16</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-6" name="slm:OperatingLossCarryforwardsCapitalLoss" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzEwNDY_76ba667f-34ea-4968-b1c3-48b6a9148c0c">16</ix:nonFraction>&#160;million as of December 31, 2021 and 2020, respectively. The Company has recorded a full valuation allowance against this capital loss. The valuation allowance is primarily attributable to deferred tax assets for state net operating losses and capital losses that management believes is more likely than not to expire prior to being realized.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The ultimate realization of the deferred tax assets is dependent upon the generation of future taxable income of the appropriate character (i.e., capital or ordinary) during the period in which the temporary differences become deductible. Management considers, among other things, the scheduled reversals of deferred tax liabilities and the history of positive taxable income in evaluating the realizability of the deferred tax assets. Management believes that it is more likely than not that the results of future operations will generate sufficient taxable income to realize our deferred tax assets (other than state net operating loss and capital loss carryovers as outlined above).</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021, the state net operating loss carryforwards will begin to expire in 2029 and the capital losses in 2025.</span></div></ix:continuation><div style="margin-top:14pt;text-indent:11.25pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-84  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="margin-top:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:2.847%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.221%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">21.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Income Taxes (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="margin-top:14pt;text-indent:11.25pt"><span><br/></span></div><ix:continuation id="i1cfd363881ec460d8f9d4eb2a17b8369" continuedAt="ib508036cfdcd4b5b87731bdaf8401242"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Accounting for Uncertainty in Income Taxes</span></div><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzQ1Njk_daafc4ee-dbf7-4749-8f92-65d8b3a69b5a" escape="true"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes changes in unrecognized tax benefits:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.694%"><tr><td style="width:1.0%"></td><td style="width:56.480%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.097%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.763%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.565%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.763%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.565%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.767%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid 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scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjMTdlNzE4NGY0ZTA0MjEyYjMzNTVlNWI2MjUzMGVjOS90YWJsZXJhbmdlOmMxN2U3MTg0ZjRlMDQyMTJiMzM1NWU1YjYyNTMwZWM5XzYtNi0xLTEtMA_bfb0ca2c-ea62-4452-9802-96260eb1bcfa">8,670</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increases related to settlements with taxing authorities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromSettlementsWithTaxingAuthorities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjMTdlNzE4NGY0ZTA0MjEyYjMzNTVlNWI2MjUzMGVjOS90YWJsZXJhbmdlOmMxN2U3MTg0ZjRlMDQyMTJiMzM1NWU1YjYyNTMwZWM5XzYtNC0xLTEtNDI4ODQ_5455d9bd-3f5e-4037-8a47-ff7ed788b922">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjMTdlNzE4NGY0ZTA0MjEyYjMzNTVlNWI2MjUzMGVjOS90YWJsZXJhbmdlOmMxN2U3MTg0ZjRlMDQyMTJiMzM1NWU1YjYyNTMwZWM5XzctMi0xLTEtMA_e471555e-e516-4b7c-843e-34e2cc33f65c">4,978</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjMTdlNzE4NGY0ZTA0MjEyYjMzNTVlNWI2MjUzMGVjOS90YWJsZXJhbmdlOmMxN2U3MTg0ZjRlMDQyMTJiMzM1NWU1YjYyNTMwZWM5XzctNC0xLTEtMA_c9219647-598e-4be7-a76a-bffc7c07db88">9,948</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjMTdlNzE4NGY0ZTA0MjEyYjMzNTVlNWI2MjUzMGVjOS90YWJsZXJhbmdlOmMxN2U3MTg0ZjRlMDQyMTJiMzM1NWU1YjYyNTMwZWM5XzctNi0xLTEtMA_d903fdb5-936c-408f-8162-98a0b4e8a162">6,034</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unrecognized tax benefits at end of year</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-3" name="us-gaap:UnrecognizedTaxBenefits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjMTdlNzE4NGY0ZTA0MjEyYjMzNTVlNWI2MjUzMGVjOS90YWJsZXJhbmdlOmMxN2U3MTg0ZjRlMDQyMTJiMzM1NWU1YjYyNTMwZWM5XzgtMi0xLTEtMA_ac584179-8c53-4dc9-b26c-3bf0377d4740">75,328</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-3" name="us-gaap:UnrecognizedTaxBenefits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjMTdlNzE4NGY0ZTA0MjEyYjMzNTVlNWI2MjUzMGVjOS90YWJsZXJhbmdlOmMxN2U3MTg0ZjRlMDQyMTJiMzM1NWU1YjYyNTMwZWM5XzgtNC0xLTEtMA_21c09670-01d8-4997-8c79-5f68aa65e54b">63,134</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-3" name="us-gaap:UnrecognizedTaxBenefits" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90YWJsZTpjMTdlNzE4NGY0ZTA0MjEyYjMzNTVlNWI2MjUzMGVjOS90YWJsZXJhbmdlOmMxN2U3MTg0ZjRlMDQyMTJiMzM1NWU1YjYyNTMwZWM5XzgtNi0xLTEtMA_ab8541c8-91f5-4718-b3d2-8f9404785ea2">53,509</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></ix:nonNumeric><div><span><br/></span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, the gross unrecognized tax benefits are $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:UnrecognizedTaxBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzIzODU_8a025d8c-4e35-4a43-a308-0a67ebb83a6f">75</ix:nonFraction> million. Included in the $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:UnrecognizedTaxBenefits" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzI0MTM_135f2f2b-cfa6-42c9-9ef0-1d7277ea197e">75</ix:nonFraction> million are $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" format="ixt:num-dot-decimal" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzI0Mjg_986b3687-11d7-4490-89ce-2cd31018be88">65</ix:nonFraction>&#160;million of unrecognized tax benefits that, if recognized, would favorably impact the effective tax rate. As a part of the Spin-Off, the Company recorded a liability related to uncertain tax positions for which it is indemnified by Navient. See Note 2, &#8220;Significant Accounting Policies &#8212; Income Taxes,&#8221; for additional details.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax-related interest and penalty expense is reported as a component of income tax expense. As of December 31, 2021, 2020, and 2019, the total amount of income tax-related accrued interest and penalties, net of related benefit, recognized in the consolidated balance sheets was $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzMwMzE_c6765b7a-9939-4ca5-9bbf-a12cc6b84a22">10</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzMwNDQ_24209133-812f-4842-bec0-f716fe7dd3cc">11</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="iac94e2a83881481693b6d156b6f85ce2_I20191231" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzMwNjA_aa8c2789-faab-4157-80c5-a9f2455b1254">12</ix:nonFraction> million, respectively.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the years ended December 31, 2021, 2020, and 2019, the total amount of income tax-related accrued interest, net of related tax benefit, recognized in the consolidated statements of income was $(<ix:nonFraction unitRef="usd" contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" decimals="-6" sign="-" name="us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzMyNzc_20a853e8-b360-4a8e-8f6f-86d1d84e8ec3">1</ix:nonFraction>) million, $(<ix:nonFraction unitRef="usd" contextRef="i8565198ff84b4b2daa25301d6374a704_D20200101-20201231" decimals="-6" sign="-" name="us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzMyOTA_db189514-1d0d-4ab4-88cb-7ae3b243eefc">1</ix:nonFraction>) million, and $(<ix:nonFraction unitRef="usd" contextRef="i73311e5641c54bc9bf825a7fcbbc8836_D20190101-20191231" decimals="-6" sign="-" name="us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzMzMDY_76b1355d-c222-4933-9ca0-9ef508293160">1</ix:nonFraction>) million, respectively. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company or one of its subsidiaries files income tax returns at the U.S. federal level and in most U.S. states. U.S. federal income tax returns filed for years 2014 and prior are no longer subject to examination. Various combinations of subsidiaries, tax years, and jurisdictions remain open for review, subject to statute of limitations periods (typically <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzM2OTM_7cb96500-24b5-47d5-844e-ed1b1c28110b">three</span> to <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzM2OTk_8547c727-7d20-4c1b-b95a-e67eef386472">four</span> prior years). The Company&#8217;s federal income tax returns for the years ended December 31, 2015, December 31, 2016, and December 31, 2017 are currently under audit by the Internal Revenue Service. We do not expect the resolution of open audits to have a material impact on our unrecognized tax benefits.</span></div></ix:continuation><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="ib508036cfdcd4b5b87731bdaf8401242">It is reasonably possible that the uncertain tax position reserve may decrease by as much as $<ix:nonFraction unitRef="usd" contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231" decimals="-6" name="us-gaap:DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzQwNTI_727f8ccd-db00-4cbc-8e67-4a28c7a71abd">6</ix:nonFraction> million during the next 12 months due to the expiration of statutes of limitations, some of which related to indemnified tax liabilities. The reduction in the uncertain tax position reserve would be reflected as a tax benefit. We recorded a tax indemnification receivable from Navient for the indemnified tax liabilities which are included in the uncertain tax position reserve. A portion of the tax benefit will be offset by an expense related to the write-down of the indemnification receivable.</ix:continuation> </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-85</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_157"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">22.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ConcentrationRiskDisclosureTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTcvZnJhZzowMjE4MzU2NjgxMWU0YTUzOWY4ZDA5YjUzMjY3NGVjZS90ZXh0cmVnaW9uOjAyMTgzNTY2ODExZTRhNTM5ZjhkMDliNTMyNjc0ZWNlXzIzMDI_33afa2e8-6a96-4edb-aefc-296afe90ca0b" continuedAt="iadef5b05188c48a48f2a8c77823a320e" escape="true">Concentrations of Risk</ix:nonNumeric></span></div><ix:continuation id="iadef5b05188c48a48f2a8c77823a320e" continuedAt="i7ad4581c618b441fa18170bab7d4b2ef"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our business is primarily focused on helping students and their families save, plan, and pay for college. We primarily originate, service, and/or collect loans made to students and their families to finance the cost of their education. We provide funding, delivery, and servicing support for education loans in the United States through our Private Education Loan program.  Because of this concentration in one industry, we are exposed to credit, legislative/political/reputational, operational, regulatory, liquidity, capital, and interest rate risks associated with the student loan industry.</span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Concentration Risk in the Revenues Associated with Private Education Loans</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We compete in the Private Education Loan market with banks and other consumer lending institutions, some with strong consumer brand name recognition and greater financial resources. We compete based on our products, origination capability, and customer service. To the extent our competitors compete aggressively or more effectively, we could lose market share to them or subject our existing loans to refinancing risk. Our product offerings may not prove to be profitable and may result in higher than expected losses.</span></div></ix:continuation><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="i7ad4581c618b441fa18170bab7d4b2ef">We are a leading provider of saving- and paying-for-college products and programs. This concentration gives us a competitive advantage in the marketplace. This concentration also creates risks in our business, particularly in light of our concentration as a Private Education Loan lender. If population demographics result in a decrease in college-age individuals, if demand for higher education decreases, if the cost of attendance of higher education decreases, if consumers increase their targeted savings for higher education, if public resistance to higher education costs strengthens, if certain proposals for new federal and state spending on education gain broader appeal or momentum, or if the demand for higher education loans decreases, our consumer lending business could be negatively affected. In addition, the federal government, through the Federal Direct Student Loan Program (the &#8220;DSLP&#8221;), poses significant competition to our private credit loan products. If loan limits under the DSLP increase, DSLP loans could be more widely available to students and their families and DSLP loans could increase, resulting in further decreases in the size of the Private Education Loan market and demand for our Private Education Loan products. Also, competition from banks and other consumer lenders, many of whom may have a greater level of diversification in their mix of assets or may have lower return hurdles, could lead to decreases in demand for our Private Education Loan products.</ix:continuation> </span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-86  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_160"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="text-align:center"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">23.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90ZXh0cmVnaW9uOjI1NWIwMDU2NWMwNzQ4ODVhMTlkM2VjMWIyZTg3YzgyXzY0Ng_518d4b80-b2b0-4b3d-9c1f-463a89b79e81" continuedAt="ie30ed6b613604fbb9db0aec693327559" escape="true">Parent Only Statements </ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="ie30ed6b613604fbb9db0aec693327559" continuedAt="i4ddfb94ac9cb4d96b29ec1ac88e50ba8"><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following parent company-only financial information should be read in conjunction with the other notes to the consolidated financial statements. 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="slm:DuefromSubsidiaresNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzctMi0xLTEtMA_046d66ba-42e1-49b8-8abc-1c5ce0c47492">105,667</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="slm:DuefromSubsidiaresNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzctNC0xLTEtMA_7e4d4bfb-e10d-435e-965f-3c80383fd896">47,357</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other 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style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzgtNC0xLTEtMA_15e5e77f-3e83-4be3-b2ea-38f8446a4e7e">2,457</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzktMi0xLTEtMA_767139ab-f7c3-421b-8991-9200f385cfa6">3,215,581</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzktNC0xLTEtMA_f9e4ef88-6e09-41e4-9390-94f0d1343cf0">3,298,242</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" 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style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzEzLTQtMS0xLTA_903087d5-d87f-48b8-ac22-3a3824952867">692,879</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income taxes payable, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:TaxesPayableCurrentAndNoncurrent" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzE0LTItMS0xLTA_dc7301ac-fcf8-4bbe-af97-ee627076f9f4">34,822</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:TaxesPayableCurrentAndNoncurrent" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzE0LTQtMS0xLTA_a25ea70d-c5d3-469d-8f20-2ef7f04d135f">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Payable due to Navient</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:DueToAffiliateCurrentAndNoncurrent" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzE1LTItMS0xLTA_e5ebcf9f-548f-480d-8518-648089b1732b">101</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:DueToAffiliateCurrentAndNoncurrent" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzE1LTQtMS0xLTA_6a3faf62-7132-4e80-ae74-880e7786acae">8,531</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:OtherLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzE2LTItMS0xLTA_726f460e-a6a6-40d9-a8cc-f0aec407e20e">44,809</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:OtherLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzE2LTQtMS0xLTA_aad008cf-d23a-4f3c-90c7-fcca97974f23">33,997</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total liabilities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:Liabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzE3LTItMS0xLTA_ee375c32-3095-43df-9463-3e48e475dbd1">1,065,870</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:Liabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzE3LTQtMS0xLTA_fb012377-de89-4766-947a-a09751245cab">735,407</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Equity</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock, par value $<ix:nonFraction unitRef="usdPerShare" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="2" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIwLTAtMS0xLTAvdGV4dHJlZ2lvbjo0NTVjMmVmNDYwZDM0ODhkOTdmYjQ0NjkzMzZiZmM0N18zMQ_7ad10f55-8b53-493f-9c80-5d0c8f3650c7"><ix:nonFraction unitRef="usdPerShare" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="2" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIwLTAtMS0xLTAvdGV4dHJlZ2lvbjo0NTVjMmVmNDYwZDM0ODhkOTdmYjQ0NjkzMzZiZmM0N18zMQ_aaf1cdcb-b8f5-439a-be0c-7a099c6fe647">0.20</ix:nonFraction></ix:nonFraction> per share, <ix:nonFraction unitRef="shares" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:PreferredStockSharesAuthorized" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIwLTAtMS0xLTAvdGV4dHJlZ2lvbjo0NTVjMmVmNDYwZDM0ODhkOTdmYjQ0NjkzMzZiZmM0N180NQ_89a7b1ed-ee6b-4c48-835e-71833b40aca3"><ix:nonFraction unitRef="shares" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:PreferredStockSharesAuthorized" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIwLTAtMS0xLTAvdGV4dHJlZ2lvbjo0NTVjMmVmNDYwZDM0ODhkOTdmYjQ0NjkzMzZiZmM0N180NQ_9c33a650-1d9f-4b08-a759-b68226738c85">20</ix:nonFraction></ix:nonFraction> million shares authorized:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Series B: <ix:nonFraction unitRef="shares" contextRef="i4012a4d4f6b7458dba4eb53ceba8610e_I20211231" decimals="-3" name="us-gaap:PreferredStockSharesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIxLTAtMS0xLTAvdGV4dHJlZ2lvbjplZjUxOWIxN2JkNjY0MzgxYmU0NjVmN2U0ODlhMzg2ZV8xNA_330502b7-2b92-48b3-b3da-cef3058d2960">2.5</ix:nonFraction> million and <ix:nonFraction unitRef="shares" contextRef="i5a0d671a707742ecb02cf88b377a07d2_I20201231" decimals="-3" name="us-gaap:PreferredStockSharesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIxLTAtMS0xLTAvdGV4dHJlZ2lvbjplZjUxOWIxN2JkNjY0MzgxYmU0NjVmN2U0ODlhMzg2ZV8yOQ_e797d8f6-1a7a-4a71-8ef6-dfcdb7d98edc">2.5</ix:nonFraction> million shares issued, respectively, at stated value of $<ix:nonFraction unitRef="usdPerShare" contextRef="i4012a4d4f6b7458dba4eb53ceba8610e_I20211231" decimals="2" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIxLTAtMS0xLTAvdGV4dHJlZ2lvbjplZjUxOWIxN2JkNjY0MzgxYmU0NjVmN2U0ODlhMzg2ZV84OA_3fe8c762-54e4-4442-98d7-4b63cfc622ec"><ix:nonFraction unitRef="usdPerShare" contextRef="i5a0d671a707742ecb02cf88b377a07d2_I20201231" decimals="2" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIxLTAtMS0xLTAvdGV4dHJlZ2lvbjplZjUxOWIxN2JkNjY0MzgxYmU0NjVmN2U0ODlhMzg2ZV84OA_d850df1e-cb27-4634-b4bb-fe48bf4457dd">100</ix:nonFraction></ix:nonFraction> per share</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i4012a4d4f6b7458dba4eb53ceba8610e_I20211231" decimals="-3" name="us-gaap:PreferredStockValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIxLTItMS0xLTA_db49273e-fcdd-49d1-b619-8d090c6269b0">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i5a0d671a707742ecb02cf88b377a07d2_I20201231" decimals="-3" name="us-gaap:PreferredStockValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIxLTQtMS0xLTA_fbb95da3-2f38-4b60-a341-b633f09c42b2">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common stock, par value $<ix:nonFraction unitRef="usdPerShare" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="2" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIyLTAtMS0xLTAvdGV4dHJlZ2lvbjo0OTAzYzc4ODVjZjM0YTUxODIwNmM5YzViMzc3ZmQyMF8yOA_01fcd1e3-a4bd-4af7-8f97-f86a006e0199"><ix:nonFraction unitRef="usdPerShare" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="2" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIyLTAtMS0xLTAvdGV4dHJlZ2lvbjo0OTAzYzc4ODVjZjM0YTUxODIwNmM5YzViMzc3ZmQyMF8yOA_4693e16b-8bd8-4bd3-90a6-160749496c40">0.20</ix:nonFraction></ix:nonFraction> per share, <ix:nonFraction unitRef="shares" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:CommonStockSharesAuthorized" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIyLTAtMS0xLTAvdGV4dHJlZ2lvbjo0OTAzYzc4ODVjZjM0YTUxODIwNmM5YzViMzc3ZmQyMF80Mg_b667df7c-96df-45ac-bb12-331cb20fa916"><ix:nonFraction unitRef="shares" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:CommonStockSharesAuthorized" scale="9" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIyLTAtMS0xLTAvdGV4dHJlZ2lvbjo0OTAzYzc4ODVjZjM0YTUxODIwNmM5YzViMzc3ZmQyMF80Mg_da548aad-ad30-4261-b6d5-340d858da9e2">1.125</ix:nonFraction></ix:nonFraction> billion shares authorized: <ix:nonFraction unitRef="shares" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:CommonStockSharesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIyLTAtMS0xLTAvdGV4dHJlZ2lvbjo0OTAzYzc4ODVjZjM0YTUxODIwNmM5YzViMzc3ZmQyMF83Mg_def3fd5c-d3ad-49d0-a9ce-ff43d0a1d228">432.0</ix:nonFraction> million and <ix:nonFraction unitRef="shares" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:CommonStockSharesIssued" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIyLTAtMS0xLTAvdGV4dHJlZ2lvbjo0OTAzYzc4ODVjZjM0YTUxODIwNmM5YzViMzc3ZmQyMF84Nw_f7d8d718-949a-4580-8099-092e6c4ebcd1">456.7</ix:nonFraction> million shares issued, respectively</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:CommonStockValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIyLTItMS0xLTA_34f5332c-d730-4a7c-99c8-b767d7c66cec">86,403</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:CommonStockValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIyLTQtMS0xLTA_82fa19a4-3cc1-405e-89da-1172335d78b6">91,346</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Additional paid-in capital</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:AdditionalPaidInCapital" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIzLTItMS0xLTA_f02e5037-e4d7-4e69-bf0c-2423a0c6caad">1,074,384</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:AdditionalPaidInCapital" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzIzLTQtMS0xLTA_df26c329-3eae-42ed-99a3-0e456b973b61">1,331,247</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accumulated other comprehensive loss (net of tax benefit of $(<ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:AociTaxAttributableToParent" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI0LTAtMS0xLTAvdGV4dHJlZ2lvbjpjY2NiY2EyOGNiN2U0MGU3OWM4OTE5ZTUzYWQzM2JjNl82Ng_b2fb17df-fe29-4437-b766-9610dbb556f3">5,707</ix:nonFraction>) and $(<ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" sign="-" name="us-gaap:AociTaxAttributableToParent" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI0LTAtMS0xLTAvdGV4dHJlZ2lvbjpjY2NiY2EyOGNiN2U0MGU3OWM4OTE5ZTUzYWQzM2JjNl83Ng_07c69fdc-4b80-47e0-a639-4762a870a4ee">10,908</ix:nonFraction>), respectively)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" sign="-" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI0LTItMS0xLTA_070d49ac-eb23-4137-902e-538478d3f55e">17,897</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" sign="-" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI0LTQtMS0xLTA_44ea668c-55a1-4d3d-a9e0-5b8580468785">34,200</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Retained earnings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI1LTItMS0xLTA_ae814d59-4704-4def-9f5c-73c8999a1a21">2,817,134</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI1LTQtMS0xLTA_8e14ef20-e188-4c9b-9cd8-b0a1727ac9c4">1,722,365</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total SLM Corporation stockholders&#8217; equity before treasury stock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI2LTItMS0xLTA_b3971987-2ecd-4f4f-8e2d-05b06fedd262">4,211,094</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI2LTQtMS0xLTA_0fce73a4-3798-493e-b02c-423f64926803">3,361,828</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: Common stock held in treasury at cost: <ix:nonFraction unitRef="shares" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:TreasuryStockShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI3LTAtMS0xLTAvdGV4dHJlZ2lvbjpmMDNmMDgzM2M4YTA0NWQ5OTVmN2I3MjYzMTM3MTA5M180OQ_c7143364-9cd1-4237-8d46-7ddcca81ccc8">153.1</ix:nonFraction> million and <ix:nonFraction unitRef="shares" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:TreasuryStockShares" scale="6" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI3LTAtMS0xLTAvdGV4dHJlZ2lvbjpmMDNmMDgzM2M4YTA0NWQ5OTVmN2I3MjYzMTM3MTA5M182NA_dfabf696-74af-4066-8a2a-2ac093cc6322">81.4</ix:nonFraction> million shares, respectively</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:TreasuryStockValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI3LTItMS0xLTA_c45d4576-ea12-4269-8668-c38b145f12a3">2,061,383</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:TreasuryStockValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI3LTQtMS0xLTA_0e2d17d4-36c4-4ed4-92d3-2e65423b0e73">798,993</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total equity</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI4LTItMS0xLTA_df894ff2-d7a9-40df-99f7-5bc30b56104e">2,149,711</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI4LTQtMS0xLTA_bae0c58c-07c1-414e-ad61-97e0164d19d8">2,562,835</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total liabilities and equity</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:LiabilitiesAndStockholdersEquity" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI5LTItMS0xLTA_b4a4dbce-1ef2-48e9-805f-af43f434a9ce">3,215,581</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:LiabilitiesAndStockholdersEquity" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTozOGNhOGI0ZWU1ZDE0ZDgzYTNhZTE1MjY1MjU3NTg2NS90YWJsZXJhbmdlOjM4Y2E4YjRlZTVkMTRkODNhM2FlMTUyNjUyNTc1ODY1XzI5LTQtMS0xLTA_d6c9b0f9-420a-42f2-a797-06fd55494d08">3,298,242</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></ix:nonNumeric></div></ix:continuation><div style="margin-top:6pt"><span><br/></span></div><div style="margin-top:6pt;text-align:center"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-87</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.853%"><tr><td style="width:1.0%"></td><td style="width:3.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.629%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.533%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">23.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Parent Only Statements (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="text-align:center"><ix:continuation id="i4ddfb94ac9cb4d96b29ec1ac88e50ba8" continuedAt="i0437fbdde5de42e1a4530627ab0dd6be"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:14pt;font-weight:400;line-height:120%">&#160;</span><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="srt:ScheduleOfCondensedIncomeStatementTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90ZXh0cmVnaW9uOjI1NWIwMDU2NWMwNzQ4ODVhMTlkM2VjMWIyZTg3YzgyXzYzOA_30812419-8cc9-4a05-bb1c-69f4843519b5" escape="true"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.333%"><tr><td style="width:1.0%"></td><td style="width:49.468%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.125%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.051%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.125%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.051%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.125%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.055%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Parent Only Condensed Statements of Income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span 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0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:InterestAndDividendIncomeOperating" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzUtMi0xLTEtMA_8e778fa6-f9cd-48d7-9ee0-5add697789de">34,816</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" sign="-" 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contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzUtNi0xLTEtMA_b117f121-b6ba-411a-9cdf-82907c7a74a7">8,397</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:3pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-interest income (loss)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:NoninterestIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzctMi0xLTEtMA_733c5c85-7c50-402e-a401-23f80251ee7f">13,078</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:NoninterestIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzctNC0xLTEtMA_41462b74-b3a6-4cac-a6f7-95f327f042a3">2,820</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:NoninterestIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzctNi0xLTEtMA_fd061fc2-8190-4e0e-b9dc-0f3007de4b42">10,856</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-interest expenses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzgtMi0xLTEtMA_2b3ca090-b878-4d0b-a597-a77d8afdcf70">54,352</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzgtNC0xLTEtMA_c8c9e081-2f4f-4293-9855-4387228125aa">57,945</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzgtNi0xLTEtMA_c5efb416-d65a-4b63-a5fd-3854ce8003a8">39,423</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:3pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loss before income tax benefit and equity in net income from subsidiaries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" sign="-" name="slm:IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzEwLTItMS0xLTA_643f0624-1bf3-4827-af09-b7bbd5efd076">102,246</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" sign="-" name="slm:IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzEwLTQtMS0xLTA_5932be87-f8f0-4281-afa5-561a872c78c0">69,569</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" sign="-" name="slm:IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzEwLTYtMS0xLTA_87574105-22af-4f5a-9c94-c733d395b739">58,676</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense (benefit)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzExLTItMS0xLTA_f7d184fb-a7a1-4457-b112-d2b207641026">8,477</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzExLTQtMS0xLTA_70bae9ab-32b5-4a92-831c-c7b84f6bf29d">11,235</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzExLTYtMS0xLTA_1d8e273b-1030-42f8-b02f-64c0902156d3">25,260</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Equity in net income from subsidiaries (primarily Sallie Mae Bank)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:IncomeLossFromSubsidiariesNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzEyLTQtMS0xLTA_7db552cd-d515-48e6-8720-7403b837729c">939,024</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:IncomeLossFromSubsidiariesNetOfTax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzEyLTYtMS0xLTA_17f75349-c1e2-45ee-9bc4-f328bffaa1b8">611,692</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzEzLTItMS0xLTA_e5cb9809-7f46-485b-ad18-97d0416fb6b4">1,160,513</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzEzLTQtMS0xLTA_8f8e3be5-e4f6-4265-8f6e-ea7dbe5c07c1">880,690</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzEzLTYtMS0xLTA_d7485c95-5d7e-4820-92dd-8924f3388773">578,276</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzE0LTItMS0xLTA_30d8354e-8a51-4870-90c2-0e619efb0d67">4,736</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzE0LTQtMS0xLTA_123ed58b-d0a8-4fc7-bd41-fe8d29d9d855">9,734</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzE0LTYtMS0xLTA_39d5d796-d752-4063-acc7-41ab8208d90a">16,837</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income attributable to SLM Corporation common stock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzE1LTItMS0xLTA_99e250c9-cc75-4b64-93dc-3d5476b4ba4b">1,155,777</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzE1LTQtMS0xLTA_1b510ca3-82a3-4411-82f6-bae5e2f23f03">870,956</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZToyY2RhMzk4ZWZlMDU0NWUwOWI3YWRmOTllNDgyZDc4Zi90YWJsZXJhbmdlOjJjZGEzOThlZmUwNTQ1ZTA5YjdhZGY5OWU0ODJkNzhmXzE1LTYtMS0xLTA_5af9e84a-2819-4c05-8102-ca1d80a4a5f5">561,439</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></ix:nonNumeric></ix:continuation></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-88  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:3.578%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.490%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">23.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Parent Only Statements (Continued)</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center;text-indent:24.75pt"><ix:continuation id="i0437fbdde5de42e1a4530627ab0dd6be"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="srt:ScheduleOfCondensedCashFlowStatementTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90ZXh0cmVnaW9uOjI1NWIwMDU2NWMwNzQ4ODVhMTlkM2VjMWIyZTg3YzgyXzY2MQ_42c1fbe4-2496-45e2-9f36-7b86668f7fef" escape="true"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.555%"><tr><td style="width:1.0%"></td><td style="width:56.529%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.936%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.887%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.936%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.887%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.936%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.889%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Parent Only Condensed Statement of Cash Flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td 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style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjustments to reconcile net income to net cash (used in) provided by operating activities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Undistributed earnings of subsidiaries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="slm:Undistributedearningsofsubsidiaries" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzYtMi0xLTEtMA_6a9eaa12-e406-405c-9f45-7692ba11b449">1,271,236</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="slm:Undistributedearningsofsubsidiaries" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzYtNC0xLTEtMA_61e0f4be-0334-47f9-a995-38276db6649a">939,024</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="slm:Undistributedearningsofsubsidiaries" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzYtNi0xLTEtMA_13227634-f1cd-484b-a19f-66a6f5d5b474">611,692</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:GainsLossesOnExtinguishmentOfDebt" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzEwLTYtMS0xLTQxMzgz_032caef0-4496-471c-8f11-6b5439813146">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="slm:Decreaseincreaseininvestmentsinsubsidiariesnet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzExLTQtMS0xLTA_f29cab49-dc94-424c-8b5a-f83d7c74e3c2">53,698</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="slm:Decreaseincreaseininvestmentsinsubsidiariesnet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzExLTYtMS0xLTA_0ab00759-9b91-469b-87ab-90956e485347">2,611</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(Increase) decrease in due from subsidiaries, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="slm:IncreaseDecreaseinDuefromSubsidiariesNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzEzLTItMS0xLTA_5eebf01b-24d9-43cb-9581-538431a4a0d6">58,310</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="slm:IncreaseDecreaseinDuefromSubsidiariesNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzEzLTQtMS0xLTA_3658f7e9-22a5-40db-ac91-29728f87da2a">4,813</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" sign="-" name="slm:IncreaseDecreaseinDuefromSubsidiariesNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzEzLTYtMS0xLTA_f0a4ca16-de60-4540-a446-7e37e3b469ba">6,254</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increase in other assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE0LTItMS0xLTA_c06b8138-3e41-4257-9ebc-2a8190a5f8e3">16,964</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE0LTQtMS0xLTA_e4527e03-73d2-431d-9c41-3e9878167962">10,504</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE0LTYtMS0xLTA_0678a329-e312-48e9-82f5-1e331f869a74">12,999</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increase (decrease) in income taxes payable, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="slm:IncreaseDecreaseinincometaxpayabletorelatedparty" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE1LTItMS0xLTA_b33160fc-b2d4-43b4-a21d-caff1de5585c">36,657</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" sign="-" name="slm:IncreaseDecreaseinincometaxpayabletorelatedparty" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE1LTQtMS0xLTA_6a071cb2-3b2d-4317-a7a2-9d48e717bfcd">13,292</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" sign="-" name="slm:IncreaseDecreaseinincometaxpayabletorelatedparty" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE1LTYtMS0xLTA_2b12939f-a0a7-4a32-aea9-a8eebdae36c0">25,814</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Decrease in payable due to entity that is a subsidiary of Navient</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInDueToRelatedParties" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE2LTItMS0xLTA_76f481b6-4234-4b66-bc08-95f7812663c7">8,430</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInDueToRelatedParties" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE2LTQtMS0xLTA_a14f8404-7296-4683-b9a1-9a091d514e82">533</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInDueToRelatedParties" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE2LTYtMS0xLTA_72ced661-b551-428a-a8a4-abb078e504cf">416</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increase (decrease) 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0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE3LTQtMS0xLTA_11017146-7563-48f0-a7f2-2ac53b86a9db">12,874</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE3LTYtMS0xLTA_5783688d-25ee-451f-b0b4-f44b313e1cdf">5,796</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total adjustments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE4LTItMS0xLTA_5e9d36bb-f8eb-4fa3-93ad-ae8bb5341800">179,209</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE4LTQtMS0xLTA_ea4f62ff-1173-4f12-9a76-61c1f36bd306">323,430</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE4LTYtMS0xLTA_358f957f-0715-43be-b8ee-f33c95185ce8">381,392</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net cash provided by operating activities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE5LTItMS0xLTA_555dfdb5-f7a6-4bbb-adff-dd448413dcb6">1,339,722</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE5LTQtMS0xLTA_c545da34-ddfe-41e9-960d-62f69c9674ae">557,260</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzE5LTYtMS0xLTA_d3ffc0ad-7b71-407b-996d-551ed420035a">196,884</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash flows from investing activities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Proceeds from the sale of Upromise subsidiary, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:ProceedsFromSalesOfAssetsInvestingActivities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzIyLTItMS0xLTA_cddcb8a2-8367-41c6-b3ab-7e6d021dfc42">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:ProceedsFromSalesOfAssetsInvestingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzIyLTQtMS0xLTA_e4045781-e28b-42ec-9352-d5f8706cd968">16,922</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:ProceedsFromSalesOfAssetsInvestingActivities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzIyLTYtMS0xLTA_2720a772-b6fc-484e-aad8-3913deb4528f">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net cash provided by investing activities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid 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0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzIzLTQtMS0xLTA_d6f31fd9-c4c9-40e0-9297-73b95e921981">16,922</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzIzLTYtMS0xLTA_f4bc8c53-8c6c-449b-92fc-db674a96d7a4">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash flows from financing activities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzI2LTItMS0xLTA_03f7394f-5430-4429-8515-1dd2f627040f">1,540</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzI2LTQtMS0xLTA_06cf1326-2001-48ca-ac31-b9d5ce4b173e">1,309</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzI2LTYtMS0xLTA_8d6499b3-48b9-44d7-ab4d-fc0634a7e37b">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unsecured debt issued</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfUnsecuredDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzI3LTQtMS0xLTA_106e974b-e2da-4e53-b5e7-74e3cb0ddf9c">495,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfUnsecuredDebt" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzI3LTYtMS0xLTA_fdc1b23d-c333-42cd-8159-42065b2f2458">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unsecured debt repaid</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:RepaymentsOfUnsecuredDebt" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzI4LTItMS0xLTA_362dbbea-412e-4d25-af68-24d45de4324e">202,784</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:RepaymentsOfUnsecuredDebt" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzI4LTQtMS0xLTA_f0a9b656-541c-4c1e-830a-6995d98de290">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:RepaymentsOfUnsecuredDebt" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzI4LTYtMS0xLTA_4486b009-d7c2-4dcb-8a42-661b8c9619f3">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Repurchase of Series B Preferred Stock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfPreferredStockAndPreferenceStock" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzI5LTItMS0xLTA_ad0ad744-d57a-402a-a2b1-203f7d6044dd">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:ProceedsFromIssuanceOfPreferredStockAndPreferenceStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzI5LTQtMS0xLTA_ff5b8380-e884-457c-92a3-6cbfefc466c1">68,055</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfPreferredStockAndPreferenceStock" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzI5LTYtMS0xLTA_292858f5-30bc-459f-ab74-eda7a57c7ddd">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common stock dividends paid</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:PaymentsOfDividendsCommonStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzMwLTItMS0xLTA_d0541218-3494-4d31-a5b9-2a78949e0b4c">60,462</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:PaymentsOfDividendsCommonStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzMwLTQtMS0xLTA_61fcad42-1dff-4360-9564-4ed0c87530bd">46,351</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:PaymentsOfDividendsCommonStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzMwLTYtMS0xLTA_e6e1c022-ea8b-4ec8-a67a-c3d2a5c9a4a8">51,114</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends paid</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:PaymentsOfDividends" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzMxLTItMS0xLTA_56461e17-5f22-4487-976d-d046cb831828">4,736</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:PaymentsOfDividends" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzMxLTQtMS0xLTA_34d68c5f-0680-410e-85d6-ceb800889821">9,734</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:PaymentsOfDividends" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzMxLTYtMS0xLTA_5ac82670-6024-4613-8cd1-f623cefae390">16,837</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common stock repurchased</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzMyLTItMS0xLTA_f73ae0c2-8e44-4d39-b5a0-db20607c45a8">1,530,683</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzMyLTQtMS0xLTA_c73b7d4e-5196-459c-8b9d-199a8021bcda">558,167</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzMyLTYtMS0xLTA_6069b1b9-f293-45d9-9b0a-c1c3cc0dcb4f">167,201</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net cash used in financing activities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzMzLTItMS0xLTA_ede56287-8696-4a4a-8bb8-a178a5713fef">1,308,070</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzMzLTQtMS0xLTA_b4ab432b-a979-41ed-9118-020f5aa66a7f">188,616</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzMzLTYtMS0xLTA_2c859120-fb4a-49e1-9ce7-466f4725555e">235,152</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net increase (decrease) in cash and cash equivalents</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iea5628c458774ea987b86578b1b42ef9_D20210101-20211231" decimals="-3" name="us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzM0LTItMS0xLTA_fdf52786-6fa8-4cd4-b16b-a1acc1c8cca1">31,652</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="icf474a0f45864419a8dc49fbec80f35c_D20200101-20201231" decimals="-3" name="us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzM0LTQtMS0xLTA_5f5947c0-9ad6-4e90-8289-872edeb93bf6">385,566</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i64b7372e53754519b60571301ba2f9f0_D20190101-20191231" decimals="-3" sign="-" name="us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzM0LTYtMS0xLTA_901b31e7-202f-4549-83ce-1f217c95298b">38,268</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and cash equivalents at beginning of year</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzM1LTItMS0xLTA_441ee129-50fb-495a-a013-f7d487dac608">539,074</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia45ebeea55de4bd9bc2debbebd439079_I20191231" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzM1LTQtMS0xLTA_26b4a95f-71de-490b-a642-736eb4a11e94">153,508</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i7f3f6a6c10d14e328103822363474aee_I20181231" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzM1LTYtMS0xLTA_e46a450c-02eb-4808-bbe1-ec93b4c123c0">191,776</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and cash equivalents at end of year</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9d21e71a7ac3413a8d642b01ed111c2a_I20211231" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzM2LTItMS0xLTA_5f14a90a-2bdc-4380-bd6b-7a58bdc0ca44">570,726</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ida504d0fdcb94617a1c1a113d47ebd26_I20201231" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzM2LTQtMS0xLTA_f23b57a3-7da5-4b9e-8928-8b4bd95591bc">539,074</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ia45ebeea55de4bd9bc2debbebd439079_I20191231" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90YWJsZTplMDkxNzQ4ZjJjNTY0NzlmYTFlN2FlNDlmMjdjNTc3Yy90YWJsZXJhbmdlOmUwOTE3NDhmMmM1NjQ3OWZhMWU3YWU0OWYyN2M1NzdjXzM2LTYtMS0xLTA_458355d7-2e7f-41b9-a1b5-b066dd85298a">153,508</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></ix:nonNumeric></ix:continuation></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-89</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_163"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="text-align:center"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">24.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:QuarterlyFinancialInformationTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90ZXh0cmVnaW9uOjgyY2FjNzQ0MjllZjQzMTJhYWYzZWU2MDJmNTE0YjhkXzcxNA_e0506a10-5680-4f5a-b22d-34c55354eadd" continuedAt="i4708722de6264a55b7ceb3a1755c191a" escape="true">Selected Quarterly Financial Information (unaudited)</ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="i4708722de6264a55b7ceb3a1755c191a" continuedAt="ieaeebc8dd3f946a2b177bf3c8a17d819"><ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90ZXh0cmVnaW9uOjgyY2FjNzQ0MjllZjQzMTJhYWYzZWU2MDJmNTE0YjhkXzcyMA_6709fedb-745d-4896-b4e4-4acb69a32c5b" continuedAt="i5eb16ef40b9b48efa5b02cc37c35b9f2" escape="true"><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.694%"><tr><td style="width:1.0%"></td><td style="width:51.193%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.717%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.717%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.717%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.717%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.912%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">(Dollars in thousands, except per share data)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">First </span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Second</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Third</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fourth</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i05e5458fc7fb466aa205f53bf06bd729_D20210701-20210930" decimals="-3" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzMtNi0xLTEtMA_d61fb44e-d331-42e1-8084-001072960746">357,518</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="-3" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzMtOC0xLTEtMA_769727e8-5740-4697-b865-0617449ea71c">367,350</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzQtMi0xLTEtMA_6b683afa-6df6-4f39-9fd4-7ae373988f6a">225,767</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9c80d61c559e45d1baa9f2008880a5f5_D20210401-20210630" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzQtNC0xLTEtMA_637401c7-1bbd-4a76-a252-56cb85881e1d">69,677</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i05e5458fc7fb466aa205f53bf06bd729_D20210701-20210930" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzQtNi0xLTEtMA_ac69f176-ae38-4022-9756-71ebb6076368">138,442</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="-3" sign="-" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzQtOC0xLTEtMA_0d5bf102-ad63-4129-b450-232329a9e658">15,309</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income after provisions for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i05e5458fc7fb466aa205f53bf06bd729_D20210701-20210930" decimals="-3" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzUtNi0xLTEtMA_917d786b-c13f-4806-811f-7ede2641d3c1">219,076</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="-3" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzUtOC0xLTEtMA_bc34bc88-3f4d-4705-8616-360801fc24d7">382,659</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains (losses) on sales of loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib30417f54545440c9334a253939cc433_D20210101-20210331" decimals="-3" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzYtMi0xLTEtMA_44a1b7e0-bada-480c-9a72-e21a26e98e76">399,111</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9c80d61c559e45d1baa9f2008880a5f5_D20210401-20210630" decimals="-3" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzYtNC0xLTEtMA_553937f1-2550-468d-9ff9-4d15b149bd79">3,679</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i05e5458fc7fb466aa205f53bf06bd729_D20210701-20210930" decimals="-3" sign="-" name="us-gaap:GainLossOnSaleOfNotesReceivable" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzYtNi0xLTEtMA_b2030cff-8827-4b86-ae4b-780294bf5cfa">10</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="-3" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzYtOC0xLTEtMA_7beae87a-c476-4228-9e29-e899ae3dfdd0">145,535</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains (losses) on derivative and hedging activities, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib30417f54545440c9334a253939cc433_D20210101-20210331" decimals="-3" name="us-gaap:GainLossOnDerivativeInstrumentsNetPretax" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzgtMi0xLTEtMA_01f3db8b-4440-4311-bbf0-f5cdf689800a">28</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9c80d61c559e45d1baa9f2008880a5f5_D20210401-20210630" decimals="-3" name="us-gaap:GainLossOnDerivativeInstrumentsNetPretax" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzgtNC0xLTEtMA_54b76f4b-fbe1-400d-8c82-647a46c070ee">89</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i05e5458fc7fb466aa205f53bf06bd729_D20210701-20210930" decimals="-3" name="us-gaap:GainLossOnDerivativeInstrumentsNetPretax" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzgtNi0xLTEtMA_eae4e5a2-d85d-42db-a3fe-d8ed8c2c646a">44</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="-3" sign="-" name="us-gaap:GainLossOnDerivativeInstrumentsNetPretax" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzgtOC0xLTEtMA_6e3e9ede-cdf0-45ad-9f62-1ace892ddaf3">17</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib30417f54545440c9334a253939cc433_D20210101-20210331" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzktMi0xLTEtMA_8c3e78ef-594b-4539-887f-2e3ee3cb84ca">14,288</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9c80d61c559e45d1baa9f2008880a5f5_D20210401-20210630" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzktNC0xLTEtMA_bb44165b-1299-484b-8002-2d319d3c360f">48,580</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i05e5458fc7fb466aa205f53bf06bd729_D20210701-20210930" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzktNi0xLTEtMA_72b84606-e60e-4649-9e09-fc22df3e396a">13,879</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzktOC0xLTEtMA_89286ae0-6525-4568-84e5-ce0b4ef79e6f">7,243</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total operating expenses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib30417f54545440c9334a253939cc433_D20210101-20210331" decimals="-3" name="us-gaap:OperatingExpenses" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzEwLTItMS0xLTA_f4ccbd00-8a51-4437-810e-d83f5b2a59e7">124,499</ix:nonFraction>&#160;</span></td><td 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0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="-3" name="us-gaap:OperatingExpenses" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzEwLTgtMS0xLTA_aee839b0-aebe-47ea-b7ac-f54944b4fa6f">125,495</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total restructuring expenses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib30417f54545440c9334a253939cc433_D20210101-20210331" decimals="-3" name="us-gaap:RestructuringCharges" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzExLTItMS0xLTA_37c84d50-c1eb-4237-9849-0b243d40f9f9">1,077</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9c80d61c559e45d1baa9f2008880a5f5_D20210401-20210630" decimals="-3" name="us-gaap:RestructuringCharges" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzExLTQtMS0xLTA_1cdee601-79c8-4564-887e-d63e7bc3bce1">70</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i05e5458fc7fb466aa205f53bf06bd729_D20210701-20210930" decimals="-3" name="us-gaap:RestructuringCharges" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzExLTYtMS0xLTA_2c010508-526c-46ed-88e7-a1d54d8df420">108</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="-3" name="us-gaap:RestructuringCharges" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzExLTgtMS0xLTA_7d37aa6a-8967-44a3-828a-318f39cd6332">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib30417f54545440c9334a253939cc433_D20210101-20210331" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzEyLTItMS0xLTA_07885dd8-d977-4ede-922a-192152956433">203,525</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i05e5458fc7fb466aa205f53bf06bd729_D20210701-20210930" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzEyLTYtMS0xLTA_70756052-c297-4f5f-bcd2-38bd81acd447">19,392</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="-3" name="us-gaap:NetIncomeLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzEzLTgtMS0xLTA_d748f85d-e98a-45a1-9bc1-13e5701de8e4">306,265</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib30417f54545440c9334a253939cc433_D20210101-20210331" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE0LTItMS0xLTA_3a58d647-057d-460b-90e2-09dd7d54b6fa">1,201</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i9c80d61c559e45d1baa9f2008880a5f5_D20210401-20210630" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE0LTQtMS0xLTA_9e051e72-dc85-4c2a-a953-91d148883b9f">1,192</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i05e5458fc7fb466aa205f53bf06bd729_D20210701-20210930" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE0LTYtMS0xLTA_9cf12ff3-e694-4c08-99c1-a2e1fa434f56">1,166</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE0LTgtMS0xLTA_d1a756bc-ee1e-41ea-a831-fa38c2afb25e">1,177</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i05e5458fc7fb466aa205f53bf06bd729_D20210701-20210930" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE1LTYtMS0xLTA_303fe8c6-aaff-483d-abc9-64d970f99f6e"><ix:nonFraction unitRef="usd" contextRef="i05e5458fc7fb466aa205f53bf06bd729_D20210701-20210930" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE1LTYtMS0xLTA_6ef469ed-bb5d-488d-96c1-283fcd3d98e5">71,674</ix:nonFraction></ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE1LTgtMS0xLTA_b4255fef-3e4b-4f37-90cf-7c0fad89e0c7"><ix:nonFraction unitRef="usd" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE1LTgtMS0xLTA_da0ff4a0-ba05-4537-8a97-1c18ed29fce9">305,088</ix:nonFraction></ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Basic earnings per common share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 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1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i9c80d61c559e45d1baa9f2008880a5f5_D20210401-20210630" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE2LTQtMS0xLTA_0cf8c246-c8dc-4a47-aad3-4090fb60ea4c">0.45</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:3pt double 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE2LTYtMS0xLTA_c06c2bc7-7330-47ab-9642-0d991a48137f">0.24</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE2LTgtMS0xLTA_da7f1eb4-9e7f-4cb8-b566-bd82e159f15a">1.06</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Diluted earnings per common share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="ib30417f54545440c9334a253939cc433_D20210101-20210331" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE3LTItMS0xLTA_74951149-d76f-4ea8-a136-5921235b802b">1.75</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i9c80d61c559e45d1baa9f2008880a5f5_D20210401-20210630" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE3LTQtMS0xLTA_e5649eda-10b5-44b5-a1c6-f3314faedba6">0.44</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i05e5458fc7fb466aa205f53bf06bd729_D20210701-20210930" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE3LTYtMS0xLTA_d297839d-72a0-434e-871a-26160830fb8d">0.24</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE3LTgtMS0xLTA_be7912bc-9fff-447b-947f-f6681f953d88">1.04</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Declared dividends per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="ib30417f54545440c9334a253939cc433_D20210101-20210331" decimals="2" name="us-gaap:CommonStockDividendsPerShareDeclared" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE4LTItMS0xLTA_26c6e63c-3037-4b00-90f7-0af21361a9aa">0.03</ix:nonFraction>&#160;</span></td><td 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#000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i05e5458fc7fb466aa205f53bf06bd729_D20210701-20210930" decimals="2" name="us-gaap:CommonStockDividendsPerShareDeclared" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE4LTYtMS0xLTA_1c7d4aa2-899c-4e14-abfc-23004eb987a2">0.03</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="i48a69a6844eb42da869cca5c97121ae5_D20211001-20211231" decimals="2" name="us-gaap:CommonStockDividendsPerShareDeclared" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTo5ZWZlZjI1YmU4ZTQ0OTJkODZkZWI5NDk1Y2I5YmNjMy90YWJsZXJhbmdlOjllZmVmMjViZThlNDQ5MmQ4NmRlYjk0OTVjYjliY2MzXzE4LTgtMS0xLTA_ff725571-deb1-4edc-b798-6d76d9864a15">0.11</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;     </span></div><div style="margin-top:9pt;padding-left:99pt;padding-right:63pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic and diluted earnings per common share attributable to SLM Corporation are computed independently for each of the quarters presented. Therefore, the sum of quarterly basic and diluted earnings per common share information may not equal annual basic and diluted earnings per common share.</span></div></ix:nonNumeric></ix:continuation><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-90  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.707%"><tr><td style="width:1.0%"></td><td style="width:4.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:93.769%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">24.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Selected Quarterly Financial Information (unaudited) (Continued)</span></td></tr></table></div><div><span><br/></span></div></div><ix:continuation id="ieaeebc8dd3f946a2b177bf3c8a17d819"><ix:continuation id="i5eb16ef40b9b48efa5b02cc37c35b9f2"><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.555%"><tr><td style="width:1.0%"></td><td style="width:51.105%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.719%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.929%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.719%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.929%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.719%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.929%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.719%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.932%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">First</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Second</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Third</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fourth</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">(Dollars in thousands, except per share data)</span></td><td 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style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i34862cf739a4446e83d6ed7925b5d0b1_D20200101-20200331" decimals="-3" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" 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1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iacddf89816ee4054a51937c7986e4c87_D20200701-20200930" decimals="-3" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzMtNi0xLTEtMA_6567efea-4b1d-4e92-b4b6-4615023c4b31">364,567</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib9ac02d1cbd344a4a1e12dd0e0c8147d_D20201001-20201231" decimals="-3" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzMtOC0xLTEtMA_b3a548c2-c9a7-4df3-bde5-1311f48f0871">366,537</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iacddf89816ee4054a51937c7986e4c87_D20200701-20200930" decimals="-3" sign="-" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzQtNi0xLTEtMA_449543a5-1047-49f7-a3a2-3fd23bf4c22a">3,640</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ib9ac02d1cbd344a4a1e12dd0e0c8147d_D20201001-20201231" decimals="-3" sign="-" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzQtOC0xLTEtMA_d8b5bac4-9228-4695-9acf-3f12f6fa6afc">316,372</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income (loss) after provisions for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i34862cf739a4446e83d6ed7925b5d0b1_D20200101-20200331" decimals="-3" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzUtMi0xLTEtMA_0f10281d-9ace-419d-9e3a-da2db92fedfe">338,858</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ie212a959906a436bbfecac14f8d7e451_D20200401-20200630" decimals="-3" sign="-" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzUtNC0xLTEtMA_302e8a62-1121-46c0-b909-d9bd00a29cdd">3,112</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iacddf89816ee4054a51937c7986e4c87_D20200701-20200930" decimals="-3" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzUtNi0xLTEtMA_ccea0045-0ca0-4aa6-a359-8ef131d68297">368,207</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib9ac02d1cbd344a4a1e12dd0e0c8147d_D20201001-20201231" decimals="-3" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzUtOC0xLTEtMA_dd3a3019-9582-4e73-83f5-f0b3d8bdf191">682,909</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains (losses) on sales of loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i34862cf739a4446e83d6ed7925b5d0b1_D20200101-20200331" decimals="-3" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzYtMi0xLTEtMA_5160e12d-1168-41d9-a75f-0fe4f83e3ec7">238,935</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ie212a959906a436bbfecac14f8d7e451_D20200401-20200630" decimals="-3" sign="-" name="us-gaap:GainLossOnSaleOfNotesReceivable" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzYtNC0xLTEtMA_12bc285e-f2d9-4205-bd15-fc606e5d2821">369</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iacddf89816ee4054a51937c7986e4c87_D20200701-20200930" decimals="-3" sign="-" name="us-gaap:GainLossOnSaleOfNotesReceivable" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzYtNi0xLTEtMA_be930204-922a-44e0-94ec-005bb027d14a">4</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ib9ac02d1cbd344a4a1e12dd0e0c8147d_D20201001-20201231" decimals="-3" sign="-" name="us-gaap:GainLossOnSaleOfNotesReceivable" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzYtOC0xLTEtMA_6c6ad78e-34c0-457d-a567-a3f1134bd262">247</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzgtMi0xLTEtMA_384b50ed-918d-4ff4-a7ee-a7b5bda1866c">45,672</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie212a959906a436bbfecac14f8d7e451_D20200401-20200630" decimals="-3" name="us-gaap:GainLossOnDerivativeInstrumentsNetPretax" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzgtNC0xLTEtMA_44d0b9d1-7172-48be-93f4-9318380beed1">3,751</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="iacddf89816ee4054a51937c7986e4c87_D20200701-20200930" decimals="-3" sign="-" name="us-gaap:GainLossOnDerivativeInstrumentsNetPretax" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzgtNi0xLTEtMA_39a37e03-9b6c-4184-8474-da80f293e6e6">15</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib9ac02d1cbd344a4a1e12dd0e0c8147d_D20201001-20201231" decimals="-3" name="us-gaap:GainLossOnDerivativeInstrumentsNetPretax" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzgtOC0xLTEtMA_22007ae8-5e2b-44df-ae72-ddc3b43011fd">136</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i34862cf739a4446e83d6ed7925b5d0b1_D20200101-20200331" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzktMi0xLTEtMA_f03908d5-01d9-4740-8cab-9609df7385a5">7,487</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie212a959906a436bbfecac14f8d7e451_D20200401-20200630" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzktNC0xLTEtMA_35bd982c-84ea-4df4-a3a5-934a066d175c">25,412</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iacddf89816ee4054a51937c7986e4c87_D20200701-20200930" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzktNi0xLTEtMA_24b4e76c-7bff-4d06-b9dc-71788b2ec0d8">9,646</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib9ac02d1cbd344a4a1e12dd0e0c8147d_D20201001-20201231" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzktOC0xLTEtMA_2a50d819-cb2d-4af1-9c1b-4c22dfaa0b3d">1,043</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total operating expenses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i34862cf739a4446e83d6ed7925b5d0b1_D20200101-20200331" decimals="-3" name="us-gaap:OperatingExpenses" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzEwLTItMS0xLTA_1839b32b-f1a7-40ff-b14a-99dc3b38dc47">147,298</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie212a959906a436bbfecac14f8d7e451_D20200401-20200630" decimals="-3" name="us-gaap:OperatingExpenses" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzEwLTQtMS0xLTA_8053973f-02ee-48c9-9505-fc05bfa76385">141,557</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 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0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib9ac02d1cbd344a4a1e12dd0e0c8147d_D20201001-20201231" decimals="-3" name="us-gaap:OperatingExpenses" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzEwLTgtMS0xLTA_7351ce23-bc15-4132-982d-5195635dd877">121,743</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total restructuring expenses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i34862cf739a4446e83d6ed7925b5d0b1_D20200101-20200331" decimals="-3" name="us-gaap:RestructuringCharges" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzExLTItMS0xLTQxOTI5_a559cea2-5cdd-45ff-abd2-b5c7980d3b25">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ie212a959906a436bbfecac14f8d7e451_D20200401-20200630" decimals="-3" name="us-gaap:RestructuringCharges" format="ixt:fixed-zero" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzExLTQtMS0xLTQxOTM0_cd565df5-a592-482d-ada9-7ec60c036688">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iacddf89816ee4054a51937c7986e4c87_D20200701-20200930" decimals="-3" name="us-gaap:RestructuringCharges" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzExLTYtMS0xLTQxOTM5_2c35e1fa-c05c-4946-8091-d1973432e972">24,127</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib9ac02d1cbd344a4a1e12dd0e0c8147d_D20201001-20201231" decimals="-3" name="us-gaap:RestructuringCharges" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzExLTgtMS0xLTQxOTQ0_4bb65316-c834-4c47-85fb-1b2dc7aec080">2,088</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense (benefit)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="i34862cf739a4446e83d6ed7925b5d0b1_D20200101-20200331" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzExLTItMS0xLTA_6eef36e3-e442-42d3-af77-f83f22292a95">121,481</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ie212a959906a436bbfecac14f8d7e451_D20200401-20200630" decimals="-3" sign="-" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzExLTQtMS0xLTA_aa4d51df-ef83-4e8a-b692-c864e51a0817">30,664</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="iacddf89816ee4054a51937c7986e4c87_D20200701-20200930" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzExLTYtMS0xLTA_54c7c902-f370-4686-9e83-d428dd73ebe5">55,189</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ie212a959906a436bbfecac14f8d7e451_D20200401-20200630" decimals="-3" sign="-" name="us-gaap:NetIncomeLoss" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzEyLTQtMS0xLTA_be5ddf99-09e6-4bc8-b0ea-6c6d7f6f5b59">85,211</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt 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style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="ib9ac02d1cbd344a4a1e12dd0e0c8147d_D20201001-20201231" decimals="-3" name="us-gaap:NetIncomeLoss" format="ixt:num-dot-decimal" scale="3" 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style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="ie212a959906a436bbfecac14f8d7e451_D20200401-20200630" decimals="-3" sign="-" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted" format="ixt:num-dot-decimal" scale="3" 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id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzE0LTgtMS0xLTA_4af30920-8634-4767-a280-292c5b9c512d"><ix:nonFraction unitRef="usd" contextRef="ib9ac02d1cbd344a4a1e12dd0e0c8147d_D20201001-20201231" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzE0LTgtMS0xLTA_7e19320e-13b4-4ded-bded-ce82e1c1cdc9">430,966</ix:nonFraction></ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Basic earnings (loss) per common share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 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0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="iacddf89816ee4054a51937c7986e4c87_D20200701-20200930" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzE2LTYtMS0xLTA_820099e4-40da-48fd-bb37-42888ef50023">0.45</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double 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style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="ib9ac02d1cbd344a4a1e12dd0e0c8147d_D20201001-20201231" decimals="2" name="us-gaap:CommonStockDividendsPerShareDeclared" scale="0" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90YWJsZTpjZmJmN2U0OTFkYjg0ZWY1YWQ2NmYzMjhiYjc3Njc2Ni90YWJsZXJhbmdlOmNmYmY3ZTQ5MWRiODRlZjVhZDY2ZjMyOGJiNzc2NzY2XzE3LTgtMS0xLTA_3f1c8020-5871-40cd-9f6e-20ade9bc7d1e">0.03</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;      </span></div><div style="margin-top:9pt;padding-left:99pt;padding-right:63pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic and diluted earnings per common share attributable to SLM Corporation are computed independently for each of the quarters presented. Therefore, the sum of quarterly basic and diluted earnings per common share information may not equal annual basic and diluted earnings per common share.</span></div></ix:continuation></ix:continuation><div style="padding-right:63pt;text-indent:-9pt"><span><br/></span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-left:36pt;text-align:right"><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K &#8212;</span><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION     F-91</span></div></div></div><div id="i35472170320a48e7aebfc3743129a2e0_166"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="text-align:center"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline"><a style="color:#5078a1;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline" href="#i35472170320a48e7aebfc3743129a2e0_67">Table of Contents</a></span></div></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">25.  <ix:nonNumeric contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231" name="us-gaap:SubsequentEventsTextBlock" id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjYvZnJhZzo3OWViZWFlZjQ3NmY0MGQ0YTNjOGIxYTdmZDhmNGM5My90ZXh0cmVnaW9uOjc5ZWJlYWVmNDc2ZjQwZDRhM2M4YjFhN2ZkOGY0YzkzXzM0NDE_c8f222c4-07e6-47ff-821e-892d4222b1c0" continuedAt="ifbfa928d8b0845c6a006db322e72aebe" escape="true">Subsequent Events </ix:nonNumeric></span></div><div style="margin-top:9pt;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="ifbfa928d8b0845c6a006db322e72aebe">On January 26, 2022, we signed a definitive agreement with Epic Research LLC to purchase the assets primarily used or held for use of Epic Research Education Services, LLC, which does business as Nitro College (&#8220;Nitro&#8221;). Nitro provides resources that help students and families evaluate how to responsibly pay for college and manage their financial responsibilities after graduation. Nitro takes pride in equipping college students and their parents with the necessary tools to navigate college financing, manage their debt, and obtain scholarship opportunities. In addition to providing a scholarship finder, Nitro provides FAFSA application support, information on grants, and calculators to help college students determine the potential return on investment from a college degree. The addition of Nitro will support the our mission of providing students with the confidence needed to successfully navigate the higher education journey. Strategically, we expect the acquisition of the Nitro assets, including its employees and intellectual property, when complete, to immediately expand our digital marketing capabilities, reduce the cost to acquire customer accounts, and accelerate our progress to become a broader education solutions provider for students before, during, and immediately after college. We have had a partnership with Nitro since 2017, and it has been a source of Private Education Loan leads during this period. The transaction is subject to customary approvals and closing conditions and is expected to close in the first quarter of 2022. Terms of the purchase are not being disclosed, but the purchase price is not material to the Company.</ix:continuation> </span></div><div style="height:43.2pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-92  </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">   </span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SLM CORPORATION </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2021 Form 10-K</span></div></div></div></body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-21.1
<SEQUENCE>2
<FILENAME>slmex21112312021.htm
<DESCRIPTION>EX-21.1
<TEXT>
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<title>Document</title></head><body><div id="i13d4d686ea4044658848c54bedd0eec5_1"></div><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="margin-top:9pt"><font><br></font></div><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Exhibit 21.1 </font></div><div style="margin-top:4.5pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SUBSIDIARIES OF </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SLM CORPORATION </font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</font><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.187%"><tr><td style="width:1.0%"></td><td style="width:45.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.176%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:47.142%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Incorporation</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Jurisdiction of&#160;Name&#160;&#160;&#160;&#160;</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Sallie Mae Bank</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Utah</font></td></tr></table></div><div style="margin-bottom:3pt;padding-left:234pt;padding-right:234pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6pt;font-weight:400;line-height:120%">&#160;</font><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:57.748%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">* Pursuant to Item 601(b)(21)(ii) of Regulation S-K, the names of other subsidiaries of SLM Corporation are omitted because, considered in the aggregate, they would not constitute a significant subsidiary as of the end of the year covered by this report.</font></div></td></tr></table></div><div><font><br></font></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>slmex23112312021.htm
<DESCRIPTION>EX-23.1
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"><html><head>
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<title>Document</title></head><body><div id="i34fb9949a7d240cc8555a0332224dd18_1"></div><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Exhibit 23.1 </font></div><div style="margin-top:4.5pt;text-align:center"><font><br></font></div><div style="margin-top:4.5pt;text-align:center"><font><br></font></div><div style="margin-top:4.5pt;text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10.19pt;font-weight:700;line-height:120%">Consent of Independent Registered Public Accounting Firm </font></div><div style="margin-bottom:18pt"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10.2pt;font-weight:400;line-height:120%">The Board of Directors</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10.2pt;font-weight:400;line-height:120%">SLM Corporation&#58;</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10.2pt;font-weight:400;line-height:120%">We consent to the incorporation by reference in the registration statements of SLM Corporation and subsidiaries (the Company)&#58; </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:36.636%"><tr><td style="width:1.0%"></td><td style="width:38.654%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.047%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:52.999%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Form</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Registration number</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-140285</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-125317</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-33575</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-33577</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-44425</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-53631</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-68634</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-80921</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-92132</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-109315</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-109319</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-159447</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-116136</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-181646</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-256937</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S-3</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-258300</font></td></tr></table></div><div style="margin-bottom:10pt;text-align:justify"><font><br></font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10.2pt;font-weight:400;line-height:115%">of our reports dated February 24, 2022, with respect to the consolidated balance sheets of the Company as of December 31, 2021 and 2020, the related consolidated statements of income, comprehensive income, changes in equity, and cash flows for each of the years in the three-year period ended December 31, 2021, and the related notes (collectively, the consolidated financial statements), and the effectiveness of internal control over financial reporting as of December 31, 2021, which reports appear in the December 31, 2021 annual report on Form 10&#8209;K of the Company.</font></div><div style="margin-bottom:10pt;text-align:justify"><font><br></font></div><div style="margin-bottom:10pt;text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10.2pt;font-weight:400;line-height:115%">As discussed in Note 2 to the financial statements, the Company has changed its method of accounting for the recognition and measurement of credit losses as of January 1, 2020 due to the adoption of ASC Topic 326, Financial Instruments &#8211; Credit Losses.</font></div><div><font><br></font></div><div><font><br></font></div><div style="margin-bottom:10pt;text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10.2pt;font-style:italic;font-weight:400;line-height:120%">&#47;s&#47; KPMG LLP</font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10.2pt;font-weight:400;line-height:120%">McLean, Virginia </font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10.2pt;font-weight:400;line-height:120%">February 24, 2022</font></div><div><font><br></font></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>4
<FILENAME>slmex31112312021.htm
<DESCRIPTION>EX-31.1
<TEXT>
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<!-- Document created using Wdesk -->
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<title>Document</title></head><body><div id="ib095489d9b71449cbd7329bd3d5a3403_1"></div><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Exhibit 31.1</font></div><div><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">I, Jonathan W. Witter, certify that&#58; </font></div><div><font><br></font></div><div style="padding-left:20.25pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1.&#160;&#160;&#160;&#160;I have reviewed this annual report on Form 10-K of SLM Corporation&#59; </font></div><div style="padding-left:20.25pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:20.25pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2.&#160;&#160;&#160;&#160;Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report&#59;</font></div><div style="padding-left:20.25pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:20.25pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">3.&#160;&#160;&#160;&#160;Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report&#59;</font></div><div style="padding-left:20.25pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:20.25pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">4.&#160;&#160;&#160;&#160;The registrant&#8217;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have&#58;</font></div><div><font><br></font></div><div style="padding-left:31.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">a)&#160;&#160;&#160;&#160;Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared&#59;</font></div><div style="padding-left:31.5pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:31.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">b)&#160;&#160;&#160;&#160;Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles&#59;</font></div><div style="padding-left:31.5pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:31.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">c)&#160;&#160;&#160;&#160;Evaluated the effectiveness of the registrant&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation&#59; and</font></div><div style="padding-left:31.5pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:31.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">d)&#160;&#160;&#160;&#160;Disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting&#59; and</font></div><div><font><br></font></div><div style="padding-left:20.25pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">5.&#160;&#160;&#160;&#160;The registrant&#8217;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of the registrant&#8217;s board of directors (or persons performing the equivalent functions)&#58;</font></div><div><font><br></font></div><div style="padding-left:31.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">a)&#160;&#160;&#160;&#160;All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#8217;s ability to record, process, summarize and report financial information&#59; and</font></div><div style="padding-left:31.5pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:31.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">b)&#160;&#160;&#160;&#160;Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting.</font></div><div style="padding-left:31.5pt;text-indent:-9pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:49.853%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#47;s&#47; JONATHAN W. WITTER</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Jonathan W. Witter</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Chief Executive Officer</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(Principal Executive Officer)</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">February 24, 2022</font></td></tr></table></div><div><font><br></font></div><div><font><br></font></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>5
<FILENAME>slmex31212312021.htm
<DESCRIPTION>EX-31.2
<TEXT>
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<title>Document</title></head><body><div id="i9e63de4585384843b7546df341dc438d_1"></div><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Exhibit 31.2</font></div><div><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">I, Steven J. McGarry, certify that&#58; </font></div><div><font><br></font></div><div style="padding-left:20.25pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1.&#160;&#160;&#160;&#160;I have reviewed this annual report on Form 10-K of SLM Corporation&#59; </font></div><div style="padding-left:20.25pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:20.25pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2.&#160;&#160;&#160;&#160;Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report&#59;</font></div><div style="padding-left:20.25pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:20.25pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">3.&#160;&#160;&#160;&#160;Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report&#59;</font></div><div style="padding-left:20.25pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:20.25pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">4.&#160;&#160;&#160;&#160;The registrant&#8217;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have&#58;</font></div><div><font><br></font></div><div style="padding-left:31.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">a)&#160;&#160;&#160;&#160;Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared&#59;</font></div><div style="padding-left:31.5pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:31.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">b)&#160;&#160;&#160;&#160;Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles&#59;</font></div><div style="padding-left:31.5pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:31.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">c)&#160;&#160;&#160;&#160;Evaluated the effectiveness of the registrant&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation&#59; and</font></div><div style="padding-left:31.5pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:31.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">d)&#160;&#160;&#160;&#160;Disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting&#59; and</font></div><div><font><br></font></div><div style="padding-left:20.25pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">5.&#160;&#160;&#160;&#160;The registrant&#8217;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of the registrant&#8217;s board of directors (or persons performing the equivalent functions)&#58;</font></div><div><font><br></font></div><div style="padding-left:31.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">a)&#160;&#160;&#160;&#160;All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#8217;s ability to record, process, summarize and report financial information&#59; and</font></div><div style="padding-left:31.5pt;text-indent:-9pt"><font><br></font></div><div style="padding-left:31.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">b)&#160;&#160;&#160;&#160;Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting.</font></div><div style="padding-left:31.5pt;text-indent:-9pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:49.853%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#47;s&#47; STEVEN J. MCGARRY</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Steven J. McGarry</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Executive Vice President and Chief Financial Officer</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(Principal Financial Officer)</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">February 24, 2022</font></td></tr></table></div><div><font><br></font></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>6
<FILENAME>slmex32112312021.htm
<DESCRIPTION>EX-32.1
<TEXT>
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<title>Document</title></head><body><div id="ide6a72cf76f240a5baccc2b5efb8729b_1"></div><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Exhibit 32.1</font></div><div style="margin-top:5pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CERTIFICATION PURSUANT TO</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">18 U.S.C. SECTION 1350,</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">AS ADOPTED PURSUANT TO</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002</font></div><div><font><br></font></div><div style="text-align:justify;text-indent:13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the Annual Report of SLM Corporation (the &#8220;Company&#8221;) on Form 10-K for the year ended December&#160;31, 2021, as filed with the Securities and Exchange Commission on the date hereof (the &#8220;Report&#8221;), I, Jonathan W. Witter, Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. &#167; 1350, as adopted pursuant to &#167; 906 of the Sarbanes-Oxley Act of 2002, that&#58;</font></div><div><font><br></font></div><div style="padding-left:24.75pt;text-align:justify;text-indent:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(1)&#160;&#160;&#160;&#160;The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934&#59; and</font></div><div style="padding-left:24.75pt;text-indent:-13.5pt"><font><br></font></div><div style="padding-left:24.75pt;text-align:justify;text-indent:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(2)&#160;&#160;&#160;&#160;The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of the Company.</font></div><div style="padding-left:13.5pt;text-indent:-13.5pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div><div style="margin-top:9pt;text-align:right;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:49.853%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#47;s&#47; JONATHAN W. WITTER</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Jonathan W. Witter</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Chief Executive Officer</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(Principal Executive Officer)</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">February 24, 2022</font></td></tr></table></div><div><font><br></font></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>7
<FILENAME>slmex32212312021.htm
<DESCRIPTION>EX-32.2
<TEXT>
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<title>Document</title></head><body><div id="i9f925336b6e145baa2706c0c9592c74a_1"></div><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Exhibit 32.2</font></div><div style="margin-top:5pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CERTIFICATION PURSUANT TO</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">18 U.S.C. SECTION 1350,</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">AS ADOPTED PURSUANT TO</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002</font></div><div><font><br></font></div><div style="text-align:justify;text-indent:13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the Annual Report of SLM Corporation (the &#8220;Company&#8221;) on Form 10-K for the year ended December&#160;31, 2021, as filed with the Securities and Exchange Commission on the date hereof (the &#8220;Report&#8221;), I, Steven J. McGarry, Executive Vice President and Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. &#167; 1350, as adopted pursuant to &#167; 906 of the Sarbanes-Oxley Act of 2002, that&#58;</font></div><div><font><br></font></div><div style="padding-left:24.75pt;text-align:justify;text-indent:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(1)&#160;&#160;&#160;&#160;The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934&#59; and</font></div><div style="padding-left:24.75pt;text-indent:-13.5pt"><font><br></font></div><div style="padding-left:24.75pt;text-align:justify;text-indent:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(2)&#160;&#160;&#160;&#160;The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of the Company.</font></div><div style="padding-left:13.5pt;text-indent:-13.5pt"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div><div style="margin-top:9pt;text-align:right;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:49.853%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#47;s&#47; STEVEN J. MCGARRY</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Steven J. McGarry</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Executive Vice President and Chief Financial Officer</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(Principal Financial Officer)</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">February 24, 2022</font></td></tr></table></div><div><font><br></font></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
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  <xs:element id="slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_VerticalRiskRetentionPercentage" abstract="false" name="VerticalRiskRetentionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" abstract="false" name="NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AmortizationofBrokeredDepositPlacement" abstract="false" name="AmortizationofBrokeredDepositPlacement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants" abstract="false" name="FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock" abstract="false" name="ScheduleofMaturitiesofTimeDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR" abstract="false" name="LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet" abstract="false" name="DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" abstract="false" name="PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AmountOfVariationMarginIncludedAsSettlement" abstract="false" name="AmountOfVariationMarginIncludedAsSettlement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" abstract="false" name="ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_DeferredTaxLiabilitiesMarketValueAdjustments" abstract="false" name="DeferredTaxLiabilitiesMarketValueAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AverageRecordedInvestmentAndInterestIncomeRecognizedForTroubledDebtRestructuringLoansTableTextBlock" abstract="false" name="AverageRecordedInvestmentAndInterestIncomeRecognizedForTroubledDebtRestructuringLoansTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_MoneyMarketandSavingsAccountsMember" abstract="true" name="MoneyMarketandSavingsAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_AllowanceAsPercentageOfEndingLoanBalance" abstract="false" name="AllowanceAsPercentageOfEndingLoanBalance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" abstract="false" name="FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" abstract="false" name="FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" abstract="false" name="PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_PercentageofLoansconcentratedinmajorstates" abstract="false" name="PercentageofLoansconcentratedinmajorstates" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable" abstract="true" name="ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="slm_PrivateEducationLoanSecuritizationMember" abstract="true" name="PrivateEducationLoanSecuritizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_LoansAndLeasesReceivablePeriodOfForbearance" abstract="false" name="LoansAndLeasesReceivablePeriodOfForbearance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_PerformanceVestingStockOptionsMember" abstract="true" name="PerformanceVestingStockOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_IncreaseDecreaseInNonMarketableSecuritiesNet" abstract="false" name="IncreaseDecreaseInNonMarketableSecuritiesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansInRepaymentBeforeAllowanceForCreditLoss" abstract="false" name="LoansInRepaymentBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PrivateEducationLoansMember" abstract="true" name="PrivateEducationLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_LoansinNonaccrualStatus" abstract="false" name="LoansinNonaccrualStatus" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LongTermDebtMaturityToCallDateRepaymentsOfPrincipalInYearOne" abstract="false" name="LongTermDebtMaturityToCallDateRepaymentsOfPrincipalInYearOne" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_CreditQualityIndicatorsAxis" abstract="true" name="CreditQualityIndicatorsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus" abstract="false" name="FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="LoansOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_Maturity2054Member" abstract="true" name="Maturity2054Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepayment" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepayment" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance" abstract="false" name="VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_AccruedInterestReceivableFairValueDisclosure" abstract="false" name="AccruedInterestReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DebtInstrumentWeightedAverageLife" abstract="false" name="DebtInstrumentWeightedAverageLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_A2020ShareRepurchaseProgramMember" abstract="true" name="A2020ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2045Member" abstract="true" name="Maturity2045Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_PrivateEducationLoansGrossPercentage" abstract="false" name="PrivateEducationLoansGrossPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_DebtInstrumentFaceAmountMaturityToCallDate" abstract="false" name="DebtInstrumentFaceAmountMaturityToCallDate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_InterestBearingDepositsTableTextBlock" abstract="false" name="InterestBearingDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants" abstract="false" name="FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="slm_PrivateEducationLoans2020TermAMember" abstract="true" name="PrivateEducationLoans2020TermAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_LoanAmountSecuritized" abstract="false" name="LoanAmountSecuritized" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_SecuredBorrowingsMember" abstract="true" name="SecuredBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_DenominatorAbstract" abstract="true" name="DenominatorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_LoansInRepaymentCurrentInPercentage" abstract="false" name="LoansInRepaymentCurrentInPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_OwnershipInterestPercentage" abstract="false" name="OwnershipInterestPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring" abstract="false" name="LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_MaximumContributionAmountPerEmployeeToEspp" abstract="false" name="MaximumContributionAmountPerEmployeeToEspp" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" abstract="false" name="LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_IncreaseDecreaseinincometaxpayabletorelatedparty" abstract="false" name="IncreaseDecreaseinincometaxpayabletorelatedparty" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_A2020AMember" abstract="true" name="A2020AMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_OperatingLossCarryforwardsCapitalLoss" abstract="false" name="OperatingLossCarryforwardsCapitalLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AccruedInterestReceivableFairValueDisclosureDifference" abstract="false" name="AccruedInterestReceivableFairValueDisclosureDifference" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_IncreaseToLifeOfLoanDefaults" abstract="false" name="IncreaseToLifeOfLoanDefaults" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_Rule10b51TradingPlanMember" abstract="true" name="Rule10b51TradingPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_UnfundedCommitmentsAbstract" abstract="true" name="UnfundedCommitmentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_DeferredTaxLiabilitiesGainsLossesOnRepurchasedDebt" abstract="false" name="DeferredTaxLiabilitiesGainsLossesOnRepurchasedDebt" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" abstract="false" name="AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="slm_AdoptionOfNewAccountingPronouncementsPercentDeferred" abstract="false" name="AdoptionOfNewAccountingPronouncementsPercentDeferred" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_TierOneCommonEquityCapitaltoRiskWeightedAssets" abstract="false" name="TierOneCommonEquityCapitaltoRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FloatingRateBorrowingsMember" abstract="true" name="FloatingRateBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_UncommittedFederalFunds" abstract="false" name="UncommittedFederalFunds" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_Maturity2046Member" abstract="true" name="Maturity2046Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_CashduefromFederalReserveBank" abstract="false" name="CashduefromFederalReserveBank" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_NetincreaseinMMDAdeposits" abstract="false" name="NetincreaseinMMDAdeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_Netincreasedecreaseinloansheldforinvestment" abstract="false" name="Netincreasedecreaseinloansheldforinvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AllowanceForCreditCardLoansPolicyTextBlock" abstract="false" name="AllowanceForCreditCardLoansPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems" abstract="true" name="ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_StudentLoanBorrowersWhoDidNotReturnToSchoolAndReceivedExtenstionMember" abstract="true" name="StudentLoanBorrowersWhoDidNotReturnToSchoolAndReceivedExtenstionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_ExcessOfNetAssetFairValueOverCarryingValue" abstract="false" name="ExcessOfNetAssetFairValueOverCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AllowanceForCreditLossesAbstract" abstract="true" name="AllowanceForCreditLossesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2" abstract="false" name="FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_ModifiedLoansAccountsForTroubledDebtRestructuringTableTextBlock" abstract="false" name="ModifiedLoansAccountsForTroubledDebtRestructuringTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_PersonalLoansMember" abstract="true" name="PersonalLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2049Member" abstract="true" name="Maturity2049Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_EffectiveTaxRateReconciliationReverseFederalImpactofIndemnificationAdjustments" abstract="false" name="EffectiveTaxRateReconciliationReverseFederalImpactofIndemnificationAdjustments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_AllowanceForPrivateEducationLoanLossesPolicyTextBlock" abstract="false" name="AllowanceForPrivateEducationLoanLossesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_TierOneofGovernmentGuarantee" abstract="false" name="TierOneofGovernmentGuarantee" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB" abstract="false" name="ParValueOfMortgageBackedSecuritiesPledgedToFRB" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_WeightedAverageInterestRateonLoans" abstract="false" name="WeightedAverageInterestRateonLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_TroubledDebtRestructuredLoansMember" abstract="true" name="TroubledDebtRestructuredLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_ThirdPartyBrokerFeesPaid" abstract="false" name="ThirdPartyBrokerFeesPaid" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_TDRLoansMember" abstract="true" name="TDRLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FinanceReceivableTransferredToHeldForSaleLineItems" abstract="true" name="FinanceReceivableTransferredToHeldForSaleLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_RepaymentsMember" abstract="true" name="RepaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" abstract="false" name="AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_CommonEquityTierOneRiskBasedCapital" abstract="false" name="CommonEquityTierOneRiskBasedCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract" abstract="true" name="AvailableForSaleSecuritiesUnrealizedLossPositionAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_ChargeOffsAsPercentageOfAverageLoansInRepayment" abstract="false" name="ChargeOffsAsPercentageOfAverageLoansInRepayment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_LoanStatusInSchoolGraceAndDefermentRecordedInvestment" abstract="false" name="LoanStatusInSchoolGraceAndDefermentRecordedInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LondonClearingHouseMember" abstract="true" name="LondonClearingHouseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FICOscore700749Member" abstract="true" name="FICOscore700749Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_LoansInRepaymentOriginatedInCurrentFiscalYear" abstract="false" name="LoansInRepaymentOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_TierThreeofGovernmentGuarantee" abstract="false" name="TierThreeofGovernmentGuarantee" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_Maturity2022Member" abstract="true" name="Maturity2022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_DuefromSubsidiaresNet" abstract="false" name="DuefromSubsidiaresNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" abstract="false" name="PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" abstract="false" name="PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_NumeratorAbstract" abstract="true" name="NumeratorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_LoansGrossBeforeAllowanceForCreditLoss" abstract="false" name="LoansGrossBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansInRepaymentInPercentage" abstract="false" name="LoansInRepaymentInPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted" abstract="false" name="FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_LoansGrossOriginatedInCurrentFiscalYear" abstract="false" name="LoansGrossOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" abstract="false" name="FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_EstimatedWeightedAverageLifeOfStudentLoans" abstract="false" name="EstimatedWeightedAverageLifeOfStudentLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_LoansInRepaymentAndPercentageOfEachStatusAbstract" abstract="true" name="LoansInRepaymentAndPercentageOfEachStatusAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance" abstract="false" name="FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="slm_PercentageofLoansheldinstate" abstract="false" name="PercentageofLoansheldinstate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_WithCosignerMember" abstract="true" name="WithCosignerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_BrokeredDepositsMember" abstract="true" name="BrokeredDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="slm_Netproceedsfromsalesofstudentloansheldforinvestment" abstract="false" name="Netproceedsfromsalesofstudentloansheldforinvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DerivativeNotionalAmountPercent" abstract="false" name="DerivativeNotionalAmountPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableSalesAllowanceForCreditLossReversal" abstract="false" name="FinancingReceivableSalesAllowanceForCreditLossReversal" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentPrincipal" abstract="false" name="NetProceedsFromSalesOfPersonalLoansHeldForInvestmentPrincipal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SchoolFICORefreshedAmountsMember" abstract="true" name="SchoolFICORefreshedAmountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment" abstract="false" name="AllowanceCoverageOfChargeOffsEndingLoansInRepayment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PrivateEducationLoansAtOrigination" abstract="false" name="PrivateEducationLoansAtOrigination" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_AllowanceAbstract" abstract="true" name="AllowanceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_Maturity2038Member" abstract="true" name="Maturity2038Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_DebtSecuritiesAvailableForSaleNumberOfPositions" abstract="false" name="DebtSecuritiesAvailableForSaleNumberOfPositions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Type1ofDefinedContributionPlan" abstract="false" name="Type1ofDefinedContributionPlan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_OtherIndustriesExcludingPrivateEducationLoansMember" abstract="true" name="OtherIndustriesExcludingPrivateEducationLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" abstract="false" name="PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable" abstract="false" name="GreaterThanNinetyDaysPastDueAccruedInterestReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR" abstract="false" name="PercentOfPrivateLoansIndexedToLIBOROrSOFR" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoanspledgedtoBorrowerinCustody" abstract="false" name="LoanspledgedtoBorrowerinCustody" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_Maturity2047Member" abstract="true" name="Maturity2047Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock" abstract="false" name="LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_ContractualMaturity" abstract="false" name="ContractualMaturity" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" abstract="false" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage" abstract="false" name="LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FICOscoregreaterthan750Member" abstract="true" name="FICOscoregreaterthan750Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" abstract="false" name="DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" abstract="false" name="FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SeniorUnsecuredNotesDueApril52022Member" abstract="true" name="SeniorUnsecuredNotesDueApril52022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_InvestmentinSubsidiary" abstract="false" name="InvestmentinSubsidiary" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" abstract="false" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_ABCPBorrowingsMember" abstract="true" name="ABCPBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_ConstantPrepaymentFeeVariableRate" abstract="false" name="ConstantPrepaymentFeeVariableRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="slm_CreditQualityIndicatorsDomain" abstract="true" name="CreditQualityIndicatorsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2044Member" abstract="true" name="Maturity2044Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentAccruedInterest" abstract="false" name="NetProceedsFromSalesOfPersonalLoansHeldForInvestmentAccruedInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_CombinationOfSubsidiariesTaxYears" abstract="false" name="CombinationOfSubsidiariesTaxYears" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
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  <xs:element id="slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" abstract="false" name="FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" abstract="false" name="ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="slm_LoansPledgedAsCollateralPrincipalAmount" abstract="false" name="LoansPledgedAsCollateralPrincipalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="slm_TreasuryStockSharesAcquiredAdditionalSharesReceived" abstract="false" name="TreasuryStockSharesAcquiredAdditionalSharesReceived" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" abstract="false" name="NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="slm_AllowanceForUncollectibleAccruedInterest" abstract="false" name="AllowanceForUncollectibleAccruedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" abstract="false" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="slm_CriteriaForLoansToBeConsideredAsNonperforming" abstract="false" name="CriteriaForLoansToBeConsideredAsNonperforming" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_FICOscore670699Member" abstract="true" name="FICOscore670699Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_DepositsPolicyTextBlock" abstract="false" name="DepositsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock" abstract="false" name="StockholdersEquityAttributabletoParentExcludingTreasuryStock" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_BrokeredDepositPlacementFee" abstract="false" name="BrokeredDepositPlacementFee" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansheldforinvestmentbyRegionTableTextBlock" abstract="false" name="LoansheldforinvestmentbyRegionTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_LoansheldforinvestmentbyRegionTable" abstract="true" name="LoansheldforinvestmentbyRegionTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" abstract="false" name="FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansOriginatedInCurrentFiscalYear" abstract="false" name="LoansOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" abstract="false" name="FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SMBPrivateEducationLoanTrust2021EMember" abstract="true" name="SMBPrivateEducationLoanTrust2021EMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable" abstract="false" name="DeferredTaxLiabilitiesFederalDeferredforStateReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="slm_PercentageofAggregateOutstandingLoansHeldForInvestment" abstract="false" name="PercentageofAggregateOutstandingLoansHeldForInvestment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_StudentLoanPortfolioByProgramTableTextBlock" abstract="false" name="StudentLoanPortfolioByProgramTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_PrivateEducationLoans2020TermBMember" abstract="true" name="PrivateEducationLoans2020TermBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrantsFinancialDifficultyStaus" abstract="false" name="FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrantsFinancialDifficultyStaus" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" abstract="false" name="LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits" abstract="false" name="DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" abstract="false" name="LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree" abstract="false" name="LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_CashAndInvestmentsInterestIncomeLoss" abstract="false" name="CashAndInvestmentsInterestIncomeLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SeniorUnsecuredNotesDueNovember22026Member" abstract="true" name="SeniorUnsecuredNotesDueNovember22026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_LoansHeldForSalePolicyTextBlock" abstract="false" name="LoansHeldForSalePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions" abstract="false" name="FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AccruedInterestReceivableTableTextBlock" abstract="false" name="AccruedInterestReceivableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_A2021ShareRepurchaseProgramMember" abstract="true" name="A2021ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_StudentLoansacquiredandoriginated" abstract="false" name="StudentLoansacquiredandoriginated" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DeferredTaxLiabilitiesNetandLiabilityDuetoUncertainTaxPositions" abstract="false" name="DeferredTaxLiabilitiesNetandLiabilityDuetoUncertainTaxPositions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansAndLeasesReceivablePercentageOfLoansInFullAndInterestRepaymentStatusThatAreSubjectToInterestRateReductions" abstract="false" name="LoansAndLeasesReceivablePercentageOfLoansInFullAndInterestRepaymentStatusThatAreSubjectToInterestRateReductions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" abstract="false" name="LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansBeforeAllowanceForCreditLoss" abstract="false" name="LoansBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_StockRepurchaseProgramCancelledPurchaseShares" abstract="false" name="StockRepurchaseProgramCancelledPurchaseShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="slm_InterestRateReductionPercentage" abstract="false" name="InterestRateReductionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" abstract="false" name="LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_WithoutCosignerMember" abstract="true" name="WithoutCosignerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive" abstract="false" name="LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PercentOfPrivateLoans" abstract="false" name="PercentOfPrivateLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_LongtermDebtFairValueDifferenceBetweenCarryingValueandFairValue" abstract="false" name="LongtermDebtFairValueDifferenceBetweenCarryingValueandFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" abstract="false" name="LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="slm_RetailandOtherDeposits" abstract="false" name="RetailandOtherDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" abstract="false" name="OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_Maturity2024Member" abstract="true" name="Maturity2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus" abstract="false" name="FinancingReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="slm_ScheduleofDepositsTableTextBlock" abstract="false" name="ScheduleofDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" abstract="false" name="IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="slm_LoansInSchoolGraceDefermentMember" abstract="true" name="LoansInSchoolGraceDefermentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans" abstract="false" name="CarryingAmountOfAssetsSecuringDebtOutstandingLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SallieMae401kSavingsPlanMember" abstract="true" name="SallieMae401kSavingsPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" abstract="false" name="TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="slm_Decreaseincreaseininvestmentsinsubsidiariesnet" abstract="false" name="Decreaseincreaseininvestmentsinsubsidiariesnet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="slm_HedgeAccountingAdjustment" abstract="false" name="HedgeAccountingAdjustment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit" abstract="false" name="OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="slm_NetProceedsFromSalesOfStudentLoansHeldForSalePrincipal" abstract="false" name="NetProceedsFromSalesOfStudentLoansHeldForSalePrincipal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_SchoolFicoMember" abstract="true" name="SchoolFicoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" abstract="false" name="FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest" abstract="false" name="NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" abstract="false" name="LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" abstract="false" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" abstract="false" name="PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" abstract="false" name="TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" abstract="false" name="PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_UtahHousingCorporationBondsMember" abstract="true" name="UtahHousingCorporationBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFour" abstract="false" name="LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_Cashpaidforbrokereddepositplacementfee" abstract="false" name="Cashpaidforbrokereddepositplacementfee" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_RestrictedStockUnitsAndPerformanceStockUnitsMember" abstract="true" name="RestrictedStockUnitsAndPerformanceStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_LoansAndLeasesReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus" abstract="false" name="LoansAndLeasesReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_FixedRateBorrowingsMember" abstract="true" name="FixedRateBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_BorrowingsCollateralizedByLoansInTrustRepaid" abstract="false" name="BorrowingsCollateralizedByLoansInTrustRepaid" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>9
<FILENAME>slm-20211231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
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    <link:label id="lab_us-gaap_RisksAndUncertaintiesAbstract_11a530b4-8316-4f51-9a4d-fc4e858e077d_terseLabel_en-US" xlink:label="lab_us-gaap_RisksAndUncertaintiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Risks and Uncertainties [Abstract]</link:label>
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    <link:label id="lab_us-gaap_EquitySecuritiesFvNi_6786d805-2d31-4d0b-b3e8-09d6a488c617_terseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNi" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-marketable securities investment</link:label>
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    <link:label id="lab_us-gaap_CertificatesOfDepositMember_290d6bf7-0383-4291-aa4e-fba61e17517c_terseLabel_en-US" xlink:label="lab_us-gaap_CertificatesOfDepositMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Certificates of Deposit</link:label>
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    <link:label id="lab_us-gaap_DeferredTaxAssetsNet_a6a3b523-7607-443b-8e00-0f11b80b0122_totalLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total deferred tax assets</link:label>
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    <link:label id="lab_us-gaap_HedgedLiabilityFairValueHedge_cd5b461d-1b45-49b9-97e6-df756ea430bb_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_HedgedLiabilityFairValueHedge" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Carrying Amount of the Hedged Assets/(Liabilities)</link:label>
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    <link:label id="lab_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear_9907cae0-f777-4e46-9c9e-1062b0da268e_terseLabel_en-US" xlink:label="lab_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans, Year 2</link:label>
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    <link:label id="lab_us-gaap_CashFlowHedgingMember_98123ef7-9dc7-4921-b3dd-4db9b4619361_terseLabel_en-US" xlink:label="lab_us-gaap_CashFlowHedgingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash Flow</link:label>
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    <link:label id="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue_bbc12c25-1b9e-4b3a-9391-d844c713fc5c_terseLabel_en-US" xlink:label="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Canceled (in dollars per share)</link:label>
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    <link:label id="lab_us-gaap_LineOfCreditFacilityAbstract_abc7ea0c-6c9c-4d05-a84f-15ce89a33744_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured borrowings:</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems"/>
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    <link:label id="lab_us-gaap_PreferredStockValue_c107807e-f55e-4bd8-923a-e9ef8442af98_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred stock issued</link:label>
    <link:label id="lab_us-gaap_PreferredStockValue_label_en-US" xlink:label="lab_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred Stock, Value, Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockValue" xlink:to="lab_us-gaap_PreferredStockValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RiskBasedRatiosAbstract_4317ab60-d170-487e-b60b-d098a724e34f_terseLabel_en-US" xlink:label="lab_us-gaap_RiskBasedRatiosAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actual Ratio</link:label>
    <link:label id="lab_us-gaap_RiskBasedRatiosAbstract_label_en-US" xlink:label="lab_us-gaap_RiskBasedRatiosAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Banking Regulation, Risk-Based Information [Abstract]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract" xlink:to="lab_us-gaap_RiskBasedRatiosAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9075584b-49e0-48bc-98e0-3e250f6ee143_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Class of Financing Receivable [Domain]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Class of Financing Receivable [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
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    <link:label id="lab_slm_InterestIncomeonTaxIndemnificationReceivable_eb65a231-2bb3-4cb2-b314-42fa32f10ad3_negatedTerseLabel_en-US" xlink:label="lab_slm_InterestIncomeonTaxIndemnificationReceivable" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reduction of tax indemnification receivable</link:label>
    <link:label id="lab_slm_InterestIncomeonTaxIndemnificationReceivable_0a6a931f-43b5-48f5-b6d5-c1a86f3792dd_negatedLabel_en-US" xlink:label="lab_slm_InterestIncomeonTaxIndemnificationReceivable" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reduction of tax indemnification receivable</link:label>
    <link:label id="lab_slm_InterestIncomeonTaxIndemnificationReceivable_label_en-US" xlink:label="lab_slm_InterestIncomeonTaxIndemnificationReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income on Tax Indemnification Receivable</link:label>
    <link:label id="lab_slm_InterestIncomeonTaxIndemnificationReceivable_documentation_en-US" xlink:label="lab_slm_InterestIncomeonTaxIndemnificationReceivable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income on Tax Indemnification Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestIncomeonTaxIndemnificationReceivable" xlink:href="slm-20211231.xsd#slm_InterestIncomeonTaxIndemnificationReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_InterestIncomeonTaxIndemnificationReceivable" xlink:to="lab_slm_InterestIncomeonTaxIndemnificationReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RepaymentsOfCommercialPaper_96d57e4b-50ba-4dac-baed-9d099da10e4b_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfCommercialPaper" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repayment of borrowings under Secured Borrowing Facility</link:label>
    <link:label id="lab_us-gaap_RepaymentsOfCommercialPaper_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfCommercialPaper" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repayments of Commercial Paper</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfCommercialPaper" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfCommercialPaper"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfCommercialPaper" xlink:to="lab_us-gaap_RepaymentsOfCommercialPaper" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_6fddd87f-a8d9-4a37-97e1-93a0268f09b5_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Variable Interest Entity, Not Primary Beneficiary</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Variable Interest Entity, Not Primary Beneficiary [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:to="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_74a897b3-583d-45b8-ad5f-a6a7315d1f78_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total net derivatives</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_label_en-US" xlink:label="lab_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative Assets (Liabilities), at Fair Value, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet" xlink:to="lab_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetainedEarningsMember_ddbd7514-e680-4568-a80d-ae391e0feb94_terseLabel_en-US" xlink:label="lab_us-gaap_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained Earnings</link:label>
    <link:label id="lab_us-gaap_RetainedEarningsMember_label_en-US" xlink:label="lab_us-gaap_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retained Earnings [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetainedEarningsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedEarningsMember" xlink:to="lab_us-gaap_RetainedEarningsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus_660d42d0-068c-4b91-b028-32ff78457d46_terseLabel_en-US" xlink:label="lab_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate offered to borrowers facing financial difficulty</link:label>
    <link:label id="lab_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus_label_en-US" xlink:label="lab_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans And Leases Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status</link:label>
    <link:label id="lab_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus_documentation_en-US" xlink:label="lab_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans And Leases Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" xlink:href="slm-20211231.xsd#slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" xlink:to="lab_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Deposits_63a63d53-1197-4eed-bea0-a70b571d5ffd_terseLabel_en-US" xlink:label="lab_us-gaap_Deposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_Deposits_33d4e53b-58ac-43eb-ae9b-0e06292491d7_totalLabel_en-US" xlink:label="lab_us-gaap_Deposits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total deposits</link:label>
    <link:label id="lab_us-gaap_Deposits_label_en-US" xlink:label="lab_us-gaap_Deposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Deposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Deposits" xlink:to="lab_us-gaap_Deposits" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance_c37b0b8e-4fa3-4f31-a706-0e344d8c6b5a_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of payments due before granting forbearance</link:label>
    <link:label id="lab_slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance_label_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Number Of Payments Due Before Granting Forbearance</link:label>
    <link:label id="lab_slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance_documentation_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Number Of Payments Due Before Granting Forbearance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance" xlink:href="slm-20211231.xsd#slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance" xlink:to="lab_slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseAbstract_4711601c-2d5b-4e8e-97ef-65ac9b63fdb7_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest expense:</link:label>
    <link:label id="lab_us-gaap_InterestExpenseAbstract_label_en-US" xlink:label="lab_us-gaap_InterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseAbstract" xlink:to="lab_us-gaap_InterestExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive_2e808140-98ed-4885-97b6-7ac246fe03e6_terseLabel_en-US" xlink:label="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity to Call Date, 2027 and after</link:label>
    <link:label id="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive_label_en-US" xlink:label="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-Term Debt, Maturity to Call Date, Repayments Of Principal After Year Five</link:label>
    <link:label id="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive_documentation_en-US" xlink:label="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-Term Debt, Maturity to Call Date, Repayments Of Principal After Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive" xlink:href="slm-20211231.xsd#slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive" xlink:to="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeniorUnsecuredNotesDueApril52022Member_156aec56-f7a6-45a2-82cf-3819e11ea92b_terseLabel_en-US" xlink:label="lab_slm_SeniorUnsecuredNotesDueApril52022Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior Unsecured Notes Due April 5, 2022</link:label>
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    <link:label id="lab_slm_SeniorUnsecuredNotesDueApril52022Member_documentation_en-US" xlink:label="lab_slm_SeniorUnsecuredNotesDueApril52022Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior Unsecured Notes Due April 5, 2022 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueApril52022Member" xlink:href="slm-20211231.xsd#slm_SeniorUnsecuredNotesDueApril52022Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeniorUnsecuredNotesDueApril52022Member" xlink:to="lab_slm_SeniorUnsecuredNotesDueApril52022Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock_e6de2e8c-c313-428f-a504-a568bbddca6a_terseLabel_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:to="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AociTaxAttributableToParent_bbb2a76d-9ac4-4bd0-81ec-07365fe646f6_terseLabel_en-US" xlink:label="lab_us-gaap_AociTaxAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated other comprehensive income, tax</link:label>
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    <link:label id="lab_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_efb2e859-1fad-4718-a7ce-b863b5e4a676_totalLabel_en-US" xlink:label="lab_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total interest-bearing liabilities, difference</link:label>
    <link:label id="lab_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_label_en-US" xlink:label="lab_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Liabilities Fair Value Disclosure, Difference Between Carrying Value and Fair Value</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:href="slm-20211231.xsd#slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock_4b5a98e6-73da-4d79-9c9e-4e15f33324d7_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Available-for-sale securities, continuous unrealized loss position, fair value</link:label>
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    <link:label id="lab_slm_OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit_d14cf5f5-ab7f-4b3c-8383-b25565806814_terseLabel_en-US" xlink:label="lab_slm_OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other provision items</link:label>
    <link:label id="lab_slm_OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit_label_en-US" xlink:label="lab_slm_OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Off-Balance Sheet, Credit Loss, Liability, Other Provision (Benefit)</link:label>
    <link:label id="lab_slm_OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit_documentation_en-US" xlink:label="lab_slm_OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Off-Balance Sheet, Credit Loss, Liability, Other Provision (Benefit)</link:label>
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    <link:label id="lab_us-gaap_IncreaseDecreaseInAccountsReceivable_4e5984ef-9126-4f2e-bf57-1d93ce673de7_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease in Upromise member accounts due to sale</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInAccountsReceivable_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (Decrease) in Accounts Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
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    <link:label id="lab_slm_InterestBearingDepositsTableTextBlock_dd166a6f-de26-4c9d-9d75-a61db70e0e16_terseLabel_en-US" xlink:label="lab_slm_InterestBearingDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest bearing deposits</link:label>
    <link:label id="lab_slm_InterestBearingDepositsTableTextBlock_label_en-US" xlink:label="lab_slm_InterestBearingDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Bearing Deposits [Table Text Block]</link:label>
    <link:label id="lab_slm_InterestBearingDepositsTableTextBlock_documentation_en-US" xlink:label="lab_slm_InterestBearingDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">[Table Text Block] for Interest Bearing Deposits [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestBearingDepositsTableTextBlock" xlink:href="slm-20211231.xsd#slm_InterestBearingDepositsTableTextBlock"/>
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    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_f02dab1d-48c6-4e92-af2c-3c5fb9dd2cb3_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosure [Abstract]</link:label>
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    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentLineItems_a042a4f4-5b02-4b6e-8b85-f3d22b110a70_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property, Plant and Equipment [Line Items]</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentLineItems_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property, Plant and Equipment [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityWellKnownSeasonedIssuer_649c9aac-64ce-42ea-9a32-a416cbb043a5_terseLabel_en-US" xlink:label="lab_dei_EntityWellKnownSeasonedIssuer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
    <link:label id="lab_dei_EntityWellKnownSeasonedIssuer_label_en-US" xlink:label="lab_dei_EntityWellKnownSeasonedIssuer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityWellKnownSeasonedIssuer" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityWellKnownSeasonedIssuer"/>
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    <link:label id="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_fd73317c-6178-4441-b3dc-0f043966b775_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares repurchased related to employee stock-based compensation plans (in shares)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:to="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_OwnershipInterestPercentage_0e9386bb-f8a6-442f-8fe3-a0357c8be720_terseLabel_en-US" xlink:label="lab_slm_OwnershipInterestPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ownership interest percentage</link:label>
    <link:label id="lab_slm_OwnershipInterestPercentage_label_en-US" xlink:label="lab_slm_OwnershipInterestPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ownership Interest Percentage</link:label>
    <link:label id="lab_slm_OwnershipInterestPercentage_documentation_en-US" xlink:label="lab_slm_OwnershipInterestPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ownership Interest Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OwnershipInterestPercentage" xlink:href="slm-20211231.xsd#slm_OwnershipInterestPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_OwnershipInterestPercentage" xlink:to="lab_slm_OwnershipInterestPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_4339b03a-42d5-4f96-a1a3-ba8a027ad27b_totalLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total comprehensive income</link:label>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_label_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:to="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FixedRateBorrowingsMember_e674d711-c833-413a-8592-5db72b47f3cb_terseLabel_en-US" xlink:label="lab_slm_FixedRateBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fixed-rate borrowings</link:label>
    <link:label id="lab_slm_FixedRateBorrowingsMember_label_en-US" xlink:label="lab_slm_FixedRateBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fixed Rate Borrowings [Member]</link:label>
    <link:label id="lab_slm_FixedRateBorrowingsMember_documentation_en-US" xlink:label="lab_slm_FixedRateBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fixed Rate Borrowings [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FixedRateBorrowingsMember" xlink:href="slm-20211231.xsd#slm_FixedRateBorrowingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FixedRateBorrowingsMember" xlink:to="lab_slm_FixedRateBorrowingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear_cefb075d-1473-4cc0-8490-1fbd9be3f353_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total accrued interest by origination vintage, Year 1</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Accrued Interest, Origination Vintage, Originated in Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Accrued Interest, Origination Vintage, Originated in Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CompensationRelatedCostsPolicyTextBlock_0eb814d8-6e22-4edc-9916-0a0608755227_terseLabel_en-US" xlink:label="lab_us-gaap_CompensationRelatedCostsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stock-Based Compensation</link:label>
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    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent_b97f9e2d-9ce1-4aad-9eec-baad2a60085a_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning based on monthly scheduled payments due from 37 - 48 payments, in percent</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent_label_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From Thirty Seven To Forty Eight Payments In Percent</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent_documentation_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning based on monthly scheduled payments due from thirty seven to forty eight payments in percent.</link:label>
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    <link:label id="lab_us-gaap_EarningsPerShareBasic_6af6d702-2005-4881-81c0-3ac643dc1dee_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basic earnings per common share (in usd per share)</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember_8bd28b47-ddb1-4d1e-83f3-8e89ea950223_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loan delinquent 30-59 days</link:label>
    <link:label id="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Asset, 30 to 59 Days Past Due [Member]</link:label>
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    <link:label id="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock_2e98cbd0-01e1-4ecd-8d7a-36a3d1aa7105_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Parent only Condensed Balance Sheets</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ScheduleOfCondensedBalanceSheetTableTextBlock"/>
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    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_fae0e58d-eab1-4df2-a8ee-a6bfb23e9884_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans held for investment (net of allowance for losses of $1,165,335 and $1,361,723, respectively)</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_a0ecf3e8-c60e-49a0-839e-781970b9c550_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans held for investment, net</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
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    <link:label id="lab_dei_DocumentInformationLineItems_598e5ec6-4412-474f-875b-f67a8c4cca39_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:label id="lab_dei_DocumentInformationLineItems_label_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentInformationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="lab_dei_DocumentInformationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_c651d871-4db6-468d-a23f-bcad3ef168e4_terseLabel_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans in forbearance, Year 4</link:label>
    <link:label id="lab_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans In Repayment, Originated Three Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans In Repayment, Originated Three Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear"/>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_06494f88-2a36-4afe-a2c3-266707c915bb_periodStartLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Beginning balance (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_11af3528-16a7-44a6-b37d-647112c845fd_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ending balance (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
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    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_30798ba9-10f7-4988-a2b8-4f31039d0969_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stated maturity, 2022</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-Term Debt, Maturity, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
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    <link:label id="lab_us-gaap_OtherNoninterestExpense_7d8181fb-ecba-4ece-9819-1471bb3c7735_terseLabel_en-US" xlink:label="lab_us-gaap_OtherNoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other operating expenses</link:label>
    <link:label id="lab_us-gaap_OtherNoninterestExpense_label_en-US" xlink:label="lab_us-gaap_OtherNoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Noninterest Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoninterestExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherNoninterestExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherNoninterestExpense" xlink:to="lab_us-gaap_OtherNoninterestExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_1b58db8a-6655-4959-ac1a-230be653a9d8_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortization of deferred loan origination costs and loan premium/(discounts), net</link:label>
    <link:label id="lab_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_label_en-US" xlink:label="lab_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortization of Deferred Loan Origination Fees, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AmortizationOfDeferredLoanOriginationFeesNet"/>
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    <link:label id="lab_us-gaap_IncreaseDecreaseInDueToRelatedParties_dfb9aa89-0747-4600-aa84-8cad0ad92f36_verboseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInDueToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease in payable due to entity that is a subsidiary of Navient</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInDueToRelatedParties_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInDueToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (Decrease) in Due to Related Parties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDueToRelatedParties" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInDueToRelatedParties"/>
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    <link:label id="lab_us-gaap_FairValueDisclosureItemAmountsDomain_c36c3bf7-5b95-4458-9e39-71d3a70a56a8_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair Value Measurement [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosureItemAmountsDomain_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair Value Measurement [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
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    <link:label id="lab_slm_FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted_d494bc0a-6982-433f-adb3-67fa8487a35f_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increment in which disaster forbearance is granted</link:label>
    <link:label id="lab_slm_FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted_label_en-US" xlink:label="lab_slm_FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Increment In Which Disaster Forbearance Is Granted</link:label>
    <link:label id="lab_slm_FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted_documentation_en-US" xlink:label="lab_slm_FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Increment In Which Disaster Forbearance Is Granted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted" xlink:href="slm-20211231.xsd#slm_FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted"/>
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    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_24e2d0c3-cd4b-441c-a5ce-15eab2fe1153_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Capital (to Risk-Weighted Assets)</link:label>
    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_label_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Banking Regulation, Total Risk-Based Capital Ratio, Well Capitalized, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
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    <link:label id="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_aee1080f-3b8f-43de-9f85-460132d0824e_terseLabel_en-US" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cumulative Effect, Period of Adoption, Adjustment</link:label>
    <link:label id="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_label_en-US" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cumulative Effect, Period of Adoption, Adjustment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:to="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CriteriaForLoansToBeConsideredAsNonperforming_f6a359b9-7634-442a-ad64-cafd583bebc5_terseLabel_en-US" xlink:label="lab_slm_CriteriaForLoansToBeConsideredAsNonperforming" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Criteria for loans to be considered as nonperforming</link:label>
    <link:label id="lab_slm_CriteriaForLoansToBeConsideredAsNonperforming_label_en-US" xlink:label="lab_slm_CriteriaForLoansToBeConsideredAsNonperforming" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Criteria For Loans To Be Considered As Nonperforming</link:label>
    <link:label id="lab_slm_CriteriaForLoansToBeConsideredAsNonperforming_documentation_en-US" xlink:label="lab_slm_CriteriaForLoansToBeConsideredAsNonperforming" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Criteria for loans to be considered as nonperforming.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CriteriaForLoansToBeConsideredAsNonperforming" xlink:href="slm-20211231.xsd#slm_CriteriaForLoansToBeConsideredAsNonperforming"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CriteriaForLoansToBeConsideredAsNonperforming" xlink:to="lab_slm_CriteriaForLoansToBeConsideredAsNonperforming" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommercialPaperMember_6f622d35-17d5-4b6d-8c94-7a4b114e25ce_terseLabel_en-US" xlink:label="lab_us-gaap_CommercialPaperMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commercial Paper</link:label>
    <link:label id="lab_us-gaap_CommercialPaperMember_label_en-US" xlink:label="lab_us-gaap_CommercialPaperMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commercial Paper [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPaperMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommercialPaperMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommercialPaperMember" xlink:to="lab_us-gaap_CommercialPaperMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract_b4a863e6-2bbf-4aa3-9187-694cae99f9d4_verboseLabel_en-US" xlink:label="lab_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">TDR loans in repayment and percentage of each status:</link:label>
    <link:label id="lab_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract_label_en-US" xlink:label="lab_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans In Repayment And Percentage Of Each Status [Abstract]</link:label>
    <link:label id="lab_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract_documentation_en-US" xlink:label="lab_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans in repayment and percentage of each status.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract" xlink:href="slm-20211231.xsd#slm_LoansInRepaymentAndPercentageOfEachStatusAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract" xlink:to="lab_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherNoncashIncomeExpense_d26fb048-6e94-4861-9ca7-7eb4ebcc9964_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_OtherNoncashIncomeExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other adjustments to net income, net</link:label>
    <link:label id="lab_us-gaap_OtherNoncashIncomeExpense_label_en-US" xlink:label="lab_us-gaap_OtherNoncashIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Noncash Income (Expense)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherNoncashIncomeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherNoncashIncomeExpense" xlink:to="lab_us-gaap_OtherNoncashIncomeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeAsset_f369273d-fcd8-4906-b58c-3571f9338f5e_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross position</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeAsset_label_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative Asset, Fair Value, Gross Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:to="lab_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_66bc0ef9-0d63-493d-94c1-06d93b1f136b_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of gain (loss) recognized in other comprehensive income (loss)</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_OtherIndustriesExcludingPrivateEducationLoansMember_6212ee3c-8694-4c9f-a580-c7db5e0262db_terseLabel_en-US" xlink:label="lab_slm_OtherIndustriesExcludingPrivateEducationLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Industries, Excluding Private Education Loans</link:label>
    <link:label id="lab_slm_OtherIndustriesExcludingPrivateEducationLoansMember_label_en-US" xlink:label="lab_slm_OtherIndustriesExcludingPrivateEducationLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Industries, Excluding Private Education Loans [Member]</link:label>
    <link:label id="lab_slm_OtherIndustriesExcludingPrivateEducationLoansMember_documentation_en-US" xlink:label="lab_slm_OtherIndustriesExcludingPrivateEducationLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Industries, Excluding Private Education Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OtherIndustriesExcludingPrivateEducationLoansMember" xlink:href="slm-20211231.xsd#slm_OtherIndustriesExcludingPrivateEducationLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_OtherIndustriesExcludingPrivateEducationLoansMember" xlink:to="lab_slm_OtherIndustriesExcludingPrivateEducationLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2046Member_f2b8e78b-5abd-46f3-8e55-d88b10f93a7c_terseLabel_en-US" xlink:label="lab_slm_Maturity2046Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2046</link:label>
    <link:label id="lab_slm_Maturity2046Member_label_en-US" xlink:label="lab_slm_Maturity2046Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2046 [Member]</link:label>
    <link:label id="lab_slm_Maturity2046Member_documentation_en-US" xlink:label="lab_slm_Maturity2046Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2046 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2046Member" xlink:href="slm-20211231.xsd#slm_Maturity2046Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2046Member" xlink:to="lab_slm_Maturity2046Member" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AverageRecordedInvestmentAndInterestIncomeRecognizedForTroubledDebtRestructuringLoansTableTextBlock_4fcf6174-1961-4264-bdd8-e70183e5b450_terseLabel_en-US" xlink:label="lab_slm_AverageRecordedInvestmentAndInterestIncomeRecognizedForTroubledDebtRestructuringLoansTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average recorded investment and interest income recognized</link:label>
    <link:label id="lab_slm_AverageRecordedInvestmentAndInterestIncomeRecognizedForTroubledDebtRestructuringLoansTableTextBlock_label_en-US" xlink:label="lab_slm_AverageRecordedInvestmentAndInterestIncomeRecognizedForTroubledDebtRestructuringLoansTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average Recorded Investment And Interest Income Recognized For Troubled Debt Restructuring Loans [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_slm_AverageRecordedInvestmentAndInterestIncomeRecognizedForTroubledDebtRestructuringLoansTableTextBlock" xlink:href="slm-20211231.xsd#slm_AverageRecordedInvestmentAndInterestIncomeRecognizedForTroubledDebtRestructuringLoansTableTextBlock"/>
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    <link:label id="lab_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_dada3893-0da6-4135-a9f9-64dc918755f8_terseLabel_en-US" xlink:label="lab_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Industry of Counterparty, Type [Axis]</link:label>
    <link:label id="lab_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_label_en-US" xlink:label="lab_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Industry of Counterparty, Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis" xlink:to="lab_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearThree_5fd5ab3e-1bef-450c-953e-1523e35cb043_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">After two years to three years</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearThree_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Time Deposit Maturities, Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesYearThree" xlink:to="lab_us-gaap_TimeDepositMaturitiesYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent_96b1a6bd-77bc-4732-94e5-ed6ece030d73_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning - based on monthly scheduled payments due from not yet in repayment, in percent</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent_label_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From Not Yet In Repayment In Percent</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent_documentation_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning based on monthly scheduled payments due from not yet in repayment in percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" xlink:href="slm-20211231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" xlink:to="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions_d8878cd1-deef-4ef3-a88f-2000a8b1c4dc_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease to provisions</link:label>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions_label_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal), Decrease To Provisions</link:label>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions_documentation_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal), Decrease To Provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions" xlink:href="slm-20211231.xsd#slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions" xlink:to="lab_slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableRelatedAllowance_647b74db-8f2b-46a7-98f0-aff38d0f6852_terseLabel_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance</link:label>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableRelatedAllowance_label_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired Financing Receivable, Related Allowance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:to="lab_us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConsumerPortfolioSegmentMember_79ed079b-0791-4746-ac70-705bef016303_terseLabel_en-US" xlink:label="lab_us-gaap_ConsumerPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consumer Portfolio Segment</link:label>
    <link:label id="lab_us-gaap_ConsumerPortfolioSegmentMember_label_en-US" xlink:label="lab_us-gaap_ConsumerPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Consumer Portfolio Segment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConsumerPortfolioSegmentMember" xlink:to="lab_us-gaap_ConsumerPortfolioSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DerivativeNotionalAmountPercent_66dc3529-350f-421c-9888-662a91e8ee18_terseLabel_en-US" xlink:label="lab_slm_DerivativeNotionalAmountPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Notional derivative contracts, percent</link:label>
    <link:label id="lab_slm_DerivativeNotionalAmountPercent_label_en-US" xlink:label="lab_slm_DerivativeNotionalAmountPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative, Notional Amount, Percent</link:label>
    <link:label id="lab_slm_DerivativeNotionalAmountPercent_documentation_en-US" xlink:label="lab_slm_DerivativeNotionalAmountPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative, Notional Amount, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeNotionalAmountPercent" xlink:href="slm-20211231.xsd#slm_DerivativeNotionalAmountPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DerivativeNotionalAmountPercent" xlink:to="lab_slm_DerivativeNotionalAmountPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityVoluntaryFilers_e4ceb5fa-df3a-4912-94db-c0d970fe1430_terseLabel_en-US" xlink:label="lab_dei_EntityVoluntaryFilers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Voluntary Filers</link:label>
    <link:label id="lab_dei_EntityVoluntaryFilers_label_en-US" xlink:label="lab_dei_EntityVoluntaryFilers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Voluntary Filers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityVoluntaryFilers" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityVoluntaryFilers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityVoluntaryFilers" xlink:to="lab_dei_EntityVoluntaryFilers" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosureAbstract_1e80df3a-6e2c-46ae-b77a-d2b2c84ecc63_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets:</link:label>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets, Fair Value Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract" xlink:to="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PlanNameAxis_0c0a0c0b-6a9d-4517-99e6-786f1fab39c5_terseLabel_en-US" xlink:label="lab_us-gaap_PlanNameAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan Name [Axis]</link:label>
    <link:label id="lab_us-gaap_PlanNameAxis_label_en-US" xlink:label="lab_us-gaap_PlanNameAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan Name [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PlanNameAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PlanNameAxis" xlink:to="lab_us-gaap_PlanNameAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebt_d2d62642-d082-421a-801b-4358775b5ecd_verboseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebt" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-term borrowings</link:label>
    <link:label id="lab_us-gaap_LongTermDebt_b7601c87-beed-4778-800f-d0d7b7f967a7_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-Term</link:label>
    <link:label id="lab_us-gaap_LongTermDebt_label_en-US" xlink:label="lab_us-gaap_LongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebt" xlink:to="lab_us-gaap_LongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel1Member_bcaf51e5-cc3f-477c-a586-e54ff489c076_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level&#160;1&#160;</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel1Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair Value, Inputs, Level 1 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel1Member" xlink:to="lab_us-gaap_FairValueInputsLevel1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_0a4369f4-2a20-4b5c-aa65-634ebbe0de5e_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investing activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_25183b3a-4569-4c1b-8ecb-beef440ea6be_verboseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from investing activities:</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherLiabilities_839870de-e242-49d4-bc5a-f3142fd9bf40_terseLabel_en-US" xlink:label="lab_us-gaap_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other liabilities</link:label>
    <link:label id="lab_us-gaap_OtherLiabilities_label_en-US" xlink:label="lab_us-gaap_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherLiabilities" xlink:to="lab_us-gaap_OtherLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock_e1feb734-562f-4da7-8830-c0a6574ee859_terseLabel_en-US" xlink:label="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Age analysis of past due loans delinquencies</link:label>
    <link:label id="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Past Due [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:to="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxDisclosureAbstract_6b56e51c-deaa-40f1-9c40-ad4137e5f5fe_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income Tax Disclosure [Abstract]</link:label>
    <link:label id="lab_us-gaap_IncomeTaxDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income Tax Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract" xlink:to="lab_us-gaap_IncomeTaxDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntitySmallBusiness_06cf75bd-e710-4028-b22e-fbbd3c93a09e_terseLabel_en-US" xlink:label="lab_dei_EntitySmallBusiness" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Small Business</link:label>
    <link:label id="lab_dei_EntitySmallBusiness_label_en-US" xlink:label="lab_dei_EntitySmallBusiness" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Small Business</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntitySmallBusiness"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntitySmallBusiness" xlink:to="lab_dei_EntitySmallBusiness" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_d263c2fe-be3e-43d7-b068-5cc3a5cee839_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Year-End Weighted Average Stated Rate</link:label>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Weighted Average Rate Domestic Deposit Liabilities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract" xlink:to="lab_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_RepaymentsMember_274049d1-1339-4d40-91f6-e894c0dc050a_terseLabel_en-US" xlink:label="lab_slm_RepaymentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning</link:label>
    <link:label id="lab_slm_RepaymentsMember_label_en-US" xlink:label="lab_slm_RepaymentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repayments [Member]</link:label>
    <link:label id="lab_slm_RepaymentsMember_documentation_en-US" xlink:label="lab_slm_RepaymentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repayments credit quality indicators that are developed and used internally by the company.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_RepaymentsMember" xlink:href="slm-20211231.xsd#slm_RepaymentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_RepaymentsMember" xlink:to="lab_slm_RepaymentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_14dd5b85-28cc-4920-8fbd-d7625aa4c0a1_terseLabel_en-US" xlink:label="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance for credit losses and recorded investments in loans</link:label>
    <link:label id="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:to="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions_af412a47-abd5-40a8-bea3-b7614bb72fe0_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increases resulting from tax positions taken during the current period</link:label>
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    <link:label id="lab_slm_TierOneofGovernmentGuarantee_ec928a57-b416-4221-ae98-991021226cec_terseLabel_en-US" xlink:label="lab_slm_TierOneofGovernmentGuarantee" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1 of government guarantee</link:label>
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    <link:label id="lab_slm_TierOneofGovernmentGuarantee_documentation_en-US" xlink:label="lab_slm_TierOneofGovernmentGuarantee" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier One of Government Guarantee</link:label>
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    <link:label id="lab_slm_ScheduleofDepositsTableTextBlock_6e35eb60-5136-44b2-b3ec-5181e9412cba_terseLabel_en-US" xlink:label="lab_slm_ScheduleofDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Schedule of deposits</link:label>
    <link:label id="lab_slm_ScheduleofDepositsTableTextBlock_label_en-US" xlink:label="lab_slm_ScheduleofDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Schedule of Deposits [Table Text Block]</link:label>
    <link:label id="lab_slm_ScheduleofDepositsTableTextBlock_documentation_en-US" xlink:label="lab_slm_ScheduleofDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Schedule of Deposits [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ScheduleofDepositsTableTextBlock" xlink:href="slm-20211231.xsd#slm_ScheduleofDepositsTableTextBlock"/>
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    <link:label id="lab_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear_b1c94d77-ac68-41f7-b3d0-210cac5e60f4_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Year 3</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpensePolicyTextBlock_0efbc8a2-e2ed-4219-8a6d-1067ef4be92c_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpensePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense</link:label>
    <link:label id="lab_us-gaap_InterestExpensePolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_InterestExpensePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpensePolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpensePolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpensePolicyTextBlock" xlink:to="lab_us-gaap_InterestExpensePolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities_6cb5e2b5-b26f-4791-92a4-91c7c3e7a58a_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decreases related to settlements with taxing authorities</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unrecognized Tax Benefits, Decrease Resulting from Settlements with Taxing Authorities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities"/>
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    <link:label id="lab_slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock_1b612650-fd26-4f92-9aca-e98a12c60903_terseLabel_en-US" xlink:label="lab_slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Troubled Debt Restructurings ("TDRs")</link:label>
    <link:label id="lab_slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock_label_en-US" xlink:label="lab_slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and Leases Receivable, Allowance for Personal Loans [Policy Text Block]</link:label>
    <link:label id="lab_slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock_documentation_en-US" xlink:label="lab_slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and Leases Receivable, Allowance for Personal Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock" xlink:href="slm-20211231.xsd#slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock" xlink:to="lab_slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear_cca99e95-a590-4f28-9769-9af5b81adf0e_terseLabel_en-US" xlink:label="lab_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans, Year 5</link:label>
    <link:label id="lab_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans, Originated Four Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans, Originated Four Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear" xlink:href="slm-20211231.xsd#slm_LoansOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear" xlink:to="lab_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_eeacce54-d9d1-4eb8-b22e-2c6b353a8449_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gain on sale</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Securities, Available-for-sale, Realized Gain</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_f63448da-3955-4bbf-8924-67e0f9777369_terseLabel_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Organization and Business</link:label>
    <link:label id="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock"/>
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    <link:label id="lab_us-gaap_RetirementPlanNameAxis_668c9d49-e33f-4304-af82-389460b63ff9_terseLabel_en-US" xlink:label="lab_us-gaap_RetirementPlanNameAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retirement Plan Name [Axis]</link:label>
    <link:label id="lab_us-gaap_RetirementPlanNameAxis_label_en-US" xlink:label="lab_us-gaap_RetirementPlanNameAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retirement Plan Name [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanNameAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetirementPlanNameAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetirementPlanNameAxis" xlink:to="lab_us-gaap_RetirementPlanNameAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Rule10b51TradingPlanMember_fc18b133-0893-4def-89e8-605e9d158f97_terseLabel_en-US" xlink:label="lab_slm_Rule10b51TradingPlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rule 10b5-1 Trading Plan</link:label>
    <link:label id="lab_slm_Rule10b51TradingPlanMember_label_en-US" xlink:label="lab_slm_Rule10b51TradingPlanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rule 10b5-1 Trading Plan [Member]</link:label>
    <link:label id="lab_slm_Rule10b51TradingPlanMember_documentation_en-US" xlink:label="lab_slm_Rule10b51TradingPlanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Rule 10b5-1 Trading Plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Rule10b51TradingPlanMember" xlink:href="slm-20211231.xsd#slm_Rule10b51TradingPlanMember"/>
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    <link:label id="lab_srt_AffiliatedEntityMember_5121119d-7a65-46a4-adf0-6ab0101cd6c8_terseLabel_en-US" xlink:label="lab_srt_AffiliatedEntityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Navient</link:label>
    <link:label id="lab_srt_AffiliatedEntityMember_label_en-US" xlink:label="lab_srt_AffiliatedEntityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Affiliated Entity [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_AffiliatedEntityMember" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_AffiliatedEntityMember"/>
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    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy_0013f17a-ace7-4e30-8187-edc610f9e5c5_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains on Sale of Loans, Net</link:label>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy_label_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfers and Servicing of Financial Assets, Transfers of Financial Assets, Sales, Policy [Policy Text Block]</link:label>
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    <link:label id="lab_us-gaap_BalanceSheetLocationDomain_5ed34bb6-1ec0-4ae7-baf5-72a313641429_terseLabel_en-US" xlink:label="lab_us-gaap_BalanceSheetLocationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Balance Sheet Location [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BalanceSheetLocationDomain" xlink:to="lab_us-gaap_BalanceSheetLocationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_63076761-8f4b-4edf-94b8-629c5c7beeed_verboseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current period recoveries, Year 2</link:label>
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    <link:label id="lab_slm_PercentageofAggregateOutstandingLoansHeldForInvestment_5afb2671-0fd5-4727-9463-e53dbab7c135_terseLabel_en-US" xlink:label="lab_slm_PercentageofAggregateOutstandingLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of aggregate outstanding loans held for investment</link:label>
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    <link:label id="lab_us-gaap_UnrecognizedTaxBenefits_e73082b7-c37b-429d-b4fd-1f6b71a5f3ff_verboseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unrecognized tax benefits</link:label>
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    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_bd39ab91-75b5-4f5b-a2c2-c4661ba4ee0b_terseLabel_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Common Stock, Shares Outstanding (in shares)</link:label>
    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_label_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
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    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_107f8232-975a-41ec-a000-eb22b4e4789f_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross Unrealized Gains</link:label>
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    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2021EMember_3cd83fe2-9ca5-4065-80f9-e3cbd3056dd3_terseLabel_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2021EMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2021-E</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2021EMember_label_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2021EMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">SMB Private Education Loan Trust 2021-E [Member]</link:label>
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    <link:label id="lab_dei_EntityAddressStateOrProvince_ffe86e5f-d723-47e2-80f7-c5e6a22cc6ed_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, State or Province</link:label>
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    <link:label id="lab_slm_ThreeMonthLIBORMember_51ada4ec-f71e-4169-98e0-8eeb32e60c65_terseLabel_en-US" xlink:label="lab_slm_ThreeMonthLIBORMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Three Month LIBOR</link:label>
    <link:label id="lab_slm_ThreeMonthLIBORMember_label_en-US" xlink:label="lab_slm_ThreeMonthLIBORMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Three Month LIBOR [Member]</link:label>
    <link:label id="lab_slm_ThreeMonthLIBORMember_documentation_en-US" xlink:label="lab_slm_ThreeMonthLIBORMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Three Month LIBOR [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ThreeMonthLIBORMember" xlink:href="slm-20211231.xsd#slm_ThreeMonthLIBORMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ThreeMonthLIBORMember" xlink:to="lab_slm_ThreeMonthLIBORMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_A2021CMember_9346b394-5dd7-4580-bfd8-f4c45ac49ac5_terseLabel_en-US" xlink:label="lab_slm_A2021CMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2021-C</link:label>
    <link:label id="lab_slm_A2021CMember_label_en-US" xlink:label="lab_slm_A2021CMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2021-C [Member]</link:label>
    <link:label id="lab_slm_A2021CMember_documentation_en-US" xlink:label="lab_slm_A2021CMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2021-C</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2021CMember" xlink:href="slm-20211231.xsd#slm_A2021CMember"/>
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    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery_c344eee9-f0c2-49c2-ad58-4f56f9b71cfc_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net charge-offs</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery_df066ff8-0f34-42fc-9ea0-ab2f1f42bf85_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net charge-offs</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery"/>
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    <link:label id="lab_us-gaap_DeferredIncomeTaxAssetsNet_b4140bfb-7c81-4ced-84ce-2619fb895c90_verboseLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxAssetsNet" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax asset</link:label>
    <link:label id="lab_us-gaap_DeferredIncomeTaxAssetsNet_171199af-ed55-40fc-bef1-f7c78821c72a_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxAssetsNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax asset</link:label>
    <link:label id="lab_us-gaap_DeferredIncomeTaxAssetsNet_label_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxAssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred Income Tax Assets, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
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    <link:label id="lab_us-gaap_ReceivableTypeDomain_12fdadb8-2121-4f3c-860b-6e50ec7840b8_terseLabel_en-US" xlink:label="lab_us-gaap_ReceivableTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Receivable Type [Domain]</link:label>
    <link:label id="lab_us-gaap_ReceivableTypeDomain_label_en-US" xlink:label="lab_us-gaap_ReceivableTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Receivable [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ReceivableTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReceivableTypeDomain" xlink:to="lab_us-gaap_ReceivableTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingLossCarryforwardsValuationAllowance_412f4a7a-2c29-4a60-ae59-b60bee893d8f_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLossCarryforwardsValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Operating loss carryforwards, valuation allowance</link:label>
    <link:label id="lab_us-gaap_OperatingLossCarryforwardsValuationAllowance_label_en-US" xlink:label="lab_us-gaap_OperatingLossCarryforwardsValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Operating Loss Carryforwards, Valuation Allowance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLossCarryforwardsValuationAllowance" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLossCarryforwardsValuationAllowance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLossCarryforwardsValuationAllowance" xlink:to="lab_us-gaap_OperatingLossCarryforwardsValuationAllowance" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear_e4959e2d-0af8-45a2-8781-84cc9a25a5dc_negatedLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans allowance for losses, Year 1</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated In Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated In Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear"/>
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    <link:label id="lab_slm_AllowanceAsPercentageOfEndingLoanBalance_10c34ab8-767c-411e-bb5e-1abbf52b8334_terseLabel_en-US" xlink:label="lab_slm_AllowanceAsPercentageOfEndingLoanBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance as a percentage of the ending total loan balance</link:label>
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    <link:label id="lab_slm_AllowanceAsPercentageOfEndingLoanBalance_documentation_en-US" xlink:label="lab_slm_AllowanceAsPercentageOfEndingLoanBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance as a percentage of the ending total loan balance.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceAsPercentageOfEndingLoanBalance" xlink:href="slm-20211231.xsd#slm_AllowanceAsPercentageOfEndingLoanBalance"/>
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    <link:label id="lab_slm_FinancingReceivableAvailableRateReductionsFinancialDifficultyStatus_c1b28f67-9039-4d83-a677-5ec3709b60e1_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAvailableRateReductionsFinancialDifficultyStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of rate reductions available under loan modification program, borrowers facing financial difficulty</link:label>
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    <link:label id="lab_us-gaap_StatementClassOfStockAxis_5b0a87d3-7f64-4a40-bb58-f8359374bd9f_terseLabel_en-US" xlink:label="lab_us-gaap_StatementClassOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Class of Stock [Axis]</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_a5f59ef0-0538-469b-9b0b-9a94eb52d9ab_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Roll Forward]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward"/>
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    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_7d599844-ce9a-4b20-9992-6fe5d8a3f4ba_totalLabel_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total accrued interest by origination vintage</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_941805d5-86ae-4c3d-88c9-b845d78c3c5f_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Modified Loans</link:label>
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    <link:label id="lab_dei_EntityDomain_05e06997-2d54-4ad4-a1c2-ac9ee442f954_terseLabel_en-US" xlink:label="lab_dei_EntityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity [Domain]</link:label>
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    <link:label id="lab_us-gaap_CommonStockDividendsPerShareDeclared_61c8468e-e17f-4383-a65b-09f3021cfc7f_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareDeclared" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Declared dividends per common share (in usd per share)</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtFairValue_76fc68e8-29a0-4273-95f1-515a6cff1055_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-term borrowings</link:label>
    <link:label id="lab_us-gaap_LongTermDebtFairValue_label_en-US" xlink:label="lab_us-gaap_LongTermDebtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-term Debt, Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtFairValue" xlink:to="lab_us-gaap_LongTermDebtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear_9a111031-0058-4891-9a23-8e8d44df034e_terseLabel_en-US" xlink:label="lab_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans, gross, Year 2</link:label>
    <link:label id="lab_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Gross, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Gross, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="slm-20211231.xsd#slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear"/>
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    <link:label id="lab_slm_DepositsPolicyTextBlock_c424f4bc-8395-4031-8de2-071550baee25_terseLabel_en-US" xlink:label="lab_slm_DepositsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_slm_DepositsPolicyTextBlock_label_en-US" xlink:label="lab_slm_DepositsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits [Policy Text Block]</link:label>
    <link:label id="lab_slm_DepositsPolicyTextBlock_documentation_en-US" xlink:label="lab_slm_DepositsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DepositsPolicyTextBlock" xlink:href="slm-20211231.xsd#slm_DepositsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DepositsPolicyTextBlock" xlink:to="lab_slm_DepositsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_6a31e96c-f2dd-4b9b-8724-f792eaa7216d_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase in other liabilities</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_9d899b0c-8348-4798-a31e-8c5dbbca259c_verboseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in other liabilities</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (Decrease) in Other Operating Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
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    <link:label id="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_a29e39ea-57e3-422c-a2f7-247c2d98ee34_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common stock repurchased and cancelled (in shares)</link:label>
    <link:label id="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_label_en-US" xlink:label="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stock Repurchased and Retired During Period, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodShares"/>
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    <link:label id="lab_us-gaap_DeferredTaxAssetsDeferredIncome_64f2d8a6-d11e-4ef8-bba8-a701d9a08c1f_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsDeferredIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred revenue</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsDeferredIncome_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsDeferredIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred Tax Assets, Deferred Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsDeferredIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsDeferredIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsDeferredIncome" xlink:to="lab_us-gaap_DeferredTaxAssetsDeferredIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MaximumMember_0b49fc7b-92ed-499a-ae5e-8b27eb016e15_terseLabel_en-US" xlink:label="lab_srt_MaximumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum</link:label>
    <link:label id="lab_srt_MaximumMember_label_en-US" xlink:label="lab_srt_MaximumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MaximumMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MaximumMember" xlink:to="lab_srt_MaximumMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo_2365150a-4c6c-4dfe-8d54-2e0122c0b56d_terseLabel_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage reimbursement on all qualifying default claims period two (as a percentage)</link:label>
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    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo_documentation_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage Reimbursement On All Qualifying FFELP Default Claims Period Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" xlink:href="slm-20211231.xsd#slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo"/>
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    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_4a40a1c2-5238-4b34-beb0-3b4a2733699d_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Percent [Abstract]</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Percent [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_7c499202-a05b-41a4-8050-2f4b1e7a645f_terseLabel_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share-based Payment Arrangement [Abstract]</link:label>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_label_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share-based Payment Arrangement [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:to="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_50223855-79de-485a-89ac-cd100d37da53_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current period net charge-offs, Year 4</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Three Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Three Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AwardTypeAxis_82c08e6c-b688-4825-8d1d-439a1ba7c02e_terseLabel_en-US" xlink:label="lab_us-gaap_AwardTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Award Type [Axis]</link:label>
    <link:label id="lab_us-gaap_AwardTypeAxis_label_en-US" xlink:label="lab_us-gaap_AwardTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Award Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AwardTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="lab_us-gaap_AwardTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8de7d738-b134-46ce-aa9a-30755c587040_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_0846c61e-7eed-4cd2-93bd-97d38e7c5c46_verboseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash flows from financing activities:</link:label>
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    <link:label id="lab_slm_EmployeeStockPurchasePlanMember_6ad9f821-cd89-41e4-9042-0ef9de0216d7_terseLabel_en-US" xlink:label="lab_slm_EmployeeStockPurchasePlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Employee Stock Purchase Plan</link:label>
    <link:label id="lab_slm_EmployeeStockPurchasePlanMember_label_en-US" xlink:label="lab_slm_EmployeeStockPurchasePlanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Employee Stock Purchase Plan [Member]</link:label>
    <link:label id="lab_slm_EmployeeStockPurchasePlanMember_documentation_en-US" xlink:label="lab_slm_EmployeeStockPurchasePlanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Employee Stock Purchase Plan [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_EmployeeStockPurchasePlanMember" xlink:href="slm-20211231.xsd#slm_EmployeeStockPurchasePlanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_EmployeeStockPurchasePlanMember" xlink:to="lab_slm_EmployeeStockPurchasePlanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear_bd98d0fa-580b-4c1d-9927-1731b91f19d6_verboseLabel_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">TDR loans in forbearance</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear_1458dccf-12a6-4b05-ba8c-c96a36a9b1b8_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans in forbearance, Year 1</link:label>
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    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Loans In Forbearance, Originated In Current Fiscal Year</link:label>
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    <link:label id="lab_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_f7ec8f6a-004f-4ae1-9052-f42b396ad759_terseLabel_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans in forbearance, Year 2</link:label>
    <link:label id="lab_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
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    <link:label id="lab_us-gaap_ShorttermDebtFairValue_428c874f-9dff-442f-ba3e-c244732c4575_terseLabel_en-US" xlink:label="lab_us-gaap_ShorttermDebtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Short-term borrowings</link:label>
    <link:label id="lab_us-gaap_ShorttermDebtFairValue_label_en-US" xlink:label="lab_us-gaap_ShorttermDebtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Short-term Debt, Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShorttermDebtFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShorttermDebtFairValue"/>
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    <link:label id="lab_slm_WithCosignerMember_496c6d52-2341-4d90-9ac3-796cd89bfec8_terseLabel_en-US" xlink:label="lab_slm_WithCosignerMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">With cosigner</link:label>
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    <link:label id="lab_slm_WithCosignerMember_documentation_en-US" xlink:label="lab_slm_WithCosignerMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">With Cosigner [Member]</link:label>
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    <link:label id="lab_us-gaap_TimeDepositsByMaturityAbstract_d2a0a826-64e7-490d-89be-84220b5c42c6_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositsByMaturityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Time Deposits, Fiscal Year Maturity [Abstract]</link:label>
    <link:label id="lab_us-gaap_TimeDepositsByMaturityAbstract_label_en-US" xlink:label="lab_us-gaap_TimeDepositsByMaturityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Time Deposits, Fiscal Year Maturity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositsByMaturityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract"/>
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    <link:label id="lab_dei_CityAreaCode_97ce5b82-008d-48b2-9af1-e5a50b8d165b_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CityAreaCode"/>
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    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_bdba9327-ea42-402a-9d5b-704517c68bfa_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
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    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_494e5988-dfd6-42eb-a38b-1e988e4574ba_terseLabel_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Aggregate Intrinsic Value, Exercisable, ending balance</link:label>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_label_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
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    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear_2f0a33e2-52e7-4fc2-8a45-52f97e369b40_terseLabel_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 6</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment, Originated Five Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment, Originated Five Or More Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear"/>
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    <link:label id="lab_us-gaap_CapitalAbstract_0f6b94d9-e571-4d33-ad17-fd49c654b6c9_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Actual Amount</link:label>
    <link:label id="lab_us-gaap_CapitalAbstract_label_en-US" xlink:label="lab_us-gaap_CapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Banking Regulation, Total Capital [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CapitalAbstract"/>
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    <link:label id="lab_us-gaap_DesignatedAsHedgingInstrumentMember_c53af022-0015-410a-ab0c-56a3bb79d083_terseLabel_en-US" xlink:label="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Designated as Hedging Instrument</link:label>
    <link:label id="lab_us-gaap_DesignatedAsHedgingInstrumentMember_label_en-US" xlink:label="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Designated as Hedging Instrument [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
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    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear_f5f1c089-28f8-40d9-93d8-ea4b701cef69_terseLabel_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 2</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
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    <link:label id="lab_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear_63e714bd-f507-49b5-995b-2ace9ca27e3b_terseLabel_en-US" xlink:label="lab_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans, gross, Year 6</link:label>
    <link:label id="lab_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Gross, Originated Five Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Gross, Originated Five Years Before Latest Fiscal Year</link:label>
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    <link:label id="lab_slm_LoansInRepaymentInPercentage_26523484-bfc3-4a54-a3d3-554452a38c79_totalLabel_en-US" xlink:label="lab_slm_LoansInRepaymentInPercentage" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total TDR loans in repayment</link:label>
    <link:label id="lab_slm_LoansInRepaymentInPercentage_label_en-US" xlink:label="lab_slm_LoansInRepaymentInPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans In Repayment In Percentage</link:label>
    <link:label id="lab_slm_LoansInRepaymentInPercentage_documentation_en-US" xlink:label="lab_slm_LoansInRepaymentInPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total loans in repayment, in percentage.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentInPercentage" xlink:href="slm-20211231.xsd#slm_LoansInRepaymentInPercentage"/>
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    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_93277707-4392-48a1-9373-a3a9fbb17b54_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans in forbearance, Year 3</link:label>
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    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_78751a80-3f92-49ba-96e1-69676b6bf078_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common stock repurchased</link:label>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_11a16c72-e501-4f96-ae17-a0a4ee03a1f1_terseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common stock repurchased</link:label>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_label_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Payments for Repurchase of Common Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
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    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_d51d7c21-b911-4614-8c91-a1c7e8ab765e_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current period net charge-offs, Year 6</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Five Or More Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Five Or More Years Before Current Fiscal Year</link:label>
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    <link:label id="lab_us-gaap_StockholdersEquityAbstract_09e74a33-e08a-4bcd-bf6c-79f8fd7c118d_terseLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Equity</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_StockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stockholders' Equity Attributable to Parent [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquityAbstract"/>
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    <link:label id="lab_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_f021266c-4b4a-41c6-a2c3-2c4d97129eac_terseLabel_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans in forbearance, Year 6</link:label>
    <link:label id="lab_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans In Repayment, Originated Five Or More Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans In Repayment, Originated Five Or More Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
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    <link:label id="lab_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_c2d83b5c-3fbb-4bc4-a5a4-98c2916d18a4_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Adjustments for New Accounting Pronouncements [Axis]</link:label>
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    <link:label id="lab_us-gaap_CurrentIncomeTaxExpenseBenefit_d22d713e-6136-4f46-880d-85d070b471bd_totalLabel_en-US" xlink:label="lab_us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total current provision (benefit)</link:label>
    <link:label id="lab_us-gaap_CurrentIncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit"/>
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    <link:label id="lab_us-gaap_DebtInstrumentFaceAmount_f9eb23b0-6d6d-4d48-bc11-5970e02b1587_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Issued</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentFaceAmount_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Instrument, Face Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentFaceAmount"/>
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    <link:label id="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent_5780bdbf-8c88-42f4-9f5d-2d1b8ca0b6a9_terseLabel_en-US" xlink:label="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Options granted, exercise price multiplier</link:label>
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    <link:label id="lab_slm_LoanspledgedtoBorrowerinCustody_5405d403-a21c-4b23-8877-166d9bc5a59f_terseLabel_en-US" xlink:label="lab_slm_LoanspledgedtoBorrowerinCustody" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans pledged to borrower in custody</link:label>
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    <link:label id="lab_us-gaap_DerivativeAssetsAbstract_342316f0-71bb-4fd1-89fa-b71f95b58f51_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Assets</link:label>
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    <link:label id="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus_edc0a5f2-d252-4d08-8451-d509abc90b41_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate offered to borrowers facing financial difficulty</link:label>
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    <link:label id="lab_us-gaap_SeriesBPreferredStockMember_6267c6c0-06b0-4c55-bfa1-c8dc18802aa9_terseLabel_en-US" xlink:label="lab_us-gaap_SeriesBPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Series B Preferred Stock</link:label>
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    <link:label id="lab_us-gaap_TreasuryStockRetiredCostMethodAmount_c18f7781-6854-4189-bfde-a84f4a421af0_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockRetiredCostMethodAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease to balance of common stock</link:label>
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    <link:label id="lab_slm_SeniorUnsecuredNotesDueNovember22026Member_f1f9118d-3979-4f2a-a298-dd2e55e2abb5_terseLabel_en-US" xlink:label="lab_slm_SeniorUnsecuredNotesDueNovember22026Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Senior Unsecured Notes Due November 2, 2026</link:label>
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    <link:label id="lab_us-gaap_FairValueInputsLevel2Member_f0bf05ab-1102-49e7-a4e8-d8ca2f1d4ebb_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level&#160;2&#160;</link:label>
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    <link:label id="lab_us-gaap_CreditScoreFicoAxis_041b428d-9114-40a0-af75-dab26dca1b45_terseLabel_en-US" xlink:label="lab_us-gaap_CreditScoreFicoAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit Score, FICO [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CreditScoreFicoAxis"/>
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    <link:label id="lab_us-gaap_TypeOfAdoptionMember_b55f2576-2bdc-48d6-a9ae-d400dec94334_terseLabel_en-US" xlink:label="lab_us-gaap_TypeOfAdoptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type of Adoption [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorLocation" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorLocation"/>
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    <link:label id="lab_us-gaap_DerivativeGainLossOnDerivativeNet_490d5345-adba-4704-832c-00de1380484e_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeGainLossOnDerivativeNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total</link:label>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_1af3c890-b0a2-4614-aedb-dda8df053f62_totalLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated Fair Value</link:label>
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    <link:label id="lab_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_a11fb19f-ff53-45e9-a251-e42e9d2f809b_terseLabel_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans in forbearance, Year 3</link:label>
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    <link:label id="lab_us-gaap_UseOfEstimates_d2e54e48-b755-43a0-a46c-29adc2c2a481_terseLabel_en-US" xlink:label="lab_us-gaap_UseOfEstimates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Use of Estimates and Assumptions</link:label>
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    <link:label id="lab_slm_ExcessOfNetAssetFairValueOverCarryingValue_cefe60e5-5c3f-4a5e-835d-42182cfca6fe_terseLabel_en-US" xlink:label="lab_slm_ExcessOfNetAssetFairValueOverCarryingValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Excess of net asset fair value over carrying value</link:label>
    <link:label id="lab_slm_ExcessOfNetAssetFairValueOverCarryingValue_label_en-US" xlink:label="lab_slm_ExcessOfNetAssetFairValueOverCarryingValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Excess Of Net Asset Fair Value Over Carrying Value</link:label>
    <link:label id="lab_slm_ExcessOfNetAssetFairValueOverCarryingValue_documentation_en-US" xlink:label="lab_slm_ExcessOfNetAssetFairValueOverCarryingValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Excess of net asset fair value over carrying value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ExcessOfNetAssetFairValueOverCarryingValue" xlink:href="slm-20211231.xsd#slm_ExcessOfNetAssetFairValueOverCarryingValue"/>
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    <link:label id="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_5b5db888-deaf-45d0-9fbd-7a9e75abf925_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Schedule of earnings per share, basic and diluted</link:label>
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    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_467b0115-45e9-42c8-9071-8cdcdb793b77_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net position</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_label_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative Asset, Fair Value, Amount Offset Against Collateral</link:label>
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    <link:label id="lab_dei_Security12bTitle_66f3aa47-127f-4e26-a83b-b0ce4b7e1ada_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:label id="lab_dei_Security12bTitle_label_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Title of 12(b) Security</link:label>
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    <link:label id="lab_slm_LoansAndLeasesReceivablePeriodOfForbearance_3f3370d8-ff9f-440d-bc17-6c0f217e26e0_terseLabel_en-US" xlink:label="lab_slm_LoansAndLeasesReceivablePeriodOfForbearance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period of forbearance</link:label>
    <link:label id="lab_slm_LoansAndLeasesReceivablePeriodOfForbearance_label_en-US" xlink:label="lab_slm_LoansAndLeasesReceivablePeriodOfForbearance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and Leases Receivable, Period of Forbearance</link:label>
    <link:label id="lab_slm_LoansAndLeasesReceivablePeriodOfForbearance_documentation_en-US" xlink:label="lab_slm_LoansAndLeasesReceivablePeriodOfForbearance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and Leases Receivable, Period of Forbearance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansAndLeasesReceivablePeriodOfForbearance" xlink:href="slm-20211231.xsd#slm_LoansAndLeasesReceivablePeriodOfForbearance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansAndLeasesReceivablePeriodOfForbearance" xlink:to="lab_slm_LoansAndLeasesReceivablePeriodOfForbearance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockSharesAuthorized_d782cb22-c31c-45a7-b32c-bead99228039_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common stock, shares authorized (in shares)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockSharesAuthorized"/>
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    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent_c0d24994-5037-48bc-9710-739596a307c0_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning based on monthly scheduled payments due from more than 48 payments, in percent</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent_label_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From More Than Forty Eight Payments In Percent</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent_documentation_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning based on monthly scheduled payments due from more than forty eight payments in percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" xlink:href="slm-20211231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent"/>
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    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_fa3b1040-31ac-4af0-a262-a1b141400bb2_totalLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net income (loss) attributable to SLM Corporation common stock</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Diluted</link:label>
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    <link:label id="lab_slm_CashduefromFederalReserveBank_3c1123ab-0a33-4515-a0cd-15428a71e1b1_terseLabel_en-US" xlink:label="lab_slm_CashduefromFederalReserveBank" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash due from Federal Reserve Bank</link:label>
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    <link:label id="lab_slm_CashduefromFederalReserveBank_documentation_en-US" xlink:label="lab_slm_CashduefromFederalReserveBank" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash due from Federal Reserve Bank</link:label>
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    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_288367b4-95c8-40a9-bd06-7ad00cc1a4fa_totalLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net income attributable to SLM Corporation common stock</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Basic</link:label>
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    <link:label id="lab_dei_DocumentType_a1b11a6e-a84a-4834-b545-5b68d1a6050c_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Type</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentType"/>
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    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember_e771d896-a429-4fd7-84f3-c91990ae7014_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Not yet in repayment</link:label>
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    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember_documentation_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From Not Yet In Repayment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember" xlink:href="slm-20211231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember"/>
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    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_a73803ed-a518-485a-bc6b-8832d295c31c_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Instrument, Interest Rate, Stated Percentage</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:to="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearFive_1febe198-757b-491b-b45d-a21febc14555_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">After four years to five years</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearFive_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Time Deposit Maturities, Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesYearFive" xlink:to="lab_us-gaap_TimeDepositMaturitiesYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit_cbb8c381-e106-4db4-a754-3fe5efe7aa8a_terseLabel_en-US" xlink:label="lab_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net (decrease) increase in certificates of deposit</link:label>
    <link:label id="lab_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit_label_en-US" xlink:label="lab_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net increase (decrease) in brokered certificates of deposit</link:label>
    <link:label id="lab_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit_documentation_en-US" xlink:label="lab_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net increase (decrease) in brokered certificates of deposit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit" xlink:href="slm-20211231.xsd#slm_Netincreasedecreaseinbrokeredcertificatesofdeposit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit" xlink:to="lab_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePercentPastDue1_d5139f0a-4253-4050-9f50-53f5967f53fa_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePercentPastDue1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans delinquent (in percentage)</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePercentPastDue1_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePercentPastDue1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Percent Past Due</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePercentPastDue1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablePercentPastDue1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePercentPastDue1" xlink:to="lab_us-gaap_FinancingReceivablePercentPastDue1" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2053Member_31c0c3d0-2b6a-48af-9e2d-01855e671fec_terseLabel_en-US" xlink:label="lab_slm_Maturity2053Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2053</link:label>
    <link:label id="lab_slm_Maturity2053Member_label_en-US" xlink:label="lab_slm_Maturity2053Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2053 [Member]</link:label>
    <link:label id="lab_slm_Maturity2053Member_documentation_en-US" xlink:label="lab_slm_Maturity2053Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2053</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2053Member" xlink:href="slm-20211231.xsd#slm_Maturity2053Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2053Member" xlink:to="lab_slm_Maturity2053Member" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2050Member_9125590d-5e40-4883-8b98-1764952bc053_terseLabel_en-US" xlink:label="lab_slm_Maturity2050Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2050</link:label>
    <link:label id="lab_slm_Maturity2050Member_label_en-US" xlink:label="lab_slm_Maturity2050Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2050 [Member]</link:label>
    <link:label id="lab_slm_Maturity2050Member_documentation_en-US" xlink:label="lab_slm_Maturity2050Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2050</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2050Member" xlink:href="slm-20211231.xsd#slm_Maturity2050Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2050Member" xlink:to="lab_slm_Maturity2050Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_b2c10deb-a2f3-41a5-a1f1-0663028624dc_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_a633024d-4bcd-49ac-b411-25017bc0b0dd_terseLabel_en-US" xlink:label="lab_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)</link:label>
    <link:label id="lab_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_label_en-US" xlink:label="lab_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedged Asset, Fair Value Hedge, Cumulative Increase (Decrease)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" xlink:to="lab_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseLongTermDebt_e26f4034-8b1c-44d2-8c36-a6375adab35c_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest expense on long-term borrowings</link:label>
    <link:label id="lab_us-gaap_InterestExpenseLongTermDebt_label_en-US" xlink:label="lab_us-gaap_InterestExpenseLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Expense, Long-term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseLongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseLongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseLongTermDebt" xlink:to="lab_us-gaap_InterestExpenseLongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByMeasurementFrequencyAxis_0e532844-1d57-49b4-838d-ce38e598ef34_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Measurement Frequency [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByMeasurementFrequencyAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Measurement Frequency [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:to="lab_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansAbstract_13fd60a7-0daf-4176-8e61-313f6e2e7216_terseLabel_en-US" xlink:label="lab_slm_LoansAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans:</link:label>
    <link:label id="lab_slm_LoansAbstract_label_en-US" xlink:label="lab_slm_LoansAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans [Abstract]</link:label>
    <link:label id="lab_slm_LoansAbstract_documentation_en-US" xlink:label="lab_slm_LoansAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansAbstract" xlink:href="slm-20211231.xsd#slm_LoansAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansAbstract" xlink:to="lab_slm_LoansAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet_8c0717f5-084b-464b-b738-631198184145_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net positive exposure</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet_label_en-US" xlink:label="lab_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative, Fair Value, Amount Offset Against Collateral, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet" xlink:to="lab_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncome_3d74b25d-c797-4fe5-b063-dea4ca47f2c6_totalLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total non-interest income</link:label>
    <link:label id="lab_us-gaap_NoninterestIncome_4a77be29-b17e-46e5-8ad9-c8dce92312bb_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-interest income (loss)</link:label>
    <link:label id="lab_us-gaap_NoninterestIncome_label_en-US" xlink:label="lab_us-gaap_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Noninterest Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncome" xlink:to="lab_us-gaap_NoninterestIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StatementGeographicalAxis_86e1a9a9-42b7-441f-81f6-cf41ac950747_terseLabel_en-US" xlink:label="lab_srt_StatementGeographicalAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Geographical [Axis]</link:label>
    <link:label id="lab_srt_StatementGeographicalAxis_label_en-US" xlink:label="lab_srt_StatementGeographicalAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Geographical [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_StatementGeographicalAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StatementGeographicalAxis" xlink:to="lab_srt_StatementGeographicalAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_cc87134a-84ea-4f36-bc55-f36c31323a7d_terseLabel_en-US" xlink:label="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]</link:label>
    <link:label id="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_label_en-US" xlink:label="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:to="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialLiabilitiesFairValueDisclosure_1d905385-b3bd-4c6b-8c32-f3e9b51909c3_totalLabel_en-US" xlink:label="lab_us-gaap_FinancialLiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total interest-bearing liabilities</link:label>
    <link:label id="lab_us-gaap_FinancialLiabilitiesFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_FinancialLiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Liabilities Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancialLiabilitiesFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure" xlink:to="lab_us-gaap_FinancialLiabilitiesFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DebtInstrumentFaceAmountAfterAdjustments_02ca54dc-6773-46b3-ba26-12604adc820c_totalLabel_en-US" xlink:label="lab_slm_DebtInstrumentFaceAmountAfterAdjustments" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total principal amount, after adjustments</link:label>
    <link:label id="lab_slm_DebtInstrumentFaceAmountAfterAdjustments_label_en-US" xlink:label="lab_slm_DebtInstrumentFaceAmountAfterAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Instrument, Face Amount, After Adjustments</link:label>
    <link:label id="lab_slm_DebtInstrumentFaceAmountAfterAdjustments_documentation_en-US" xlink:label="lab_slm_DebtInstrumentFaceAmountAfterAdjustments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Instrument, Face Amount, After Adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentFaceAmountAfterAdjustments" xlink:href="slm-20211231.xsd#slm_DebtInstrumentFaceAmountAfterAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DebtInstrumentFaceAmountAfterAdjustments" xlink:to="lab_slm_DebtInstrumentFaceAmountAfterAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_2fadd866-47ea-4a78-bade-13d91370465d_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Hedging Relationship [Axis]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:to="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongtermDebtWeightedAverageInterestRate_7fdc91f1-516c-4433-b753-126911ab37ab_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Weighted Average Interest Rate</link:label>
    <link:label id="lab_us-gaap_LongtermDebtWeightedAverageInterestRate_label_en-US" xlink:label="lab_us-gaap_LongtermDebtWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-term Debt, Weighted Average Interest Rate, at Point in Time</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtWeightedAverageInterestRate" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongtermDebtWeightedAverageInterestRate"/>
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    <link:label id="lab_slm_TreasuryStockSharesAcquiredAdditionalSharesReceived_359ec703-4bf5-43d4-9707-5c847373a47c_terseLabel_en-US" xlink:label="lab_slm_TreasuryStockSharesAcquiredAdditionalSharesReceived" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Additional shares repurchased</link:label>
    <link:label id="lab_slm_TreasuryStockSharesAcquiredAdditionalSharesReceived_label_en-US" xlink:label="lab_slm_TreasuryStockSharesAcquiredAdditionalSharesReceived" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury Stock, Shares, Acquired, Additional Shares Received</link:label>
    <link:label id="lab_slm_TreasuryStockSharesAcquiredAdditionalSharesReceived_documentation_en-US" xlink:label="lab_slm_TreasuryStockSharesAcquiredAdditionalSharesReceived" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury Stock, Shares, Acquired, Additional Shares Received</link:label>
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    <link:label id="lab_us-gaap_DerivativeCollateralRightToReclaimCash_ea5f1b52-f154-4327-a399-161faa731735_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash collateral pledged</link:label>
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    <link:label id="lab_us-gaap_SubsequentEventsTextBlock_300672b1-404a-4333-9278-322dc47b438b_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subsequent Events</link:label>
    <link:label id="lab_us-gaap_SubsequentEventsTextBlock_label_en-US" xlink:label="lab_us-gaap_SubsequentEventsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Subsequent Events [Text Block]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventsTextBlock" xlink:to="lab_us-gaap_SubsequentEventsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear_cef1ee21-7993-4d19-9f58-e23418b652b6_terseLabel_en-US" xlink:label="lab_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans, Year 4</link:label>
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    <link:label id="lab_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans, Originated Three Years Before Latest Fiscal Year</link:label>
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    <link:label id="lab_us-gaap_InvestmentPolicyTextBlock_e1e0e843-c8cf-4a97-93a1-1706d0f8bdf8_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading and Available-for-Sale Investments</link:label>
    <link:label id="lab_us-gaap_InvestmentPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_InvestmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investment, Policy [Policy Text Block]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentPolicyTextBlock" xlink:to="lab_us-gaap_InvestmentPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_0c4eb55f-eb22-46f8-8056-43b95b1d1245_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net cash (used in) provided by financing activities</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockValue_05e1b1dd-7dd2-439d-ba18-110347f9bebd_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockValue" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Less: Common stock held in treasury at cost: 153.1 million and 81.4 million shares, respectively</link:label>
    <link:label id="lab_us-gaap_TreasuryStockValue_87e59270-5042-4c3e-9486-684942c747e1_negatedLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockValue" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Less: Common stock held in treasury at cost: 153.1 million and 81.4 million shares, respectively</link:label>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_8972762c-74f4-4bc0-8970-3879df022fe5_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Vesting period</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period</link:label>
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    <link:label id="lab_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants_988b42b7-0e5e-4e24-8386-085c61511099_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period of positive payment performance required by a borrower between successive grants of forbearance</link:label>
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    <link:label id="lab_slm_IncreaseDecreaseinincometaxpayabletorelatedparty_d0587aed-5c69-4ce4-b5f6-0d26e8bf6264_terseLabel_en-US" xlink:label="lab_slm_IncreaseDecreaseinincometaxpayabletorelatedparty" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in income tax payable, net</link:label>
    <link:label id="lab_slm_IncreaseDecreaseinincometaxpayabletorelatedparty_26f5be0e-5fe4-48d9-b3d7-8979832048a9_verboseLabel_en-US" xlink:label="lab_slm_IncreaseDecreaseinincometaxpayabletorelatedparty" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (decrease) in income taxes payable, net</link:label>
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    <link:label id="lab_slm_BrokeredDepositPlacementFee_aedf6b23-528e-4963-a0a6-3abdb989a102_terseLabel_en-US" xlink:label="lab_slm_BrokeredDepositPlacementFee" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Brokered deposit placement fee</link:label>
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    <link:label id="lab_slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR_6ab77164-ab8b-475c-9fde-4f5f2ab56fa8_terseLabel_en-US" xlink:label="lab_slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period of forbearance period to be classified as TDR</link:label>
    <link:label id="lab_slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR_label_en-US" xlink:label="lab_slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and Leases Receivable, Period of Forbearance Within Twenty-Four Month Period to be Classified as TDR</link:label>
    <link:label id="lab_slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR_documentation_en-US" xlink:label="lab_slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and Leases Receivable, Period of Forbearance Within Twenty-Four Month Period to be Classified as TDR</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR" xlink:href="slm-20211231.xsd#slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR" xlink:to="lab_slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_TDRLoansMember_dfa11362-f28b-4956-b421-c06bc0071407_terseLabel_en-US" xlink:label="lab_slm_TDRLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">TDR Loans</link:label>
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    <link:label id="lab_slm_TDRLoansMember_documentation_en-US" xlink:label="lab_slm_TDRLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">TDR Loans [Member]</link:label>
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    <link:label id="lab_us-gaap_FairValueDisclosuresTextBlock_68719bb3-6469-4197-81d7-c97b90389c2a_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair Value Measurements</link:label>
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    <link:label id="lab_us-gaap_CashAndDueFromBanks_8f542dc6-5431-47be-b97f-ef92065da193_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndDueFromBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash due from depository institutions</link:label>
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    <link:label id="lab_us-gaap_RestructuringCharges_199058ce-b6b7-4c1e-89a8-3f13b7888561_terseLabel_en-US" xlink:label="lab_us-gaap_RestructuringCharges" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restructuring expenses</link:label>
    <link:label id="lab_us-gaap_RestructuringCharges_label_en-US" xlink:label="lab_us-gaap_RestructuringCharges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restructuring Charges</link:label>
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    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesAbstract_a9d6cee3-f5e5-42c6-88ed-532748043320_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax liabilities:</link:label>
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    <link:label id="lab_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract_f72659a5-7966-433b-a970-18105503a3b2_terseLabel_en-US" xlink:label="lab_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash Flow Hedges</link:label>
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    <link:label id="lab_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized_de9cef83-909d-4daa-8059-2b7a0d86d1e0_terseLabel_en-US" xlink:label="lab_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1 Capital (to Average Assets)</link:label>
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    <link:label id="lab_slm_Maturity2051Member_ea87c243-f5e9-4874-99a1-d419d835c56a_terseLabel_en-US" xlink:label="lab_slm_Maturity2051Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2051</link:label>
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    <link:label id="lab_slm_Maturity2051Member_documentation_en-US" xlink:label="lab_slm_Maturity2051Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2051</link:label>
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    <link:label id="lab_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_5ee135b8-c40c-45e1-98ff-80c262e7708c_totalLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net (decrease) increase in cash and cash equivalents</link:label>
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    <link:label id="lab_slm_SecuredBorrowingsMember_ffaaa19a-d85b-4b70-b4c1-28ded8a074b6_terseLabel_en-US" xlink:label="lab_slm_SecuredBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured Borrowings</link:label>
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    <link:label id="lab_slm_SecuredBorrowingsMember_documentation_en-US" xlink:label="lab_slm_SecuredBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured Borrowings [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SecuredBorrowingsMember" xlink:href="slm-20211231.xsd#slm_SecuredBorrowingsMember"/>
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    <link:label id="lab_us-gaap_TreasuryStockSharesRetired_d363ee1f-e2eb-44f0-9b3e-dd9590dc8582_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockSharesRetired" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares cancelled (in shares)</link:label>
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    <link:label id="lab_us-gaap_DerivativeTable_49f14f7e-a8f5-4cf4-a789-64c95c6c27a7_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative [Table]</link:label>
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    <link:label id="lab_slm_OfferingPeriodOfEmployeeStockPurchasePlan_76411e13-8812-4582-8514-86dcc3e8c2e6_terseLabel_en-US" xlink:label="lab_slm_OfferingPeriodOfEmployeeStockPurchasePlan" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Offering period of employee stock purchase plan</link:label>
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    <link:label id="lab_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear_06ea48eb-1cd2-44c4-b9c9-6fdeb61b5d6d_terseLabel_en-US" xlink:label="lab_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans, gross, Year 4</link:label>
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    <link:label id="lab_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_379d5325-85a4-42f0-b78d-848c27b5cbdf_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">State</link:label>
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    <link:label id="lab_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract_4392e5c0-e585-4ab8-91c5-ae442428e5fc_terseLabel_en-US" xlink:label="lab_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total</link:label>
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    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearFour_d2cb9e63-f2a8-44d2-a603-a2ea5302ca54_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">After three years to four years</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearFour_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Time Deposit Maturities, Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour"/>
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    <link:label id="lab_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract_aedd7f96-2d36-41f6-a6c0-d75ea10ce780_terseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest-bearing Deposit Liabilities, Domestic, by Component [Abstract]</link:label>
    <link:label id="lab_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract_label_en-US" xlink:label="lab_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest-bearing Deposit Liabilities, Domestic, by Component [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract"/>
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    <link:label id="lab_us-gaap_InvestmentsFairValueDisclosure_da16dd1f-8f84-4c20-b7f1-4ba7aa801c33_verboseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Available-for-sale investments</link:label>
    <link:label id="lab_us-gaap_InvestmentsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_InvestmentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InvestmentsFairValueDisclosure"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleTable_7351d56a-922b-49ea-b397-bdf80a4b72cd_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Securities, Available-for-sale [Table]</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleTable_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Securities, Available-for-sale [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleTable" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear_5e24340f-691b-410b-b7e3-c34735faa54e_terseLabel_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of Private Education Loans in repayment, Year 5</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage Of Loans In Repayment, Originated Four Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage Of Loans In Repayment, Originated Four Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" xlink:href="slm-20211231.xsd#slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear"/>
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    <link:label id="lab_us-gaap_RepaymentsOfUnsecuredDebt_656fa948-d830-4b41-af06-75d5de017eed_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfUnsecuredDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unsecured debt repaid</link:label>
    <link:label id="lab_us-gaap_RepaymentsOfUnsecuredDebt_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfUnsecuredDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repayments of Unsecured Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfUnsecuredDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfUnsecuredDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfUnsecuredDebt" xlink:to="lab_us-gaap_RepaymentsOfUnsecuredDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TradingSecuritiesDebt_649c709b-c66c-4d7f-9557-6f552f9c08db_terseLabel_en-US" xlink:label="lab_us-gaap_TradingSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading investments at fair value (cost of $29,049 and $12,551, respectively )</link:label>
    <link:label id="lab_us-gaap_TradingSecuritiesDebt_a88f9481-aa69-4b88-9d8e-cb114bc1ba2f_verboseLabel_en-US" xlink:label="lab_us-gaap_TradingSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading investments</link:label>
    <link:label id="lab_us-gaap_TradingSecuritiesDebt_label_en-US" xlink:label="lab_us-gaap_TradingSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Securities, Trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TradingSecuritiesDebt" xlink:to="lab_us-gaap_TradingSecuritiesDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NetincreaseinMMDAdeposits_4a171224-7b0e-4cf5-8c7b-9218daedd5d9_terseLabel_en-US" xlink:label="lab_slm_NetincreaseinMMDAdeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net increase in other deposits</link:label>
    <link:label id="lab_slm_NetincreaseinMMDAdeposits_label_en-US" xlink:label="lab_slm_NetincreaseinMMDAdeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net increase in MMDA deposits</link:label>
    <link:label id="lab_slm_NetincreaseinMMDAdeposits_documentation_en-US" xlink:label="lab_slm_NetincreaseinMMDAdeposits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net increase in MMDA deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetincreaseinMMDAdeposits" xlink:href="slm-20211231.xsd#slm_NetincreaseinMMDAdeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NetincreaseinMMDAdeposits" xlink:to="lab_slm_NetincreaseinMMDAdeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedFinancialStatementsCaptionsLineItems_b3cb4024-fb27-45f8-b9ef-a8685bcb8d51_terseLabel_en-US" xlink:label="lab_srt_CondensedFinancialStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed Financial Statements, Captions [Line Items]</link:label>
    <link:label id="lab_srt_CondensedFinancialStatementsCaptionsLineItems_label_en-US" xlink:label="lab_srt_CondensedFinancialStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed Financial Statements, Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialStatementsCaptionsLineItems" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CondensedFinancialStatementsCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems" xlink:to="lab_srt_CondensedFinancialStatementsCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_17cfbc8d-6d11-46cb-9475-59f1251c76b2_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Premises and equipment, net</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_877ea271-7df4-4eb8-bd69-b0f89206cbb3_totalLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Premises and equipment, net</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property, Plant and Equipment, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestReceivable_f062af8c-e1a0-4d39-a231-2d9da755df84_terseLabel_en-US" xlink:label="lab_us-gaap_InterestReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accrued interest receivable</link:label>
    <link:label id="lab_us-gaap_InterestReceivable_label_en-US" xlink:label="lab_us-gaap_InterestReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestReceivable" xlink:to="lab_us-gaap_InterestReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear_e9da0410-def5-42da-a1db-00671e063a6a_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Year 1</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Year One, Originated, Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear"/>
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    <link:label id="lab_us-gaap_OperatingExpenses_4bbd4bdd-e5eb-485b-9bce-96cec0e16558_totalLabel_en-US" xlink:label="lab_us-gaap_OperatingExpenses" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total operating expenses</link:label>
    <link:label id="lab_us-gaap_OperatingExpenses_f9d13ff0-af8b-4606-93be-602954a20bc5_verboseLabel_en-US" xlink:label="lab_us-gaap_OperatingExpenses" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total operating expenses</link:label>
    <link:label id="lab_us-gaap_OperatingExpenses_label_en-US" xlink:label="lab_us-gaap_OperatingExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Operating Expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingExpenses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingExpenses" xlink:to="lab_us-gaap_OperatingExpenses" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LandAndLandImprovementsMember_f758abd7-f53e-41ac-b069-852024079687_terseLabel_en-US" xlink:label="lab_us-gaap_LandAndLandImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Land and land improvements</link:label>
    <link:label id="lab_us-gaap_LandAndLandImprovementsMember_label_en-US" xlink:label="lab_us-gaap_LandAndLandImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Land and Land Improvements [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LandAndLandImprovementsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LandAndLandImprovementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LandAndLandImprovementsMember" xlink:to="lab_us-gaap_LandAndLandImprovementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DividendsPreferredStockCash_192d5aa2-54c2-4ee7-9881-c7b981d462d0_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DividendsPreferredStockCash" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred stock</link:label>
    <link:label id="lab_us-gaap_DividendsPreferredStockCash_label_en-US" xlink:label="lab_us-gaap_DividendsPreferredStockCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividends, Preferred Stock, Cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStockCash" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DividendsPreferredStockCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsPreferredStockCash" xlink:to="lab_us-gaap_DividendsPreferredStockCash" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SchoolFicoMember_b7501a7d-f3a0-4c03-9180-b283334487a7_terseLabel_en-US" xlink:label="lab_slm_SchoolFicoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">School Type/FICO Scores</link:label>
    <link:label id="lab_slm_SchoolFicoMember_label_en-US" xlink:label="lab_slm_SchoolFicoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">School Fico [Member]</link:label>
    <link:label id="lab_slm_SchoolFicoMember_documentation_en-US" xlink:label="lab_slm_SchoolFicoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">School type fico credit quality indicators that are developed and used internally by the company.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SchoolFicoMember" xlink:href="slm-20211231.xsd#slm_SchoolFicoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SchoolFicoMember" xlink:to="lab_slm_SchoolFicoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareAbstract_7958b050-d323-4a9c-9583-106a6f5bd1ba_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Earnings Per Share [Abstract]</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareAbstract_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Earnings Per Share [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareAbstract" xlink:to="lab_us-gaap_EarningsPerShareAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_StableInterestbearingDepositsTotal_3d2d6770-eb6e-484a-bed7-3270fdb0aeb3_terseLabel_en-US" xlink:label="lab_slm_StableInterestbearingDepositsTotal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Aggregate of deposits of individual depositors</link:label>
    <link:label id="lab_slm_StableInterestbearingDepositsTotal_label_en-US" xlink:label="lab_slm_StableInterestbearingDepositsTotal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stable Interest-bearing Deposits, Total</link:label>
    <link:label id="lab_slm_StableInterestbearingDepositsTotal_documentation_en-US" xlink:label="lab_slm_StableInterestbearingDepositsTotal" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stable Interest-bearing Deposits, Total</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StableInterestbearingDepositsTotal" xlink:href="slm-20211231.xsd#slm_StableInterestbearingDepositsTotal"/>
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    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentGross_b40cd7a4-7cdf-4511-91a4-7f5e9172caa9_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentGross" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Premises and equipment, gross</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentGross_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentGross" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Property, Plant and Equipment, Gross</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentGross" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentGross" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentGross" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_StockRepurchaseProgramCancelledPurchaseShares_9fe2abaf-66a4-410a-b2ab-76de0f906f94_terseLabel_en-US" xlink:label="lab_slm_StockRepurchaseProgramCancelledPurchaseShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares related to settlement of common stock tender offer</link:label>
    <link:label id="lab_slm_StockRepurchaseProgramCancelledPurchaseShares_label_en-US" xlink:label="lab_slm_StockRepurchaseProgramCancelledPurchaseShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stock Repurchase Program, Cancelled Purchase, Shares</link:label>
    <link:label id="lab_slm_StockRepurchaseProgramCancelledPurchaseShares_documentation_en-US" xlink:label="lab_slm_StockRepurchaseProgramCancelledPurchaseShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stock Repurchase Program, Cancelled Purchase, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StockRepurchaseProgramCancelledPurchaseShares" xlink:href="slm-20211231.xsd#slm_StockRepurchaseProgramCancelledPurchaseShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_StockRepurchaseProgramCancelledPurchaseShares" xlink:to="lab_slm_StockRepurchaseProgramCancelledPurchaseShares" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansheldforinvestmentbyRegionLineItems_045014eb-6919-4ecd-9922-3fc5c282fbcc_terseLabel_en-US" xlink:label="lab_slm_LoansheldforinvestmentbyRegionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans held for investment by Region [Line Items]</link:label>
    <link:label id="lab_slm_LoansheldforinvestmentbyRegionLineItems_label_en-US" xlink:label="lab_slm_LoansheldforinvestmentbyRegionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans held for investment by Region [Line Items]</link:label>
    <link:label id="lab_slm_LoansheldforinvestmentbyRegionLineItems_documentation_en-US" xlink:label="lab_slm_LoansheldforinvestmentbyRegionLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">[Line Items] for Loans held for investment by Region [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansheldforinvestmentbyRegionLineItems" xlink:href="slm-20211231.xsd#slm_LoansheldforinvestmentbyRegionLineItems"/>
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    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent_477fdaf0-e0ae-4614-93be-b856fecdbb54_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning based on monthly scheduled payments due from 13 - 24 payments, in percent</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent_label_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From Thirteen To Twenty Four Payments In Percent</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent_documentation_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning based on monthly scheduled payments due from thirteen to twenty four payments in percent.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" xlink:href="slm-20211231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" xlink:to="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock_e63b5417-2f43-43df-aa2b-999997cd2323_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Parent only Condensed Statements of Income</link:label>
    <link:label id="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock_label_en-US" xlink:label="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed Income Statement [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ScheduleOfCondensedIncomeStatementTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:to="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_TroubledDebtRestructuredLoansMember_fe04f900-ede3-49aa-8052-db4244907b4b_terseLabel_en-US" xlink:label="lab_slm_TroubledDebtRestructuredLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Troubled Debt Restructured Loans</link:label>
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    <link:label id="lab_slm_TroubledDebtRestructuredLoansMember_documentation_en-US" xlink:label="lab_slm_TroubledDebtRestructuredLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Troubled Debt Restructured Loans [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TroubledDebtRestructuredLoansMember" xlink:href="slm-20211231.xsd#slm_TroubledDebtRestructuredLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_TroubledDebtRestructuredLoansMember" xlink:to="lab_slm_TroubledDebtRestructuredLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_RestrictedCashandInvestmentsPolicyTextBlock_5fdc751b-6160-475e-82f7-3922a012f11a_terseLabel_en-US" xlink:label="lab_slm_RestrictedCashandInvestmentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted Cash</link:label>
    <link:label id="lab_slm_RestrictedCashandInvestmentsPolicyTextBlock_label_en-US" xlink:label="lab_slm_RestrictedCashandInvestmentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted Cash and Investments [Policy Text Block]</link:label>
    <link:label id="lab_slm_RestrictedCashandInvestmentsPolicyTextBlock_documentation_en-US" xlink:label="lab_slm_RestrictedCashandInvestmentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted Cash and Investments [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_RestrictedCashandInvestmentsPolicyTextBlock" xlink:href="slm-20211231.xsd#slm_RestrictedCashandInvestmentsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_RestrictedCashandInvestmentsPolicyTextBlock" xlink:to="lab_slm_RestrictedCashandInvestmentsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_72f82e8a-ac34-4718-997a-380dcc177fe4_periodStartLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Beginning balance (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_9641ebb2-d750-44d0-a58a-de69e7f8b0c7_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ending balance (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DeferredTaxLiabilitiesMarketValueAdjustments_98ed9eef-3f07-49b7-8707-33b6c2da0d68_terseLabel_en-US" xlink:label="lab_slm_DeferredTaxLiabilitiesMarketValueAdjustments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Market value adjustments on student loans, investments and derivatives</link:label>
    <link:label id="lab_slm_DeferredTaxLiabilitiesMarketValueAdjustments_label_en-US" xlink:label="lab_slm_DeferredTaxLiabilitiesMarketValueAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred Tax Liabilities, Market Value Adjustments</link:label>
    <link:label id="lab_slm_DeferredTaxLiabilitiesMarketValueAdjustments_documentation_en-US" xlink:label="lab_slm_DeferredTaxLiabilitiesMarketValueAdjustments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred Tax Liabilities, Market Value Adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DeferredTaxLiabilitiesMarketValueAdjustments" xlink:href="slm-20211231.xsd#slm_DeferredTaxLiabilitiesMarketValueAdjustments"/>
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    <link:label id="lab_us-gaap_InterestBearingDepositLiabilities_59c12dd4-1d56-4016-8704-7c5f8b2a2885_verboseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits - interest bearing</link:label>
    <link:label id="lab_us-gaap_InterestBearingDepositLiabilities_4185b735-91d0-40f0-a091-b8d0e8129149_totalLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits - interest bearing</link:label>
    <link:label id="lab_us-gaap_InterestBearingDepositLiabilities_label_en-US" xlink:label="lab_us-gaap_InterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest-bearing Deposit Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestBearingDepositLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestBearingDepositLiabilities" xlink:to="lab_us-gaap_InterestBearingDepositLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock_58bbfdc6-af1c-492d-b863-9987b97a58d2_terseLabel_en-US" xlink:label="lab_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Schedule of maturities of time deposits</link:label>
    <link:label id="lab_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock_label_en-US" xlink:label="lab_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Schedule of Maturities of Time Deposits [Table Text Block]</link:label>
    <link:label id="lab_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock_documentation_en-US" xlink:label="lab_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Schedule of Maturities of Time Deposits [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock" xlink:href="slm-20211231.xsd#slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock" xlink:to="lab_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansheldforinvestmentbyRegionTable_e425a79e-21a2-40ff-84f5-2229e767f30f_terseLabel_en-US" xlink:label="lab_slm_LoansheldforinvestmentbyRegionTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans held for investment by Region [Table]</link:label>
    <link:label id="lab_slm_LoansheldforinvestmentbyRegionTable_label_en-US" xlink:label="lab_slm_LoansheldforinvestmentbyRegionTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans held for investment by Region [Table]</link:label>
    <link:label id="lab_slm_LoansheldforinvestmentbyRegionTable_documentation_en-US" xlink:label="lab_slm_LoansheldforinvestmentbyRegionTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans held for investment by Region [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansheldforinvestmentbyRegionTable" xlink:href="slm-20211231.xsd#slm_LoansheldforinvestmentbyRegionTable"/>
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    <link:label id="lab_us-gaap_SharesIssued_20a05d4f-ad45-4586-b9de-d50e1b9d814f_periodStartLabel_en-US" xlink:label="lab_us-gaap_SharesIssued" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Beginning balance, shares issued (in shares)</link:label>
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    <link:label id="lab_us-gaap_SharesIssued_label_en-US" xlink:label="lab_us-gaap_SharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares, Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharesIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharesIssued" xlink:to="lab_us-gaap_SharesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Dividends_741f7ef3-1e43-45a7-a920-897178005923_terseLabel_en-US" xlink:label="lab_us-gaap_Dividends" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividends</link:label>
    <link:label id="lab_us-gaap_Dividends_label_en-US" xlink:label="lab_us-gaap_Dividends" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dividends</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Dividends" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Dividends"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Dividends" xlink:to="lab_us-gaap_Dividends" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments_592e37f8-1940-4e6f-8f28-f40cb0e8ffbd_terseLabel_en-US" xlink:label="lab_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfer from unfunded commitment liability</link:label>
    <link:label id="lab_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments_label_en-US" xlink:label="lab_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Off-Balance Sheet, Credit Loss, Liability, Transfer From Unfunded Commitments</link:label>
    <link:label id="lab_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments_documentation_en-US" xlink:label="lab_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Off-Balance Sheet, Credit Loss, Liability, Transfer From Unfunded Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" xlink:href="slm-20211231.xsd#slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" xlink:to="lab_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_26e8ad3e-a3b6-40e8-b2db-a2b2d42b35b7_terseLabel_en-US" xlink:label="lab_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1 Capital (to Average Assets)</link:label>
    <link:label id="lab_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_label_en-US" xlink:label="lab_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier One Common Equity Capital Required to be Well Capitalized to Risk Weighted Assets</link:label>
    <link:label id="lab_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_documentation_en-US" xlink:label="lab_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier One Common Equity Capital Required to be Well Capitalized to Risk Weighted Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" xlink:href="slm-20211231.xsd#slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" xlink:to="lab_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_MaximumContributionAmountPerEmployeeToEspp_c9aba407-96c3-4d9c-b331-8bc7502d76cd_terseLabel_en-US" xlink:label="lab_slm_MaximumContributionAmountPerEmployeeToEspp" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum contribution amount per employee to ESPP</link:label>
    <link:label id="lab_slm_MaximumContributionAmountPerEmployeeToEspp_label_en-US" xlink:label="lab_slm_MaximumContributionAmountPerEmployeeToEspp" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum Contribution Amount Per Employee To Espp</link:label>
    <link:label id="lab_slm_MaximumContributionAmountPerEmployeeToEspp_documentation_en-US" xlink:label="lab_slm_MaximumContributionAmountPerEmployeeToEspp" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum contribution amount per employee to ESPP.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_MaximumContributionAmountPerEmployeeToEspp" xlink:href="slm-20211231.xsd#slm_MaximumContributionAmountPerEmployeeToEspp"/>
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    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearOne_d7ce923f-9797-436b-a314-21f5ba6c0940_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearOne" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">One year or less</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearOne_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearOne" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Time Deposit Maturities, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearOne" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesYearOne" xlink:to="lab_us-gaap_TimeDepositMaturitiesYearOne" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalized_9dc0e425-f6fa-4e39-90d9-26e8fc705872_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Capital (to Risk-Weighted Assets)</link:label>
    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalized_label_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Banking Regulation, Total Risk-Based Capital, Well Capitalized, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalized" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalRequiredToBeWellCapitalized" xlink:to="lab_us-gaap_CapitalRequiredToBeWellCapitalized" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxPolicyTextBlock_69bc919e-d757-4f62-a86a-684c01a66a9b_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income Taxes</link:label>
    <link:label id="lab_us-gaap_IncomeTaxPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_IncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income Tax, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxPolicyTextBlock" xlink:to="lab_us-gaap_IncomeTaxPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LondonInterbankOfferedRateLIBORMember_1f10c58d-eaae-477e-8c2e-5ce32fcd9eca_terseLabel_en-US" xlink:label="lab_us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">London Interbank Offered Rate (LIBOR)</link:label>
    <link:label id="lab_us-gaap_LondonInterbankOfferedRateLIBORMember_label_en-US" xlink:label="lab_us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">London Interbank Offered Rate (LIBOR) [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LondonInterbankOfferedRateLIBORMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:to="lab_us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2038Member_9fae0241-727a-4a89-8d40-af65e0e4c37d_terseLabel_en-US" xlink:label="lab_slm_Maturity2038Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2038</link:label>
    <link:label id="lab_slm_Maturity2038Member_label_en-US" xlink:label="lab_slm_Maturity2038Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2038 [Member]</link:label>
    <link:label id="lab_slm_Maturity2038Member_documentation_en-US" xlink:label="lab_slm_Maturity2038Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2038 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2038Member" xlink:href="slm-20211231.xsd#slm_Maturity2038Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2038Member" xlink:to="lab_slm_Maturity2038Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestExpense_97e7e3e7-90db-42cf-ac46-692cc741c079_totalLabel_en-US" xlink:label="lab_us-gaap_NoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total non-interest expenses</link:label>
    <link:label id="lab_us-gaap_NoninterestExpense_77f9f461-41f2-4632-b525-2ec89ca0f28d_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-interest expenses</link:label>
    <link:label id="lab_us-gaap_NoninterestExpense_label_en-US" xlink:label="lab_us-gaap_NoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Noninterest Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestExpense" xlink:to="lab_us-gaap_NoninterestExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressPostalZipCode_34a6232c-2c7a-4f10-b987-36401f12f436_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressPostalZipCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_MoneyMarketandSavingsAccountsMember_89e676ac-980c-4f2d-89e9-b4973b5df6db_terseLabel_en-US" xlink:label="lab_slm_MoneyMarketandSavingsAccountsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Money-market and savings accounts</link:label>
    <link:label id="lab_slm_MoneyMarketandSavingsAccountsMember_label_en-US" xlink:label="lab_slm_MoneyMarketandSavingsAccountsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Money Market and Savings Accounts [Member]</link:label>
    <link:label id="lab_slm_MoneyMarketandSavingsAccountsMember_documentation_en-US" xlink:label="lab_slm_MoneyMarketandSavingsAccountsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Money Market and Savings Accounts [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_MoneyMarketandSavingsAccountsMember" xlink:href="slm-20211231.xsd#slm_MoneyMarketandSavingsAccountsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_MoneyMarketandSavingsAccountsMember" xlink:to="lab_slm_MoneyMarketandSavingsAccountsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_79f40dc4-c87c-4459-ab8e-dead54010903_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average common and common equivalent shares outstanding (in shares)</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_197285cd-cfc0-409c-a5aa-74efad21bfe8_totalLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Weighted average shares used to compute diluted EPS (in shares)</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_label_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_34e975fa-202c-4662-9fc6-adf02ac5615d_terseLabel_en-US" xlink:label="lab_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net charge-offs:</link:label>
    <link:label id="lab_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_label_en-US" xlink:label="lab_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract" xlink:to="lab_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxDisclosureTextBlock_13917cf9-36fe-4eab-86a1-0e8ef97f6111_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income Taxes</link:label>
    <link:label id="lab_us-gaap_IncomeTaxDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income Tax Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
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    <link:label id="lab_us-gaap_RelatedPartyDomain_73795e9a-ed9a-4433-b33c-ac2c067d130b_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Related Party [Domain]</link:label>
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    <link:label id="lab_us-gaap_LongtermDebtTypeAxis_63f5792d-0155-4aed-a063-7da99ac676cc_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-term Debt, Type [Axis]</link:label>
    <link:label id="lab_us-gaap_LongtermDebtTypeAxis_label_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-term Debt, Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongtermDebtTypeAxis"/>
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    <link:label id="lab_slm_EffectiveIncomeTaxRateReconciliationUnrecognizedTaxBenefitsNetofFederalBenefit_e7c6f588-1702-41de-a53b-32f27921bd60_terseLabel_en-US" xlink:label="lab_slm_EffectiveIncomeTaxRateReconciliationUnrecognizedTaxBenefitsNetofFederalBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unrecognized tax benefits, U.S. federal and state, net of federal benefit</link:label>
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    <link:label id="lab_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_35fc4f93-2291-457a-987a-014533834a75_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stock option activity</link:label>
    <link:label id="lab_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share-based Payment Arrangement, Option, Activity [Table Text Block]</link:label>
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    <link:label id="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_f725298d-4661-480b-b870-4a791604aa25_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis spread on variable rate</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Instrument, Basis Spread on Variable Rate</link:label>
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    <link:label id="lab_slm_PrivateEducationLoansMember_673e8700-09e1-482c-9895-3a41d75649bc_terseLabel_en-US" xlink:label="lab_slm_PrivateEducationLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans</link:label>
    <link:label id="lab_slm_PrivateEducationLoansMember_00f842e3-efe6-4fd1-9107-2354f67de0d2_verboseLabel_en-US" xlink:label="lab_slm_PrivateEducationLoansMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans</link:label>
    <link:label id="lab_slm_PrivateEducationLoansMember_label_en-US" xlink:label="lab_slm_PrivateEducationLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans [Member]</link:label>
    <link:label id="lab_slm_PrivateEducationLoansMember_documentation_en-US" xlink:label="lab_slm_PrivateEducationLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private education loans.</link:label>
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    <link:label id="lab_us-gaap_StatementOfCashFlowsAbstract_1ee99a2d-a3c3-4fb9-8551-bba7678195ab_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
    <link:label id="lab_us-gaap_StatementOfCashFlowsAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
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    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_bf65cb80-da5b-4794-bceb-875c68a8ae24_terseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans</link:label>
    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Receivable, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
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    <link:label id="lab_us-gaap_ClassOfStockLineItems_7857a6ca-6a0f-4b44-8762-e022334e05a1_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfStockLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Class of Stock [Line Items]</link:label>
    <link:label id="lab_us-gaap_ClassOfStockLineItems_label_en-US" xlink:label="lab_us-gaap_ClassOfStockLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Class of Stock [Line Items]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfStockLineItems" xlink:to="lab_us-gaap_ClassOfStockLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherRestructuringCosts_e2a7ba4d-cbed-4fe4-a4c7-0ca4adb8d22d_terseLabel_en-US" xlink:label="lab_us-gaap_OtherRestructuringCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other related costs</link:label>
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    <link:label id="lab_us-gaap_NondesignatedMember_23e211b3-cb8c-4912-8634-8dc6f1005c6d_verboseLabel_en-US" xlink:label="lab_us-gaap_NondesignatedMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading</link:label>
    <link:label id="lab_us-gaap_NondesignatedMember_1e25daf9-3c30-4dd5-b88a-f11003253831_terseLabel_en-US" xlink:label="lab_us-gaap_NondesignatedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading</link:label>
    <link:label id="lab_us-gaap_NondesignatedMember_label_en-US" xlink:label="lab_us-gaap_NondesignatedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Not Designated as Hedging Instrument [Member]</link:label>
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    <link:label id="lab_us-gaap_CreditFacilityAxis_346a403a-2484-46a8-a046-e0bdcb1fc390_terseLabel_en-US" xlink:label="lab_us-gaap_CreditFacilityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit Facility [Axis]</link:label>
    <link:label id="lab_us-gaap_CreditFacilityAxis_label_en-US" xlink:label="lab_us-gaap_CreditFacilityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit Facility [Axis]</link:label>
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    <link:label id="lab_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance_9e85c222-57e7-4ba1-99e4-7b3f545a574f_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average Balance</link:label>
    <link:label id="lab_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance_label_en-US" xlink:label="lab_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Before Allowance For Credit Loss, Average Balance</link:label>
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    <link:label id="lab_dei_EntityAddressAddressLine1_816d9e3b-aef3-4e13-bd12-59b4671fe77f_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Address Line One</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts_14fbaa99-c96e-4ec2-a08d-b378b1f5a065_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance For Credit Losses</link:label>
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    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear_56b56189-9143-4e02-9dc1-da51594dacbf_terseLabel_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 1</link:label>
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    <link:label id="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityOther_c9f72664-f718-4ce5-9128-645ded599d86_terseLabel_en-US" xlink:label="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityOther" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other provision items</link:label>
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    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_f337ab4c-2aa5-4599-af4f-5a3e8ca96ab1_totalLabel_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans deferred origination costs and unamortized premium/(discount), Total</link:label>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_55c02561-ae3a-4203-9156-c0c7e0abb1c7_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross Unrealized Losses</link:label>
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    <link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_24e48b08-8c16-4a86-9327-e5225daf3b35_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax provision (benefit)</link:label>
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    <link:label id="lab_us-gaap_DebtInstrumentRedemptionPricePercentage_1aebbe52-3cf6-4ce3-b6bd-9ae95cb553a1_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPricePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Redemption price</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPricePercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentRedemptionPricePercentage"/>
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    <link:label id="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_c1924a3e-a93f-43a9-9144-8e16a47fe7c5_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stock-based compensation expense</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">APIC, Share-based Payment Arrangement, Increase for Cost Recognition</link:label>
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    <link:label id="lab_us-gaap_PreferredStockDividendRatePerDollarAmount_8599ffe6-a583-438b-a5eb-b957cd843610_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendRatePerDollarAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred stock dividend rate (in dollars per share)</link:label>
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    <link:label id="lab_slm_DebtSecuritiesAvailableForSaleNumberOfPositions_044ff26e-febb-4847-a8ba-f1953b6f9e54_terseLabel_en-US" xlink:label="lab_slm_DebtSecuritiesAvailableForSaleNumberOfPositions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of mortgage-backed securities</link:label>
    <link:label id="lab_slm_DebtSecuritiesAvailableForSaleNumberOfPositions_label_en-US" xlink:label="lab_slm_DebtSecuritiesAvailableForSaleNumberOfPositions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Securities, Available-for-sale, Number of Positions</link:label>
    <link:label id="lab_slm_DebtSecuritiesAvailableForSaleNumberOfPositions_documentation_en-US" xlink:label="lab_slm_DebtSecuritiesAvailableForSaleNumberOfPositions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Securities, Available-for-sale, Number of Positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtSecuritiesAvailableForSaleNumberOfPositions" xlink:href="slm-20211231.xsd#slm_DebtSecuritiesAvailableForSaleNumberOfPositions"/>
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    <link:label id="lab_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_060fe1a3-bfbb-44b2-9a4c-d96808ea904c_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Schedule of Fair Value Hedging Instruments, Statements of Financial Performance and Financial Position, Location</link:label>
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    <link:label id="lab_slm_AllowanceForCreditCardLoansPolicyTextBlock_f4e67967-1108-4fdd-9d56-82b846b6c393_terseLabel_en-US" xlink:label="lab_slm_AllowanceForCreditCardLoansPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance For Credit Card Loans</link:label>
    <link:label id="lab_slm_AllowanceForCreditCardLoansPolicyTextBlock_label_en-US" xlink:label="lab_slm_AllowanceForCreditCardLoansPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance For Credit Card Loans [Policy Text Block]</link:label>
    <link:label id="lab_slm_AllowanceForCreditCardLoansPolicyTextBlock_documentation_en-US" xlink:label="lab_slm_AllowanceForCreditCardLoansPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance For Credit Card Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForCreditCardLoansPolicyTextBlock" xlink:href="slm-20211231.xsd#slm_AllowanceForCreditCardLoansPolicyTextBlock"/>
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    <link:label id="lab_us-gaap_RetirementPlanNameDomain_880e135e-3dc6-42e5-9025-7989bff2652d_terseLabel_en-US" xlink:label="lab_us-gaap_RetirementPlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retirement Plan Name [Domain]</link:label>
    <link:label id="lab_us-gaap_RetirementPlanNameDomain_label_en-US" xlink:label="lab_us-gaap_RetirementPlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retirement Plan Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetirementPlanNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetirementPlanNameDomain" xlink:to="lab_us-gaap_RetirementPlanNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FICOscore670699Member_71672004-f3b9-497b-8573-27f03429b911_terseLabel_en-US" xlink:label="lab_slm_FICOscore670699Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">FICO score 670-699</link:label>
    <link:label id="lab_slm_FICOscore670699Member_label_en-US" xlink:label="lab_slm_FICOscore670699Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">FICO score 670-699 [Member]</link:label>
    <link:label id="lab_slm_FICOscore670699Member_documentation_en-US" xlink:label="lab_slm_FICOscore670699Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">FICO score 670-699 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FICOscore670699Member" xlink:href="slm-20211231.xsd#slm_FICOscore670699Member"/>
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    <link:label id="lab_slm_PercentageofLoansheldinstate_f2cf3c21-fd22-44bf-aaee-4f5a439d62e0_terseLabel_en-US" xlink:label="lab_slm_PercentageofLoansheldinstate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of Loans held in state</link:label>
    <link:label id="lab_slm_PercentageofLoansheldinstate_label_en-US" xlink:label="lab_slm_PercentageofLoansheldinstate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of Loans held in state</link:label>
    <link:label id="lab_slm_PercentageofLoansheldinstate_documentation_en-US" xlink:label="lab_slm_PercentageofLoansheldinstate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of Loans held in state</link:label>
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    <link:label id="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_a61530aa-1e09-4aae-8258-3dc45848ce35_terseLabel_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Abstract]</link:label>
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    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear_28d412f4-98ba-42a2-939b-18befaac720d_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total accrued interest by origination vintage, Year 3</link:label>
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    <link:label id="lab_us-gaap_PreferredStockValueOutstanding_13874ea0-57b2-4ddf-8ce3-998bada91409_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockValueOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Series B: 2.5 million and 2.5 million shares issued, respectively, at stated value of $100 per share</link:label>
    <link:label id="lab_us-gaap_PreferredStockValueOutstanding_label_en-US" xlink:label="lab_us-gaap_PreferredStockValueOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred Stock, Value, Outstanding</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockValueOutstanding" xlink:to="lab_us-gaap_PreferredStockValueOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_a9c494e8-fac4-4275-b0a2-e7e803802b2e_terseLabel_en-US" xlink:label="lab_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total earning assets, difference</link:label>
    <link:label id="lab_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_label_en-US" xlink:label="lab_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets, Fair Value Disclosure, Difference Between Carrying Value and Fair Value</link:label>
    <link:label id="lab_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_documentation_en-US" xlink:label="lab_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets, Fair Value Disclosure, Difference Between Carrying Value and Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:href="slm-20211231.xsd#slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:to="lab_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_InterestRateReductionPercentage_a944b435-d195-40ee-ba52-562bdbc98601_terseLabel_en-US" xlink:label="lab_slm_InterestRateReductionPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate reduction</link:label>
    <link:label id="lab_slm_InterestRateReductionPercentage_label_en-US" xlink:label="lab_slm_InterestRateReductionPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Rate Reduction, Percentage</link:label>
    <link:label id="lab_slm_InterestRateReductionPercentage_documentation_en-US" xlink:label="lab_slm_InterestRateReductionPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Rate Reduction, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestRateReductionPercentage" xlink:href="slm-20211231.xsd#slm_InterestRateReductionPercentage"/>
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    <link:label id="lab_us-gaap_LineOfCreditFacilityIncreaseDecreaseForPeriodNet_c6bb4627-67e2-40dd-b987-3663c53f66d0_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityIncreaseDecreaseForPeriodNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Borrowing limit increase</link:label>
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    <link:label id="lab_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities_f6ea89d9-dbc4-4e29-a17a-bc9edacdaaf7_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net unrealized losses</link:label>
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    <link:label id="lab_us-gaap_FairValueByLiabilityClassAxis_d599158c-ee4e-4e65-9692-c3e9eb04c518_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByLiabilityClassAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Liability Class [Axis]</link:label>
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    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2021BMember_c25d2e10-63cb-4a2f-be55-35a7f1d7e20f_terseLabel_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2021BMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2021-B</link:label>
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    <link:label id="lab_slm_CosignerMember_7cbc2274-c98e-4c29-8e4f-54c1ddb351cd_terseLabel_en-US" xlink:label="lab_slm_CosignerMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cosigners</link:label>
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    <link:label id="lab_slm_CosignerMember_documentation_en-US" xlink:label="lab_slm_CosignerMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cosigner credit quality indicators that are developed and used internally by the company.</link:label>
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    <link:label id="lab_us-gaap_ProvisionForLoanLossesExpensed_9fb20d20-ecd3-4b13-8e7f-ad3347340d21_terseLabel_en-US" xlink:label="lab_us-gaap_ProvisionForLoanLossesExpensed" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provision for current period</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProvisionForLoanLossesExpensed" xlink:to="lab_us-gaap_ProvisionForLoanLossesExpensed" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue_75abb9ab-8536-4b30-832f-e1effab20c52_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair value of shares vested</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_30747906-152a-41de-9b82-42e0fea5181f_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Granted (in dollars per share)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentsAbstract_e7c34f7a-97f6-4e42-9aa4-77cd5c927af3_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Outstanding</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentsAbstract_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Instruments [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentsAbstract" xlink:to="lab_us-gaap_DebtInstrumentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansOriginatedInCurrentFiscalYear_ec454e58-bf26-41b9-8c0e-33dde3cc91ff_terseLabel_en-US" xlink:label="lab_slm_LoansOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans, Year 1</link:label>
    <link:label id="lab_slm_LoansOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_LoansOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans, Originated In Current Fiscal Year</link:label>
    <link:label id="lab_slm_LoansOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans, Originated In Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedInCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_LoansOriginatedInCurrentFiscalYear"/>
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    <link:label id="lab_slm_TenderOfferMember_a1d02888-939d-4589-ab15-7bdf55f30a34_terseLabel_en-US" xlink:label="lab_slm_TenderOfferMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tender Offer</link:label>
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    <link:label id="lab_slm_TenderOfferMember_documentation_en-US" xlink:label="lab_slm_TenderOfferMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TenderOfferMember" xlink:href="slm-20211231.xsd#slm_TenderOfferMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_TenderOfferMember" xlink:to="lab_slm_TenderOfferMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareRepurchaseProgramDomain_661e360d-947f-4a44-97c3-050badbcb86f_terseLabel_en-US" xlink:label="lab_us-gaap_ShareRepurchaseProgramDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share Repurchase Program [Domain]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareRepurchaseProgramDomain" xlink:to="lab_us-gaap_ShareRepurchaseProgramDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditFacilityDomain_57414def-ce06-4d5c-af73-f62b0cb73587_terseLabel_en-US" xlink:label="lab_us-gaap_CreditFacilityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit Facility [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CreditFacilityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditFacilityDomain" xlink:to="lab_us-gaap_CreditFacilityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsAbstract_64e9f4b7-f0dd-4884-bbfa-c3bcc486b9e3_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_us-gaap_AssetsAbstract_a6e474dd-7e14-4cae-9844-9ae0d70df590_verboseLabel_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_us-gaap_AssetsAbstract_label_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets [Abstract]</link:label>
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    <link:label id="lab_us-gaap_RelatedPartyTransactionsAbstract_5e144466-1ed3-49bc-8130-672b4403ac26_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Related Party Transactions [Abstract]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionsAbstract" xlink:to="lab_us-gaap_RelatedPartyTransactionsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_97cfa67d-1a3a-4d1b-be00-0dc475567dc7_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stated maturity, 2024</link:label>
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    <link:label id="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments_465a5384-f388-4e62-b384-a56d25552bb0_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total carrying value of LIHTC investments</link:label>
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    <link:label id="lab_slm_Netproceedsfromsalesofstudentloansheldforinvestment_079e3f9a-eaf4-4a0a-936b-3acf5ba19b1b_terseLabel_en-US" xlink:label="lab_slm_Netproceedsfromsalesofstudentloansheldforinvestment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net proceeds from sales of loans held for investment</link:label>
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    <link:label id="lab_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance_85e885fc-484a-4a99-b61f-f862d5be5765_terseLabel_en-US" xlink:label="lab_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Asset balance related to securitization trust (as a percentage)</link:label>
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    <link:label id="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_0a5b6866-47ea-4282-8791-271c0558aab2_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Related Party [Axis]</link:label>
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    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense_05f35ce8-e6a5-4247-90bc-509754fca04d_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest on income tax expense net of related tax benefit</link:label>
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    <link:label id="lab_slm_FICOscorelessthan670Member_c0673de0-dd83-49a5-b629-68d51a1957b2_terseLabel_en-US" xlink:label="lab_slm_FICOscorelessthan670Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">FICO score less than 670</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_cea245a5-ddad-4d33-a71e-7c80422cd405_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance for credit losses</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_aab42093-2115-4b89-99db-f7543b20e615_negatedLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance for credit losses</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_0a53febd-74ab-45f7-8372-bb6f9a98ed00_periodStartLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_d884fe58-a9d0-4fc1-b481-7270f5b3656d_periodEndLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_6c4a672d-7be5-4163-8aa8-881df7156a53_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans allowance for losses</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_9dd20057-5185-490e-b3ef-38bc6be03ae4_verboseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance for credit losses on loans and leases</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest</link:label>
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    <link:label id="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_82239098-291e-431e-bb5e-dab9c0b9f49b_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common stock repurchased and cancelled</link:label>
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    <link:label id="lab_us-gaap_SecuredDebtMember_60a0e66e-0429-41a2-b3a3-38864f8f0fd5_terseLabel_en-US" xlink:label="lab_us-gaap_SecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured borrowings</link:label>
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    <link:label id="lab_slm_LoansBeforeAllowanceForCreditLoss_4fcc8ce3-60f7-475a-ab46-c4b26b8ca28e_totalLabel_en-US" xlink:label="lab_slm_LoansBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans</link:label>
    <link:label id="lab_slm_LoansBeforeAllowanceForCreditLoss_label_en-US" xlink:label="lab_slm_LoansBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans, Before Allowance For Credit Loss</link:label>
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    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_50eaf985-1284-4219-88c2-388b165fafd0_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current period gross charge-offs, Year 6</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_7a0ce61d-ceea-4ac6-9159-5c73295e9075_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ninety or more days delinquent</link:label>
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    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_1aafc703-5ca8-4038-9285-deceba4026ca_terseLabel_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 2</link:label>
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    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_f4dd0f8f-349d-4539-8850-85e193e161fa_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current period net charge-offs, Year 3</link:label>
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    <link:label id="lab_slm_A2019ShareRepurchaseProgramMember_dc3f4fb5-05ad-4fbc-bcd9-88a3f62f2811_terseLabel_en-US" xlink:label="lab_slm_A2019ShareRepurchaseProgramMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2019 Share Repurchase Program</link:label>
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    <link:label id="lab_us-gaap_ProvisionForDoubtfulAccounts_dab1d905-d485-494f-be70-b3ecb530598a_terseLabel_en-US" xlink:label="lab_us-gaap_ProvisionForDoubtfulAccounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for credit losses</link:label>
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    <link:label id="lab_us-gaap_NoninterestIncomeAbstract_481664fe-d769-4119-9a37-6ab8d22425a4_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Non-interest income:</link:label>
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    <link:label id="lab_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy_2eabf47b-cd3c-4117-b10e-8e4dc84c4d94_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Investments</link:label>
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    <link:label id="lab_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment_1537a22c-b2bd-48ef-b7ea-fd852cd21671_verboseLabel_en-US" xlink:label="lab_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average loans in repayment</link:label>
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    <link:label id="lab_us-gaap_AssetsFairValueDisclosure_9ff8d0aa-4812-4181-a16d-51a4bccdede3_totalLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total</link:label>
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    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_4e218f9d-a6be-42f8-845c-e734c794d364_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair Value by Liability Class [Domain]</link:label>
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    <link:label id="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_98924522-b0f3-479f-85da-68f04a32c793_totalLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net interest income after provisions for credit losses</link:label>
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    <link:label id="lab_slm_LoansSubjectToInterestRateReductionsPercent_1a78d5a6-b2e5-47ca-a94a-b0b4afb8a0f5_terseLabel_en-US" xlink:label="lab_slm_LoansSubjectToInterestRateReductionsPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans currently in repayment status that were subject to interest rate reductions</link:label>
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    <link:label id="lab_us-gaap_ShorttermDebtAverageOutstandingAmount_d6c98612-0f97-4158-b97d-101fe2011f53_terseLabel_en-US" xlink:label="lab_us-gaap_ShorttermDebtAverageOutstandingAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average Balance</link:label>
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    <link:label id="lab_srt_MinimumMember_eca97722-a30d-4333-bd5c-2fb1ac51711c_terseLabel_en-US" xlink:label="lab_srt_MinimumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Minimum</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NumberofCompensationPlans" xlink:to="lab_slm_NumberofCompensationPlans" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepayment_d97b4f1e-965a-4f61-a972-e763355c369a_verboseLabel_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, total</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepayment_label_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepayment_documentation_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Delinquencies as a percentage of loans in repayment.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepayment" xlink:href="slm-20211231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepayment"/>
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    <link:label id="lab_us-gaap_PreferredStockSharesAuthorized_f12fe45e-9056-4901-8336-0c9baf73c373_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred stock, shares authorized (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesAuthorized_label_en-US" xlink:label="lab_us-gaap_PreferredStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred Stock, Shares Authorized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockSharesAuthorized"/>
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    <link:label id="lab_us-gaap_CashAndCashEquivalentsDisclosureTextBlock_101859d3-bbc0-4747-a553-ef4f4cafdfe4_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and Cash Equivalents</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and Cash Equivalents Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsDisclosureTextBlock" xlink:to="lab_us-gaap_CashAndCashEquivalentsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CumulativeEffectPeriodOfAdoptionAxis_31c1d695-a1a6-46bc-89bc-d5db2212bd63_terseLabel_en-US" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cumulative Effect, Period of Adoption [Axis]</link:label>
    <link:label id="lab_srt_CumulativeEffectPeriodOfAdoptionAxis_label_en-US" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cumulative Effect, Period of Adoption [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAxis" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CumulativeEffectPeriodOfAdoptionAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionAxis" xlink:to="lab_srt_CumulativeEffectPeriodOfAdoptionAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_4265c5b6-eb2b-4854-9e21-fc948dcfd452_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated Fair Value</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositMoneyMarket_eef46afe-d1bf-4e73-87a0-557bf2c7a094_terseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositMoneyMarket" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Money market</link:label>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositMoneyMarket_label_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositMoneyMarket" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest-bearing Domestic Deposit, Money Market</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositMoneyMarket" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestBearingDomesticDepositMoneyMarket"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestBearingDomesticDepositMoneyMarket" xlink:to="lab_us-gaap_InterestBearingDomesticDepositMoneyMarket" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments_86442db5-67f8-4cfb-9c62-90663577b775_terseLabel_en-US" xlink:label="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provision/New commitments - net</link:label>
    <link:label id="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments_label_en-US" xlink:label="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability, Additional Commitments</link:label>
    <link:label id="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments_documentation_en-US" xlink:label="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability, Additional Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" xlink:href="slm-20211231.xsd#slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" xlink:to="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_e9ef9632-c9d4-4282-8685-e5bbc4281874_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stated maturity, 2025</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-Term Debt, Maturity, Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues_a3d3ec47-1a32-445c-8620-c62b9d73f6c3_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issuance of common shares</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stock Issued During Period, Value, New Issues</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:to="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInRepaymentCurrentInPercentage_c9d3aba8-153c-49cf-bade-3f99637e46bf_terseLabel_en-US" xlink:label="lab_slm_LoansInRepaymentCurrentInPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans current, in percentage</link:label>
    <link:label id="lab_slm_LoansInRepaymentCurrentInPercentage_label_en-US" xlink:label="lab_slm_LoansInRepaymentCurrentInPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans In Repayment Current In Percentage</link:label>
    <link:label id="lab_slm_LoansInRepaymentCurrentInPercentage_documentation_en-US" xlink:label="lab_slm_LoansInRepaymentCurrentInPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans in repayment current in percentage.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentCurrentInPercentage" xlink:href="slm-20211231.xsd#slm_LoansInRepaymentCurrentInPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInRepaymentCurrentInPercentage" xlink:to="lab_slm_LoansInRepaymentCurrentInPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_6c943598-b1c8-4d85-9743-0b5c0074e1bc_terseLabel_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Income Recognized</link:label>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_label_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impaired Financing Receivable, Interest Income, Cash Basis Method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:to="lab_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_A2020ShareRepurchaseProgramMember_9aa32660-82dd-45d7-bd44-6db0d83463f8_terseLabel_en-US" xlink:label="lab_slm_A2020ShareRepurchaseProgramMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2020 Share Repurchase Program</link:label>
    <link:label id="lab_slm_A2020ShareRepurchaseProgramMember_label_en-US" xlink:label="lab_slm_A2020ShareRepurchaseProgramMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2020 Share Repurchase Program [Member]</link:label>
    <link:label id="lab_slm_A2020ShareRepurchaseProgramMember_documentation_en-US" xlink:label="lab_slm_A2020ShareRepurchaseProgramMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2020 Share Repurchase Program</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2020ShareRepurchaseProgramMember" xlink:href="slm-20211231.xsd#slm_A2020ShareRepurchaseProgramMember"/>
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    <link:label id="lab_us-gaap_DebtDisclosureTextBlock_3f128e22-abba-4269-976d-26262c6e3046_terseLabel_en-US" xlink:label="lab_us-gaap_DebtDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Borrowings</link:label>
    <link:label id="lab_us-gaap_DebtDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_DebtDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtDisclosureTextBlock" xlink:to="lab_us-gaap_DebtDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_74d2403d-11db-4b3b-b219-ebc59365a340_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Components of provision for income tax expense (benefit)</link:label>
    <link:label id="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"/>
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    <link:label id="lab_slm_CreditQualityIndicatorsDomain_9e164e4c-5d2e-4d31-a82b-d5b1c105c1be_terseLabel_en-US" xlink:label="lab_slm_CreditQualityIndicatorsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit Quality Indicators [Domain]</link:label>
    <link:label id="lab_slm_CreditQualityIndicatorsDomain_label_en-US" xlink:label="lab_slm_CreditQualityIndicatorsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit Quality Indicators [Domain]</link:label>
    <link:label id="lab_slm_CreditQualityIndicatorsDomain_documentation_en-US" xlink:label="lab_slm_CreditQualityIndicatorsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit Quality Indicators [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditQualityIndicatorsDomain" xlink:href="slm-20211231.xsd#slm_CreditQualityIndicatorsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CreditQualityIndicatorsDomain" xlink:to="lab_slm_CreditQualityIndicatorsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_c36ea1fe-5bf1-437f-8ece-3cd1b8f69fe0_terseLabel_en-US" xlink:label="lab_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Provisions for unfunded loan commitments</link:label>
    <link:label id="lab_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_label_en-US" xlink:label="lab_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Off-Balance Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" xlink:to="lab_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate_3be6b7b7-def7-4117-b294-69714a25d1ca_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of discount available to employees under ESPP</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Discount from Market Price, Offering Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_19d12a4e-50ed-4e3c-8350-b0836f794884_terseLabel_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stock-Based Compensation Plans and Arrangements</link:label>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_label_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share-based Payment Arrangement [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:to="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel3Member_72ba90aa-6fee-466a-b497-ce419bea60e7_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Level&#160;3&#160;</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel3Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair Value, Inputs, Level 3 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel3Member" xlink:to="lab_us-gaap_FairValueInputsLevel3Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsOfDividendsCommonStock_b3da835a-5751-4f0d-9c23-dfb135db51fd_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common stock dividends paid</link:label>
    <link:label id="lab_us-gaap_PaymentsOfDividendsCommonStock_label_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Payments of Ordinary Dividends, Common Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsOfDividendsCommonStock" xlink:to="lab_us-gaap_PaymentsOfDividendsCommonStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditLossFinancialInstrumentTextBlock_b2c1df6f-19ca-4436-b2a9-41819daa4852_terseLabel_en-US" xlink:label="lab_us-gaap_CreditLossFinancialInstrumentTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unfunded Loan Commitments</link:label>
    <link:label id="lab_us-gaap_CreditLossFinancialInstrumentTextBlock_label_en-US" xlink:label="lab_us-gaap_CreditLossFinancialInstrumentTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit Loss, Financial Instrument [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossFinancialInstrumentTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CreditLossFinancialInstrumentTextBlock"/>
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    <link:label id="lab_slm_AuditInformationAbstract_label_en-US" xlink:label="lab_slm_AuditInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Audit Information [Abstract]</link:label>
    <link:label id="lab_slm_AuditInformationAbstract_documentation_en-US" xlink:label="lab_slm_AuditInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Audit Information [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AuditInformationAbstract" xlink:href="slm-20211231.xsd#slm_AuditInformationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AuditInformationAbstract" xlink:to="lab_slm_AuditInformationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ProceedsfromClaimpayments_8362ccff-0cc6-42fb-b13a-f5d18704a27c_terseLabel_en-US" xlink:label="lab_slm_ProceedsfromClaimpayments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from claim payments</link:label>
    <link:label id="lab_slm_ProceedsfromClaimpayments_label_en-US" xlink:label="lab_slm_ProceedsfromClaimpayments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from Claim payments</link:label>
    <link:label id="lab_slm_ProceedsfromClaimpayments_documentation_en-US" xlink:label="lab_slm_ProceedsfromClaimpayments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from Claim payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ProceedsfromClaimpayments" xlink:href="slm-20211231.xsd#slm_ProceedsfromClaimpayments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ProceedsfromClaimpayments" xlink:to="lab_slm_ProceedsfromClaimpayments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues_f8339758-463d-49c3-a496-fb4253ef325b_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issuance of common shares (in shares)</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues_85cd4981-d488-4d23-9f45-d095a532d404_verboseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common shares issued (in shares)</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stock Issued During Period, Shares, New Issues</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DenominatorAbstract_8db0a36c-a483-462e-88ac-01bdf392a723_terseLabel_en-US" xlink:label="lab_slm_DenominatorAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Denominator:</link:label>
    <link:label id="lab_slm_DenominatorAbstract_label_en-US" xlink:label="lab_slm_DenominatorAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Denominator [Abstract]</link:label>
    <link:label id="lab_slm_DenominatorAbstract_documentation_en-US" xlink:label="lab_slm_DenominatorAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Denominator [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DenominatorAbstract" xlink:href="slm-20211231.xsd#slm_DenominatorAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DenominatorAbstract" xlink:to="lab_slm_DenominatorAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_RetailandOtherDeposits_d97b9252-051e-42cb-b1f7-6c5d3914052f_terseLabel_en-US" xlink:label="lab_slm_RetailandOtherDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retail and other deposits</link:label>
    <link:label id="lab_slm_RetailandOtherDeposits_label_en-US" xlink:label="lab_slm_RetailandOtherDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retail and Other Deposits</link:label>
    <link:label id="lab_slm_RetailandOtherDeposits_documentation_en-US" xlink:label="lab_slm_RetailandOtherDeposits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Retail and Other Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_RetailandOtherDeposits" xlink:href="slm-20211231.xsd#slm_RetailandOtherDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_RetailandOtherDeposits" xlink:to="lab_slm_RetailandOtherDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PrivateEducationLoanSecuritizationMember_6abac78c-0023-4876-860e-64c1029dfb9a_terseLabel_en-US" xlink:label="lab_slm_PrivateEducationLoanSecuritizationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loan term securitizations:</link:label>
    <link:label id="lab_slm_PrivateEducationLoanSecuritizationMember_7537d330-647c-43df-bc31-0c37ec02deab_verboseLabel_en-US" xlink:label="lab_slm_PrivateEducationLoanSecuritizationMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loan term securitizations</link:label>
    <link:label id="lab_slm_PrivateEducationLoanSecuritizationMember_label_en-US" xlink:label="lab_slm_PrivateEducationLoanSecuritizationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loan Securitization [Member]</link:label>
    <link:label id="lab_slm_PrivateEducationLoanSecuritizationMember_documentation_en-US" xlink:label="lab_slm_PrivateEducationLoanSecuritizationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loan Securitization [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoanSecuritizationMember" xlink:href="slm-20211231.xsd#slm_PrivateEducationLoanSecuritizationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PrivateEducationLoanSecuritizationMember" xlink:to="lab_slm_PrivateEducationLoanSecuritizationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PeriodofLoansPastDueThatHaveAccruedInterest_5d7d638e-a8c1-41b7-891d-819d7f08d2c1_terseLabel_en-US" xlink:label="lab_slm_PeriodofLoansPastDueThatHaveAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period of loans past due that have accrued interest</link:label>
    <link:label id="lab_slm_PeriodofLoansPastDueThatHaveAccruedInterest_label_en-US" xlink:label="lab_slm_PeriodofLoansPastDueThatHaveAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period of Loans Past Due That Have Accrued Interest</link:label>
    <link:label id="lab_slm_PeriodofLoansPastDueThatHaveAccruedInterest_documentation_en-US" xlink:label="lab_slm_PeriodofLoansPastDueThatHaveAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period of Loans Past Due That Have Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PeriodofLoansPastDueThatHaveAccruedInterest" xlink:href="slm-20211231.xsd#slm_PeriodofLoansPastDueThatHaveAccruedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PeriodofLoansPastDueThatHaveAccruedInterest" xlink:to="lab_slm_PeriodofLoansPastDueThatHaveAccruedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialAssetNotPastDueMember_fe6b6b3b-3477-4ec3-8c19-0d42a01e846c_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loan delinquent, current</link:label>
    <link:label id="lab_us-gaap_FinancialAssetNotPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Asset, Not Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialAssetNotPastDueMember" xlink:to="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingencies_6dc03406-7e3d-494b-86ca-2a9ca2999c33_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingencies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commitments and contingencies</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingencies_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingencies" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Commitments and Contingencies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingencies" xlink:to="lab_us-gaap_CommitmentsAndContingencies" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockValueAcquiredParValueMethod_75c8afcf-bf30-47b0-970a-5175e120805d_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockValueAcquiredParValueMethod" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common stock repurchased</link:label>
    <link:label id="lab_us-gaap_TreasuryStockValueAcquiredParValueMethod_226f6e40-cfca-4a74-bd5f-ba7133be315e_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockValueAcquiredParValueMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repurchase amount (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockValueAcquiredParValueMethod_label_en-US" xlink:label="lab_us-gaap_TreasuryStockValueAcquiredParValueMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury Stock, Value, Acquired, Par Value Method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredParValueMethod" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TreasuryStockValueAcquiredParValueMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockValueAcquiredParValueMethod" xlink:to="lab_us-gaap_TreasuryStockValueAcquiredParValueMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2049Member_80a4b218-deb9-4cfa-bf3a-9d044cd9706c_terseLabel_en-US" xlink:label="lab_slm_Maturity2049Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2049</link:label>
    <link:label id="lab_slm_Maturity2049Member_label_en-US" xlink:label="lab_slm_Maturity2049Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2049 [Member]</link:label>
    <link:label id="lab_slm_Maturity2049Member_documentation_en-US" xlink:label="lab_slm_Maturity2049Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2049 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2049Member" xlink:href="slm-20211231.xsd#slm_Maturity2049Member"/>
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    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_c40fd302-8a9e-4e55-b98a-5145948228ae_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated other comprehensive loss (net of tax benefit of $(5,707) and $(10,908), respectively)</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_6719a258-3843-45ae-ac87-49b9231e123f_verboseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated other comprehensive loss (net of tax benefit of $(5,707) and $(10,908), respectively)</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_39b7ccdf-af86-4d25-8574-45c9777e2493_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_label_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityEmergingGrowthCompany" xlink:to="lab_dei_EntityEmergingGrowthCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear_56c824da-fb1c-44c3-a4ea-53db73121a55_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total accrued interest by origination vintage, Year 2</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Accrued Interest, Origination Vintage, Originated in Fiscal Year before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Accrued Interest, Origination Vintage, Originated in Fiscal Year before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansinNonaccrualStatus_b0ca4ddc-2b20-4f82-b2a5-96879547e633_terseLabel_en-US" xlink:label="lab_slm_LoansinNonaccrualStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans in nonaccrual status</link:label>
    <link:label id="lab_slm_LoansinNonaccrualStatus_label_en-US" xlink:label="lab_slm_LoansinNonaccrualStatus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans in Nonaccrual Status</link:label>
    <link:label id="lab_slm_LoansinNonaccrualStatus_documentation_en-US" xlink:label="lab_slm_LoansinNonaccrualStatus" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans in Nonaccrual Status</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansinNonaccrualStatus" xlink:href="slm-20211231.xsd#slm_LoansinNonaccrualStatus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansinNonaccrualStatus" xlink:to="lab_slm_LoansinNonaccrualStatus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RestrictedStockMember_84a6f42a-56b6-47cb-9db5-8bb37544f056_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted Stock</link:label>
    <link:label id="lab_us-gaap_RestrictedStockMember_label_en-US" xlink:label="lab_us-gaap_RestrictedStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restricted Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedStockMember" xlink:to="lab_us-gaap_RestrictedStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_dba22057-85db-446e-bd73-36026f72101e_terseLabel_en-US" xlink:label="lab_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Defined Contribution Plans</link:label>
    <link:label id="lab_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_label_en-US" xlink:label="lab_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Compensation and Employee Benefit Plans [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CompensationAndEmployeeBenefitPlansTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:to="lab_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsOfDebtIssuanceCosts_1df89154-ec35-40eb-ac49-506f3b7594bd_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfDebtIssuanceCosts" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issuance costs for collateralized borrowings and unsecured debt offering</link:label>
    <link:label id="lab_us-gaap_PaymentsOfDebtIssuanceCosts_label_en-US" xlink:label="lab_us-gaap_PaymentsOfDebtIssuanceCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Payments of Debt Issuance Costs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsOfDebtIssuanceCosts" xlink:to="lab_us-gaap_PaymentsOfDebtIssuanceCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReceivablesAbstract_f4ac4ae3-7777-4a41-bca6-2d926b84e3fa_terseLabel_en-US" xlink:label="lab_us-gaap_ReceivablesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Receivables [Abstract]</link:label>
    <link:label id="lab_us-gaap_ReceivablesAbstract_label_en-US" xlink:label="lab_us-gaap_ReceivablesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Receivables [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ReceivablesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReceivablesAbstract" xlink:to="lab_us-gaap_ReceivablesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountingStandardsUpdate201613Member_9eaa4f25-bd1b-404f-8841-b805cabc2e4d_terseLabel_en-US" xlink:label="lab_us-gaap_AccountingStandardsUpdate201613Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting Standards Update 2016-13</link:label>
    <link:label id="lab_us-gaap_AccountingStandardsUpdate201613Member_label_en-US" xlink:label="lab_us-gaap_AccountingStandardsUpdate201613Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting Standards Update 2016-13 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingStandardsUpdate201613Member" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountingStandardsUpdate201613Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountingStandardsUpdate201613Member" xlink:to="lab_us-gaap_AccountingStandardsUpdate201613Member" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SallieMaeBankMember_facb5242-9667-4b40-81c9-5676d78f1bde_terseLabel_en-US" xlink:label="lab_slm_SallieMaeBankMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sallie Mae Bank</link:label>
    <link:label id="lab_slm_SallieMaeBankMember_label_en-US" xlink:label="lab_slm_SallieMaeBankMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sallie Mae Bank [Member]</link:label>
    <link:label id="lab_slm_SallieMaeBankMember_documentation_en-US" xlink:label="lab_slm_SallieMaeBankMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sallie Mae Bank [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SallieMaeBankMember" xlink:href="slm-20211231.xsd#slm_SallieMaeBankMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SallieMaeBankMember" xlink:to="lab_slm_SallieMaeBankMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AuditorName_de744a2c-23dc-4598-810e-874eb2df925b_terseLabel_en-US" xlink:label="lab_dei_AuditorName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Auditor Name</link:label>
    <link:label id="lab_dei_AuditorName_label_en-US" xlink:label="lab_dei_AuditorName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Auditor Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorName" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorName" xlink:to="lab_dei_AuditorName" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_e62049ff-343f-4f16-9aaa-edbf7322fbe8_terseLabel_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cover page.</link:label>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CoverAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_7802ca81-febb-4415-9608-71da2ab2b231_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans in forbearance, Year 4</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Loans In Forbearance, Year Four, Originated, Three Years before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Loans In Forbearance, Year Four, Originated, Three Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_6de8d3d2-b8d8-4bd4-b9b4-797c41b87b92_terseLabel_en-US" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cumulative Effect, Period Of Adoption, Adjusted Balance</link:label>
    <link:label id="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_label_en-US" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cumulative Effect, Period of Adoption, Adjusted Balance [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember" xlink:to="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss_f9496ae1-7a32-4aef-8d07-58f2fdf70e3f_terseLabel_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of Private Education Loans in repayment</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss_label_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage Of Loans In Repayment, Before Allowance For Credit Loss</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss_documentation_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage Of Loans In Repayment, Before Allowance For Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" xlink:href="slm-20211231.xsd#slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" xlink:to="lab_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock_2840a05d-a4de-488f-8883-cf2bae7be277_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and Cash Equivalents</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash and Cash Equivalents, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:to="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockShares_62d1b434-45a8-4425-b520-cd94ac378392_verboseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockShares" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common stock held in treasury (in shares)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockShares_cbb174fc-6464-4cd1-bf5d-2b8285e993a3_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common stock held in treasury (In shares)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockShares_label_en-US" xlink:label="lab_us-gaap_TreasuryStockShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Treasury Stock, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockShares" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TreasuryStockShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockShares" xlink:to="lab_us-gaap_TreasuryStockShares" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtLongtermAndShorttermCombinedAmount_0e790aeb-3df0-4df2-b06d-80244483e814_totalLabel_en-US" xlink:label="lab_us-gaap_DebtLongtermAndShorttermCombinedAmount" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_DebtLongtermAndShorttermCombinedAmount_label_en-US" xlink:label="lab_us-gaap_DebtLongtermAndShorttermCombinedAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt, Long-term and Short-term, Combined Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount" xlink:to="lab_us-gaap_DebtLongtermAndShorttermCombinedAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear_331cc1af-9f1b-4697-9eea-6c67b5d5bce2_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total accrued interest by origination vintage, Year 5</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Accrued interest, Origination Vintage, Originated Four Years before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Accrued interest, Origination Vintage, Originated Four Years before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_012d52f5-0a3f-4ada-b6c6-25a65930383d_verboseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current period recoveries, Year 5</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery, Originated Four Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery, Originated Four Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_CA_d0f9aaf7-7a50-445e-abfe-87e1affb7014_terseLabel_en-US" xlink:label="lab_stpr_CA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">New York</link:label>
    <link:label id="lab_stpr_CA_label_en-US" xlink:label="lab_stpr_CA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">CALIFORNIA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CA" xlink:href="https://xbrl.sec.gov/stpr/2021/stpr-2021.xsd#stpr_CA"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_CA" xlink:to="lab_stpr_CA" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansHeldForSalePolicyTextBlock_08fad009-7298-4cdf-bc70-1259df30c7e7_terseLabel_en-US" xlink:label="lab_slm_LoansHeldForSalePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Held for Sale</link:label>
    <link:label id="lab_slm_LoansHeldForSalePolicyTextBlock_label_en-US" xlink:label="lab_slm_LoansHeldForSalePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Held For Sale [Policy Text Block]</link:label>
    <link:label id="lab_slm_LoansHeldForSalePolicyTextBlock_documentation_en-US" xlink:label="lab_slm_LoansHeldForSalePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Held For Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansHeldForSalePolicyTextBlock" xlink:href="slm-20211231.xsd#slm_LoansHeldForSalePolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansHeldForSalePolicyTextBlock" xlink:to="lab_slm_LoansHeldForSalePolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward_e5ac631e-41bf-498f-a3a8-e9be7f0f9c66_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Company's common stock purchased by ESPP participants (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Shares Purchased for Award</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_53037825-95d6-4287-86d6-d7eee8d05dc8_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Parent only Condensed Statements of Cash Flows</link:label>
    <link:label id="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_label_en-US" xlink:label="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed Cash Flow Statement [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ScheduleOfCondensedCashFlowStatementTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:to="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentAxis_abeaa335-323d-4815-b039-9f46fc7cf613_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentAxis_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentAxis" xlink:to="lab_us-gaap_FinancialInstrumentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShortTermDebtLineItems_aad91a1f-4da6-4f3b-9358-efbfa4a2aec4_terseLabel_en-US" xlink:label="lab_us-gaap_ShortTermDebtLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Short-term Debt [Line Items]</link:label>
    <link:label id="lab_us-gaap_ShortTermDebtLineItems_label_en-US" xlink:label="lab_us-gaap_ShortTermDebtLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Short-term Debt [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShortTermDebtLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermDebtLineItems" xlink:to="lab_us-gaap_ShortTermDebtLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear_fb70420f-9f59-44a6-b5e2-f718b4f47a07_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Year 2</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive_b7ea4b58-cd8c-4d94-9ba6-db9d24287004_terseLabel_en-US" xlink:label="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity to Call Date, 2026</link:label>
    <link:label id="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive_label_en-US" xlink:label="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-Term Debt, Maturity to Call Date, Repayments Of Principal in Year Five</link:label>
    <link:label id="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive_documentation_en-US" xlink:label="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-Term Debt, Maturity to Call Date, Repayments Of Principal in Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive" xlink:href="slm-20211231.xsd#slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive" xlink:to="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedTwoYearsBeforeLatestFiscalYear_cf9f9b52-9f9f-4139-9e58-2a78781986c3_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current period gross charge-offs, Year 3</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedTwoYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, Originated Two Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedTwoYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, Originated Two Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedTwoYearsBeforeLatestFiscalYear"/>
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    <link:label id="lab_us-gaap_Depreciation_ab03ae51-a689-4443-b80e-6f31fde9a3ea_terseLabel_en-US" xlink:label="lab_us-gaap_Depreciation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Depreciation of premises and equipment</link:label>
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    <link:label id="lab_us-gaap_AllowanceForCreditLossesTextBlock_8d834e4f-f656-45f5-abda-31b73b232ad4_terseLabel_en-US" xlink:label="lab_us-gaap_AllowanceForCreditLossesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance for Credit Losses</link:label>
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    <link:label id="lab_us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount_f0f8599a-a572-4525-9378-cf989a2a07da_terseLabel_en-US" xlink:label="lab_us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maximum outstanding at any month end</link:label>
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    <link:label id="lab_us-gaap_PreferredStockLiquidationPreference_85bcf55c-6936-4b80-8d8c-b4ff0c39d427_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockLiquidationPreference" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred stock liquidation preference (in dollars per share)</link:label>
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    <link:label id="lab_us-gaap_IncomeTaxesPaid_5b808859-5ffa-4400-a1fe-9aecb313209e_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxesPaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income taxes paid</link:label>
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    <link:label id="lab_slm_ModifiedLoansAccountsForTroubledDebtRestructuringTableTextBlock_9ceff16d-22ab-43cf-b84c-9374ce0812a3_terseLabel_en-US" xlink:label="lab_slm_ModifiedLoansAccountsForTroubledDebtRestructuringTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Modified loans accounts for troubled debt restructuring</link:label>
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    <link:label id="lab_slm_A2020BMember_documentation_en-US" xlink:label="lab_slm_A2020BMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">2020-B</link:label>
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    <link:label id="lab_us-gaap_DerivativeNotionalAmount_f7db9f14-8fc5-4439-833b-07124393555a_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Notional derivative contracts</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeNotionalAmount" xlink:to="lab_us-gaap_DerivativeNotionalAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest_36429a4a-4ded-499c-8be0-aa7deb4292dd_terseLabel_en-US" xlink:label="lab_slm_NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net proceeds from sales of loans held for investment, capitalized interest</link:label>
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    <link:label id="lab_slm_NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest_documentation_en-US" xlink:label="lab_slm_NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net Proceeds From Sales Of Student Loans Held For Sale, Capitalized Interest</link:label>
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    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear_48427869-59a5-4a1b-abb4-78ab7d44ce00_terseLabel_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans in forbearance as a percentage of loans in repayment and forbearance, Year 4</link:label>
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    <link:label id="lab_slm_AccruedInterestReceivableFairValueDisclosure_f7647daf-5d66-4421-a1c6-0a6cf3a2514c_terseLabel_en-US" xlink:label="lab_slm_AccruedInterestReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accrued interest receivable</link:label>
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    <link:label id="lab_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization_106f9273-06ba-4e4d-a741-fea13d84fcdf_terseLabel_en-US" xlink:label="lab_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private education loan term accounted for as a secured financing</link:label>
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    <link:label id="lab_us-gaap_CreditLossAbstract_label_en-US" xlink:label="lab_us-gaap_CreditLossAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Credit Loss [Abstract]</link:label>
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    <link:label id="lab_slm_LoansInForbearanceMember_8f6772e2-d638-4735-be48-833930686996_terseLabel_en-US" xlink:label="lab_slm_LoansInForbearanceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans In Forbearance</link:label>
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    <link:label id="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_820b9b03-3e98-4306-96f2-318043f516ed_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amount of amortization reported in income tax expense</link:label>
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    <link:label id="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact_6d17270e-26fd-4e96-b989-76dd4f0e25c4_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred stock dividends</link:label>
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    <link:label id="lab_us-gaap_DeferredTaxAssetsNetAbstract_f00c8819-1fb2-4a54-b45a-019dacdd6066_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsNetAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deferred tax assets:</link:label>
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    <link:label id="lab_slm_PrivateEducationLoansAtOrigination_9436d6fe-d6d5-467a-a7ae-8ff44d474400_terseLabel_en-US" xlink:label="lab_slm_PrivateEducationLoansAtOrigination" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans at origination</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansAtOrigination" xlink:href="slm-20211231.xsd#slm_PrivateEducationLoansAtOrigination"/>
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    <link:label id="lab_slm_LoansAndLeasesReceivablePercentageOfLoansInFullAndInterestRepaymentStatusThatAreSubjectToInterestRateReductions_2cbe8e09-6ba9-42f3-a184-ea5c55980871_terseLabel_en-US" xlink:label="lab_slm_LoansAndLeasesReceivablePercentageOfLoansInFullAndInterestRepaymentStatusThatAreSubjectToInterestRateReductions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of loans in full and interest repayment status that are subject to interest rate reductions</link:label>
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    <link:label id="lab_us-gaap_CommonStockSharesIssued_deb1dbf6-5737-4194-95b6-b856576ce378_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common stock, shares issued (in shares)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockSharesIssued"/>
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    <link:label id="lab_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract_4f480d3e-3ed9-49bb-a9e8-a3534bfae570_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred stock, par value $0.20 per share, 20 million shares authorized:</link:label>
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    <link:label id="lab_slm_LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage_39539d6a-cbc8-49a5-8842-f14197202aae_terseLabel_en-US" xlink:label="lab_slm_LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ownership interest percentage on asset-backed financing</link:label>
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    <link:label id="lab_slm_LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage_documentation_en-US" xlink:label="lab_slm_LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Securitized or Asset-Backed Financing Arrangement, Ownership Interest, Percentage</link:label>
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    <link:label id="lab_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrantsFinancialDifficultyStaus_7e068a3a-26e5-4498-b84e-65a8947d0986_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrantsFinancialDifficultyStaus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Period of positive payment performance required by a borrower between successive grants of forbearance, borrowers facing financial difficulty</link:label>
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    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember_59707297-0807-4730-8e4a-b34db6aa8c9f_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">13-24 payments</link:label>
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    <link:label id="lab_us-gaap_ProceedsFromStockOptionsExercised_bde91aa8-3fde-4b0b-9c55-df1ee1479d28_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromStockOptionsExercised" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cash received from option exercises</link:label>
    <link:label id="lab_us-gaap_ProceedsFromStockOptionsExercised_label_en-US" xlink:label="lab_us-gaap_ProceedsFromStockOptionsExercised" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from Stock Options Exercised</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromStockOptionsExercised"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromStockOptionsExercised" xlink:to="lab_us-gaap_ProceedsFromStockOptionsExercised" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear_38888c1d-5674-487a-8782-8ee41da56561_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans in forbearance, Year 6</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Loans In Forbearance, Year Six, Originated, More Than Six Years before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Loans In Forbearance, Year Six, Originated, More Than Six Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear"/>
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    <link:label id="lab_slm_OffBalanceSheetCreditLossLiabilityWriteoff_f537d176-5de5-46f9-839c-cc698de0b2a5_negatedLabel_en-US" xlink:label="lab_slm_OffBalanceSheetCreditLossLiabilityWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Transfer - funded loans</link:label>
    <link:label id="lab_slm_OffBalanceSheetCreditLossLiabilityWriteoff_label_en-US" xlink:label="lab_slm_OffBalanceSheetCreditLossLiabilityWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Off-Balance Sheet, Credit Loss, Liability, Writeoff</link:label>
    <link:label id="lab_slm_OffBalanceSheetCreditLossLiabilityWriteoff_documentation_en-US" xlink:label="lab_slm_OffBalanceSheetCreditLossLiabilityWriteoff" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Off-Balance Sheet, Credit Loss, Liability, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OffBalanceSheetCreditLossLiabilityWriteoff" xlink:href="slm-20211231.xsd#slm_OffBalanceSheetCreditLossLiabilityWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_OffBalanceSheetCreditLossLiabilityWriteoff" xlink:to="lab_slm_OffBalanceSheetCreditLossLiabilityWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear_ab0ca512-c156-4a33-ac5a-418123478f28_terseLabel_en-US" xlink:label="lab_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans, Year 3</link:label>
    <link:label id="lab_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans, Originated Two Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans, Originated Two Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_fb56b855-bc5e-4c8e-9886-a7b76c79cddf_terseLabel_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of Private Education Loans in repayment, Year 1</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage Of Loans In Repayment, Originated In Current Fiscal Year</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage Of Loans In Repayment, Originated In Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear"/>
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    <link:label id="lab_us-gaap_DebtDefaultLongtermDebtAbstract_16498892-5909-4bdd-a4f3-965181773f6e_terseLabel_en-US" xlink:label="lab_us-gaap_DebtDefaultLongtermDebtAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Secured borrowings:</link:label>
    <link:label id="lab_us-gaap_DebtDefaultLongtermDebtAbstract_label_en-US" xlink:label="lab_us-gaap_DebtDefaultLongtermDebtAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Instrument, Debt Default [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDefaultLongtermDebtAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtDefaultLongtermDebtAbstract"/>
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    <link:label id="lab_slm_LongTermDebtMaturityToCallDateRepaymentsOfPrincipalInYearOne_documentation_en-US" xlink:label="lab_slm_LongTermDebtMaturityToCallDateRepaymentsOfPrincipalInYearOne" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-Term Debt, Maturity to Call Date, Repayments Of Principal in Year One</link:label>
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    <link:label id="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_f6832ebe-2198-47e8-bfff-f8d6573cbf83_totalLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total equity</link:label>
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    <link:label id="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_099760ab-0784-46f5-b258-03ac5bccbc37_periodEndLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_label_en-US" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest</link:label>
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    <link:label id="lab_dei_AmendmentFlag_61633149-e5c7-4a3e-8658-0e4d115683a0_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amendment Flag</link:label>
    <link:label id="lab_dei_AmendmentFlag_label_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amendment Flag</link:label>
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    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt_a3c05b6c-2804-46c0-b3a4-554321c79ff7_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Unsecured debt issued</link:label>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt_label_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from Issuance of Unsecured Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromIssuanceOfUnsecuredDebt"/>
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    <link:label id="lab_slm_Maturity2026Member_15cf4404-a064-4acf-b33d-91f48d84525d_terseLabel_en-US" xlink:label="lab_slm_Maturity2026Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2026</link:label>
    <link:label id="lab_slm_Maturity2026Member_label_en-US" xlink:label="lab_slm_Maturity2026Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2026 [Member]</link:label>
    <link:label id="lab_slm_Maturity2026Member_documentation_en-US" xlink:label="lab_slm_Maturity2026Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2026</link:label>
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    <link:label id="lab_us-gaap_PreferredStockParOrStatedValuePerShare_e1d31a6f-665c-44cb-81aa-5af09f68df2e_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred stock, par value/stated value (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockParOrStatedValuePerShare_label_en-US" xlink:label="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred Stock, Par or Stated Value Per Share</link:label>
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    <link:label id="lab_dei_EntityPublicFloat_219c5b40-0c6a-4e97-8655-bfbcb9c67980_terseLabel_en-US" xlink:label="lab_dei_EntityPublicFloat" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Public Float</link:label>
    <link:label id="lab_dei_EntityPublicFloat_label_en-US" xlink:label="lab_dei_EntityPublicFloat" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Public Float</link:label>
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    <link:label id="lab_dei_DocumentsIncorporatedByReferenceTextBlock_64933d87-f7ea-4695-88bb-4d90b759eae6_terseLabel_en-US" xlink:label="lab_dei_DocumentsIncorporatedByReferenceTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Documents Incorporated by Reference</link:label>
    <link:label id="lab_dei_DocumentsIncorporatedByReferenceTextBlock_label_en-US" xlink:label="lab_dei_DocumentsIncorporatedByReferenceTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Documents Incorporated by Reference [Text Block]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentsIncorporatedByReferenceTextBlock" xlink:to="lab_dei_DocumentsIncorporatedByReferenceTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NetIncreaseDecreaseinUpfrontLoanFees_a8929904-6436-4c27-9343-4d0f815aad6e_terseLabel_en-US" xlink:label="lab_slm_NetIncreaseDecreaseinUpfrontLoanFees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fees paid - Secured Borrowing Facility</link:label>
    <link:label id="lab_slm_NetIncreaseDecreaseinUpfrontLoanFees_label_en-US" xlink:label="lab_slm_NetIncreaseDecreaseinUpfrontLoanFees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net Increase (Decrease) in Upfront Loan Fees</link:label>
    <link:label id="lab_slm_NetIncreaseDecreaseinUpfrontLoanFees_documentation_en-US" xlink:label="lab_slm_NetIncreaseDecreaseinUpfrontLoanFees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net Increase (Decrease) in Upfront Loan Fees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetIncreaseDecreaseinUpfrontLoanFees" xlink:href="slm-20211231.xsd#slm_NetIncreaseDecreaseinUpfrontLoanFees"/>
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    <link:label id="lab_us-gaap_StockRepurchasedDuringPeriodShares_1c7ce118-a37d-47ec-b491-79555fb6c5f3_negatedLabel_en-US" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodShares" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repurchase of Preferred Stock, series B (in shares)</link:label>
    <link:label id="lab_us-gaap_StockRepurchasedDuringPeriodShares_00927076-a63b-4ddf-9096-dd0c4c482b03_terseLabel_en-US" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Shares repurchased related to employee stock-based compensation plans (in shares)</link:label>
    <link:label id="lab_us-gaap_StockRepurchasedDuringPeriodShares_label_en-US" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Stock Repurchased During Period, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodShares" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockRepurchasedDuringPeriodShares" xlink:to="lab_us-gaap_StockRepurchasedDuringPeriodShares" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear_54feabb3-4c87-4b9e-b575-16c500b88f9c_terseLabel_en-US" xlink:label="lab_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans, gross, Year 5</link:label>
    <link:label id="lab_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Gross, Originated Four Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Gross, Originated Four Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" xlink:href="slm-20211231.xsd#slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" xlink:to="lab_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne_0c542c41-6d7c-4642-a2d8-99753531cb7e_terseLabel_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage reimbursement on all qualifying default claims period one (as a percentage)</link:label>
    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne_label_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage Reimbursement On All Qualifying Default Claims Period One</link:label>
    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne_documentation_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage reimbursement on all qualifying default claims period one.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" xlink:href="slm-20211231.xsd#slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne"/>
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    <link:label id="lab_us-gaap_InvestmentsAbstract_1c066bc9-0971-465f-b6c6-9a678550536e_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments</link:label>
    <link:label id="lab_us-gaap_InvestmentsAbstract_label_en-US" xlink:label="lab_us-gaap_InvestmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InvestmentsAbstract"/>
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    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_8575170f-c2a6-4d9f-a276-e677e2ab33c0_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans allowance for losses, Year 5</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated Four Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated Four Years Before Current Fiscal Year</link:label>
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    <link:label id="lab_us-gaap_StatementLineItems_a0303ca5-39a1-4f43-a8e8-263a0a09bb3b_terseLabel_en-US" xlink:label="lab_us-gaap_StatementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement [Line Items]</link:label>
    <link:label id="lab_us-gaap_StatementLineItems_label_en-US" xlink:label="lab_us-gaap_StatementLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Statement [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementLineItems" xlink:to="lab_us-gaap_StatementLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_EffectiveTaxRateReconciliationReverseFederalImpactofIndemnificationAdjustments_ff9ade86-5557-483d-9021-aa484b1116e9_terseLabel_en-US" xlink:label="lab_slm_EffectiveTaxRateReconciliationReverseFederalImpactofIndemnificationAdjustments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reverse federal impact of indemnification adjustments</link:label>
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    <link:label id="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_2740886a-d1a6-4034-8639-0ffdcbec3b7f_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:to="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSalesOfAssetsInvestingActivities_c6f01db0-4a0b-452d-8f90-f3d80591a3d9_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSalesOfAssetsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from the sale of Upromise subsidiary, net</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSalesOfAssetsInvestingActivities_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSalesOfAssetsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from Sales of Assets, Investing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSalesOfAssetsInvestingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSalesOfAssetsInvestingActivities"/>
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    <link:label id="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_2f1fd54c-f453-45b7-97f6-ed964dee235b_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private education loan portfolio stratified by key credit quality indicators</link:label>
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    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_ac5ad8ee-e6a0-40e0-b2ec-eb5c82d115bd_terseLabel_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 4</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment, Originated Three Years Before Current Fiscal Year</link:label>
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    <link:label id="lab_slm_PercentageofLoansconcentratedinmajorstates_f613f40d-c5be-4dd9-af7c-c581a4fbb7b2_terseLabel_en-US" xlink:label="lab_slm_PercentageofLoansconcentratedinmajorstates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of loans concentrated in major states</link:label>
    <link:label id="lab_slm_PercentageofLoansconcentratedinmajorstates_e8a64d2b-9812-4c54-846f-c537da6c00c8_totalLabel_en-US" xlink:label="lab_slm_PercentageofLoansconcentratedinmajorstates" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of Loans concentrated in major states</link:label>
    <link:label id="lab_slm_PercentageofLoansconcentratedinmajorstates_label_en-US" xlink:label="lab_slm_PercentageofLoansconcentratedinmajorstates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of Loans concentrated in major states</link:label>
    <link:label id="lab_slm_PercentageofLoansconcentratedinmajorstates_documentation_en-US" xlink:label="lab_slm_PercentageofLoansconcentratedinmajorstates" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of Loans concentrated in major states</link:label>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_7b2cba80-3014-435e-8285-b8cda9ae2736_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Weighted Average Exercise Price&#160;per Share</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]</link:label>
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    <link:label id="lab_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets_066a94fc-1149-4632-8b0c-7531a4834740_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decrease (increase) in other interest-earning assets</link:label>
    <link:label id="lab_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets_label_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Payments for (Proceeds from) Other Interest Earning Assets</link:label>
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    <link:label id="lab_us-gaap_Investments_fa6cec9f-75fa-475d-a663-67b4f1118890_totalLabel_en-US" xlink:label="lab_us-gaap_Investments" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total investments</link:label>
    <link:label id="lab_us-gaap_Investments_label_en-US" xlink:label="lab_us-gaap_Investments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Investments</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Investments" xlink:to="lab_us-gaap_Investments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDerivativesInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_8b6c83f5-3ccb-49ef-b2fc-4cb5c4910320_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativesInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Schedule of derivative instruments performance and location</link:label>
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    <link:label id="lab_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest_216e54e9-e89f-4302-94fd-2ef4acdd2e8c_terseLabel_en-US" xlink:label="lab_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Monthly payment that is smaller than the interest accrued on the loan in that month</link:label>
    <link:label id="lab_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest_label_en-US" xlink:label="lab_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fixed-Pay Loan, Monthly Payment Amount, Below Monthly Accrued Interest</link:label>
    <link:label id="lab_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest_documentation_en-US" xlink:label="lab_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fixed-Pay Loan, Monthly Payment Amount, Below Monthly Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" xlink:href="slm-20211231.xsd#slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" xlink:to="lab_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding_39f67ae0-6857-4f75-9793-dc82bbb0f75e_terseLabel_en-US" xlink:label="lab_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans sold to third parties</link:label>
    <link:label id="lab_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding_label_en-US" xlink:label="lab_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Continuing Involvement with Transferred Financial Assets, Principal Amount Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding"/>
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    <link:label id="lab_slm_LoanStatusInSchoolGraceAndDefermentRecordedInvestment_ceb18d8b-87b5-41d9-bdee-44033b4e998a_verboseLabel_en-US" xlink:label="lab_slm_LoanStatusInSchoolGraceAndDefermentRecordedInvestment" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">TDR loans in in-school/grace/deferment</link:label>
    <link:label id="lab_slm_LoanStatusInSchoolGraceAndDefermentRecordedInvestment_label_en-US" xlink:label="lab_slm_LoanStatusInSchoolGraceAndDefermentRecordedInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loan Status In School Grace And Deferment Recorded Investment</link:label>
    <link:label id="lab_slm_LoanStatusInSchoolGraceAndDefermentRecordedInvestment_documentation_en-US" xlink:label="lab_slm_LoanStatusInSchoolGraceAndDefermentRecordedInvestment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loan status in school grace and deferment recorded investment.</link:label>
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    <link:label id="lab_us-gaap_GainLossOnSaleOfNotesReceivable_60b02693-47f8-4165-9e10-165fc227ba1e_terseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnSaleOfNotesReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains on sales of loans, net</link:label>
    <link:label id="lab_us-gaap_GainLossOnSaleOfNotesReceivable_6202f0f6-de82-41b8-b133-b8959f5c885f_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnSaleOfNotesReceivable" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gains on sale of loans, net</link:label>
    <link:label id="lab_us-gaap_GainLossOnSaleOfNotesReceivable_label_en-US" xlink:label="lab_us-gaap_GainLossOnSaleOfNotesReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gain (Loss) on Sale of Financing Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfNotesReceivable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
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    <link:label id="lab_slm_AmortizationofABCPUpfrontFee_f513b302-aa97-4891-aa37-9e8a2f92a3b6_terseLabel_en-US" xlink:label="lab_slm_AmortizationofABCPUpfrontFee" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortization of Secured Borrowing Facility upfront fee</link:label>
    <link:label id="lab_slm_AmortizationofABCPUpfrontFee_c1b3d55c-582c-4554-a83d-6d35bc329cff_verboseLabel_en-US" xlink:label="lab_slm_AmortizationofABCPUpfrontFee" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortization of unsecured debt upfront fees</link:label>
    <link:label id="lab_slm_AmortizationofABCPUpfrontFee_label_en-US" xlink:label="lab_slm_AmortizationofABCPUpfrontFee" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortization of ABCP Upfront Fee</link:label>
    <link:label id="lab_slm_AmortizationofABCPUpfrontFee_documentation_en-US" xlink:label="lab_slm_AmortizationofABCPUpfrontFee" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amortization of ABCP Upfront Fee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationofABCPUpfrontFee" xlink:href="slm-20211231.xsd#slm_AmortizationofABCPUpfrontFee"/>
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities_ed8cc4e4-9154-4e93-8268-7d3fcac5b6e9_verboseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Available-for-sale investments</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities_41b6638c-60d8-4791-ba28-3feefa18e350_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Estimated Fair Value</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Securities, Available-for-sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
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    <link:label id="lab_us-gaap_FairValueByAssetClassAxis_e92d0f81-0805-4b32-9791-0ecbcf1d3a50_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByAssetClassAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Asset Class [Axis]</link:label>
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    <link:label id="lab_us-gaap_CertificatesOfDepositAtCarryingValue_e3dfdc7d-06dc-4cc9-8140-910fc2fe67da_terseLabel_en-US" xlink:label="lab_us-gaap_CertificatesOfDepositAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Funds on deposit with the FRB</link:label>
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    <link:label id="lab_dei_DocumentAnnualReport_495dd26d-113b-4422-990f-eb57f83f5b08_terseLabel_en-US" xlink:label="lab_dei_DocumentAnnualReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Annual Report</link:label>
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    <link:label id="lab_slm_FinancingReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus_2553ab78-1fc2-45b9-86a5-9c58b5e4109f_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest rate offered to borrowers facing financial difficulty, period</link:label>
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    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossTax_e80ceb06-002e-45e1-b9b8-060799cdd2ec_negatedLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossTax" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income tax (expense) benefit</link:label>
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    <link:label id="lab_us-gaap_Assets_9b0b83ae-d8f5-4d6d-be57-f13a94d1b625_totalLabel_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total assets</link:label>
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    <link:label id="lab_us-gaap_Assets_label_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Assets</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Assets" xlink:to="lab_us-gaap_Assets" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear_e166ded7-c487-443d-8439-64c9ca730171_terseLabel_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 5</link:label>
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    <link:label id="lab_slm_LongtermDebtFairValueDifferenceBetweenCarryingValueandFairValue_d9b735a6-c0c8-427e-bce3-12310c9be316_terseLabel_en-US" xlink:label="lab_slm_LongtermDebtFairValueDifferenceBetweenCarryingValueandFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-term borrowings, difference</link:label>
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    <link:label id="lab_us-gaap_PlanNameDomain_2becd06b-134d-4204-bf97-c9597843e829_terseLabel_en-US" xlink:label="lab_us-gaap_PlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan Name [Domain]</link:label>
    <link:label id="lab_us-gaap_PlanNameDomain_label_en-US" xlink:label="lab_us-gaap_PlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Plan Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PlanNameDomain"/>
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    <link:label id="lab_us-gaap_InterestPaidNet_e9ea4f37-4671-4d27-a965-31f8c0502277_terseLabel_en-US" xlink:label="lab_us-gaap_InterestPaidNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest</link:label>
    <link:label id="lab_us-gaap_InterestPaidNet_label_en-US" xlink:label="lab_us-gaap_InterestPaidNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Interest Paid, Excluding Capitalized Interest, Operating Activities</link:label>
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    <link:label id="lab_srt_SegmentGeographicalDomain_7193a0a7-83e6-4b35-b73e-20310187633f_terseLabel_en-US" xlink:label="lab_srt_SegmentGeographicalDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Geographical [Domain]</link:label>
    <link:label id="lab_srt_SegmentGeographicalDomain_label_en-US" xlink:label="lab_srt_SegmentGeographicalDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Geographical [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_SegmentGeographicalDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_SegmentGeographicalDomain" xlink:to="lab_srt_SegmentGeographicalDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansPledgedAsCollateralCapitalizedInterest_2fa7aa50-29dd-4148-a0bd-76fb91eb204b_terseLabel_en-US" xlink:label="lab_slm_LoansPledgedAsCollateralCapitalizedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Capitalized interest</link:label>
    <link:label id="lab_slm_LoansPledgedAsCollateralCapitalizedInterest_label_en-US" xlink:label="lab_slm_LoansPledgedAsCollateralCapitalizedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Pledged As Collateral, Capitalized Interest</link:label>
    <link:label id="lab_slm_LoansPledgedAsCollateralCapitalizedInterest_documentation_en-US" xlink:label="lab_slm_LoansPledgedAsCollateralCapitalizedInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Pledged As Collateral, Capitalized Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansPledgedAsCollateralCapitalizedInterest" xlink:href="slm-20211231.xsd#slm_LoansPledgedAsCollateralCapitalizedInterest"/>
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    <link:label id="lab_slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentAccruedInterest_5209d117-d6d1-4193-9e09-57e29d68003d_terseLabel_en-US" xlink:label="lab_slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net proceeds from personal loans, accrued interest</link:label>
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    <link:label id="lab_slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentAccruedInterest_documentation_en-US" xlink:label="lab_slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net Proceeds From Sales Of Personal Loans Held For Investment, Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentAccruedInterest" xlink:href="slm-20211231.xsd#slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentAccruedInterest"/>
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    <link:label id="lab_srt_ParentCompanyMember_0ad3aada-2b1b-4ee2-a115-e8683b1265aa_terseLabel_en-US" xlink:label="lab_srt_ParentCompanyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Parent Company</link:label>
    <link:label id="lab_srt_ParentCompanyMember_label_en-US" xlink:label="lab_srt_ParentCompanyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Parent Company [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ParentCompanyMember"/>
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    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_2830726e-4b48-4fb1-9dab-adb19a94c042_verboseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current period recoveries, Year 4</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery, Originated Three Years Before Current Fiscal Year</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear"/>
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    <link:label id="lab_stpr_NY_36736d88-f1f3-47ec-b1ee-3be3066eb41f_terseLabel_en-US" xlink:label="lab_stpr_NY" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">California</link:label>
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    <link:label id="lab_slm_LongTermDebtWeightedAverageOutstandingBalance_3cbce37b-7981-43fe-b4fd-ec3029ecf594_terseLabel_en-US" xlink:label="lab_slm_LongTermDebtWeightedAverageOutstandingBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Average Balance</link:label>
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    <link:label id="lab_slm_LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring_c495320d-5b4d-4b0f-b0c4-e342a2c75681_terseLabel_en-US" xlink:label="lab_slm_LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percentage of loans granted forbearance (as a percentage)</link:label>
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    <link:label id="lab_slm_PrivateEducationLoans2020TermAMember_21556800-862a-4250-a695-0259442b3d6d_terseLabel_en-US" xlink:label="lab_slm_PrivateEducationLoans2020TermAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans 2020 Term A</link:label>
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    <link:label id="lab_slm_BorrowingsCollateralizedByLoansInTrustIssued_662f4081-601d-4b84-b0b5-a3e8a8d1ecd3_terseLabel_en-US" xlink:label="lab_slm_BorrowingsCollateralizedByLoansInTrustIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Borrowings collateralized by loans in securitization trusts - issued</link:label>
    <link:label id="lab_slm_BorrowingsCollateralizedByLoansInTrustIssued_label_en-US" xlink:label="lab_slm_BorrowingsCollateralizedByLoansInTrustIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Borrowings Collateralized By Loans In Trust Issued</link:label>
    <link:label id="lab_slm_BorrowingsCollateralizedByLoansInTrustIssued_documentation_en-US" xlink:label="lab_slm_BorrowingsCollateralizedByLoansInTrustIssued" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Borrowings Collateralized By Loans In Trust Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BorrowingsCollateralizedByLoansInTrustIssued" xlink:href="slm-20211231.xsd#slm_BorrowingsCollateralizedByLoansInTrustIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_BorrowingsCollateralizedByLoansInTrustIssued" xlink:to="lab_slm_BorrowingsCollateralizedByLoansInTrustIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountingStandardsUpdateExtensibleList_a19d52e9-196e-42e1-9c06-e5a03ef14847_terseLabel_en-US" xlink:label="lab_us-gaap_AccountingStandardsUpdateExtensibleList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting Standards Update [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_AccountingStandardsUpdateExtensibleList_label_en-US" xlink:label="lab_us-gaap_AccountingStandardsUpdateExtensibleList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accounting Standards Update [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingStandardsUpdateExtensibleList" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountingStandardsUpdateExtensibleList"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountingStandardsUpdateExtensibleList" xlink:to="lab_us-gaap_AccountingStandardsUpdateExtensibleList" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus_b9bf19f0-0725-4142-8cd7-13b0e4b46a32_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of consecutive monthly payments required to qualify for rate reduction, borrowers facing financial difficulty</link:label>
    <link:label id="lab_slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus_label_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Number Of Consecutive Monthly Payments Required, Financial Difficulty Status</link:label>
    <link:label id="lab_slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus_documentation_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Number Of Consecutive Monthly Payments Required, Financial Difficulty Status</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus" xlink:href="slm-20211231.xsd#slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus" xlink:to="lab_slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_NJ_613afd0f-6e88-407a-b30c-6bb4fcb5e534_terseLabel_en-US" xlink:label="lab_stpr_NJ" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">New Jersey</link:label>
    <link:label id="lab_stpr_NJ_label_en-US" xlink:label="lab_stpr_NJ" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">NEW JERSEY</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NJ" xlink:href="https://xbrl.sec.gov/stpr/2021/stpr-2021.xsd#stpr_NJ"/>
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    <link:label id="lab_us-gaap_QuarterlyFinancialInformationTextBlock_b07c4771-c83b-443b-b373-a0a80d5d3043_terseLabel_en-US" xlink:label="lab_us-gaap_QuarterlyFinancialInformationTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Selected Quarterly Financial Information (unaudited)</link:label>
    <link:label id="lab_us-gaap_QuarterlyFinancialInformationTextBlock_label_en-US" xlink:label="lab_us-gaap_QuarterlyFinancialInformationTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Quarterly Financial Information [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_QuarterlyFinancialInformationTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_QuarterlyFinancialInformationTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_QuarterlyFinancialInformationTextBlock" xlink:to="lab_us-gaap_QuarterlyFinancialInformationTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LondonClearingHouseMember_b042887f-69d7-4b57-96f7-e2102f96569b_terseLabel_en-US" xlink:label="lab_slm_LondonClearingHouseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">LCH</link:label>
    <link:label id="lab_slm_LondonClearingHouseMember_label_en-US" xlink:label="lab_slm_LondonClearingHouseMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">London Clearing House [Member]</link:label>
    <link:label id="lab_slm_LondonClearingHouseMember_documentation_en-US" xlink:label="lab_slm_LondonClearingHouseMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">London Clearing House [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LondonClearingHouseMember" xlink:href="slm-20211231.xsd#slm_LondonClearingHouseMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LondonClearingHouseMember" xlink:to="lab_slm_LondonClearingHouseMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AllowanceAsPercentageOfEndingLoansInRepayment_5c1b80fa-6eab-40d9-a805-3959f3142e16_terseLabel_en-US" xlink:label="lab_slm_AllowanceAsPercentageOfEndingLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance as a percentage of the ending loans in repayment</link:label>
    <link:label id="lab_slm_AllowanceAsPercentageOfEndingLoansInRepayment_label_en-US" xlink:label="lab_slm_AllowanceAsPercentageOfEndingLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance As Percentage Of Ending Loans In Repayment</link:label>
    <link:label id="lab_slm_AllowanceAsPercentageOfEndingLoansInRepayment_documentation_en-US" xlink:label="lab_slm_AllowanceAsPercentageOfEndingLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance as a percentage of the ending loans in repayment.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceAsPercentageOfEndingLoansInRepayment" xlink:href="slm-20211231.xsd#slm_AllowanceAsPercentageOfEndingLoansInRepayment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AllowanceAsPercentageOfEndingLoansInRepayment" xlink:to="lab_slm_AllowanceAsPercentageOfEndingLoansInRepayment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RestructuringAndRelatedCostNumberOfPositionsEliminatedPeriodPercent_c83b0338-919a-4103-b827-3f2dde576049_terseLabel_en-US" xlink:label="lab_us-gaap_RestructuringAndRelatedCostNumberOfPositionsEliminatedPeriodPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Number of positions eliminated, percent</link:label>
    <link:label id="lab_us-gaap_RestructuringAndRelatedCostNumberOfPositionsEliminatedPeriodPercent_label_en-US" xlink:label="lab_us-gaap_RestructuringAndRelatedCostNumberOfPositionsEliminatedPeriodPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Restructuring and Related Cost, Number of Positions Eliminated, Period Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringAndRelatedCostNumberOfPositionsEliminatedPeriodPercent" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestructuringAndRelatedCostNumberOfPositionsEliminatedPeriodPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestructuringAndRelatedCostNumberOfPositionsEliminatedPeriodPercent" xlink:to="lab_us-gaap_RestructuringAndRelatedCostNumberOfPositionsEliminatedPeriodPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod_12b581e0-65b7-4fd5-b528-b7a75fc991d4_terseLabel_en-US" xlink:label="lab_slm_LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Forbearance period after grace period for loans</link:label>
    <link:label id="lab_slm_LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod_label_en-US" xlink:label="lab_slm_LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and Leases Receivable, Forbearance Period after Grace Period</link:label>
    <link:label id="lab_slm_LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod_documentation_en-US" xlink:label="lab_slm_LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans and Leases Receivable, Forbearance Period after Grace Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod" xlink:href="slm-20211231.xsd#slm_LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod" xlink:to="lab_slm_LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear_fbaca496-04c8-41c6-8eee-b5a813ba6a3b_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current period gross charge-offs, Year 4</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, Originated Three Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, Originated Three Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2047Member_74ef0e7b-31ae-40c3-8007-0d76e817f6de_terseLabel_en-US" xlink:label="lab_slm_Maturity2047Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2047</link:label>
    <link:label id="lab_slm_Maturity2047Member_label_en-US" xlink:label="lab_slm_Maturity2047Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2047 [Member]</link:label>
    <link:label id="lab_slm_Maturity2047Member_documentation_en-US" xlink:label="lab_slm_Maturity2047Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2047 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2047Member" xlink:href="slm-20211231.xsd#slm_Maturity2047Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2047Member" xlink:to="lab_slm_Maturity2047Member" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_PA_f4bcdd13-2c91-49fd-82f2-3796b5c1cef0_terseLabel_en-US" xlink:label="lab_stpr_PA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pennsylvania</link:label>
    <link:label id="lab_stpr_PA_label_en-US" xlink:label="lab_stpr_PA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">PENNSYLVANIA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_PA" xlink:href="https://xbrl.sec.gov/stpr/2021/stpr-2021.xsd#stpr_PA"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_PA" xlink:to="lab_stpr_PA" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear_6b87211f-9bf1-4bb8-9f53-8b3d4edcade9_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current period gross charge-offs, Year 1</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, Originated In Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, Originated In Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_c1426e99-d584-4a2b-8d9e-98faf82a3ff5_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Reconciliations of statutory U.S. federal income tax rates to our effective tax rate</link:label>
    <link:label id="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_e5fb4f53-ad8b-43cf-8cb3-632dc99f1c2a_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Variable Interest Entity, Primary Beneficiary</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Variable Interest Entity, Primary Beneficiary [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:to="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TradingActivityByTypeAxis_8ea4aeeb-d56e-4038-8535-6df2cd053c21_terseLabel_en-US" xlink:label="lab_us-gaap_TradingActivityByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading Activity [Axis]</link:label>
    <link:label id="lab_us-gaap_TradingActivityByTypeAxis_label_en-US" xlink:label="lab_us-gaap_TradingActivityByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading Activity [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TradingActivityByTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TradingActivityByTypeAxis" xlink:to="lab_us-gaap_TradingActivityByTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock_e69b4e84-f4fe-41fa-85f6-f5d4cf32392d_terseLabel_en-US" xlink:label="lab_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance for Private Education Loan Losses</link:label>
    <link:label id="lab_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock_label_en-US" xlink:label="lab_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Allowance For Private Education Loan Losses Policy [Policy Text Block]</link:label>
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    <link:label id="lab_us-gaap_ParentMember_93ad6f54-f131-491a-960b-683f044e98b9_terseLabel_en-US" xlink:label="lab_us-gaap_ParentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Equity</link:label>
    <link:label id="lab_us-gaap_ParentMember_label_en-US" xlink:label="lab_us-gaap_ParentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Parent [Member]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ParentMember" xlink:to="lab_us-gaap_ParentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CollateralAxis_fd48ecd4-2725-4c5a-8003-1e3a1cebbf4b_terseLabel_en-US" xlink:label="lab_us-gaap_CollateralAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral [Axis]</link:label>
    <link:label id="lab_us-gaap_CollateralAxis_label_en-US" xlink:label="lab_us-gaap_CollateralAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Collateral Held [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CollateralAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CollateralAxis" xlink:to="lab_us-gaap_CollateralAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_69fe5ff2-fe83-41c8-8452-bffde7d7f930_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Valuation of financial instruments that are marked-to-market on recurring basis</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]</link:label>
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    <link:label id="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree_72944bca-4ad1-4cf7-89cf-4d56251927da_terseLabel_en-US" xlink:label="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity to Call Date, 2024</link:label>
    <link:label id="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree_label_en-US" xlink:label="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-Term Debt, Maturity to Call Date, Repayments Of Principal in Year Three</link:label>
    <link:label id="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree_documentation_en-US" xlink:label="lab_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-Term Debt, Maturity to Call Date, Repayments Of Principal in Year Three</link:label>
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    <link:label id="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_9f40cd60-af83-4b16-b9b2-2f77cbb68b5a_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Schedule of variable interest entities</link:label>
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    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent_232650f8-2713-47f5-9b7c-310dd3e06b75_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning based on monthly scheduled payments due from 1-12 payments, in percent</link:label>
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    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent_documentation_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Seasoning based on monthly scheduled payments due from one to twelve payments in percent.</link:label>
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    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember_b57882b4-121c-4e86-958a-c0953b302db0_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss)</link:label>
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    <link:label id="lab_slm_Type1ofDefinedContributionPlan_5a0d2c47-48e7-4cb0-b5d4-98dec76d2c59_terseLabel_en-US" xlink:label="lab_slm_Type1ofDefinedContributionPlan" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type 1 of defined benefit contribution (up to)</link:label>
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    <link:label id="lab_slm_Type1ofDefinedContributionPlan_documentation_en-US" xlink:label="lab_slm_Type1ofDefinedContributionPlan" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Type 1 of Defined Contribution Plan</link:label>
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    <link:label id="lab_us-gaap_OtherAssets_3b746216-d5b6-49a9-bd85-a97c130c01ef_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_us-gaap_OtherAssets_b4f9801f-4782-4347-bc83-45bbb387cb72_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_us-gaap_OtherAssets_label_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Assets</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherAssets" xlink:to="lab_us-gaap_OtherAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_85a2238b-11ef-472f-b3fc-0ea8ffdc29f8_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common stock shares outstanding (in shares)</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesOutstanding" xlink:to="lab_us-gaap_CommonStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5dd1ae8b-915a-4e56-b422-060282eb278a_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financial Instruments [Domain]</link:label>
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    <link:label id="lab_slm_DeferredTaxLiabilitiesGainsLossesOnRepurchasedDebt_f6cfd0ee-522f-499f-9c8b-ef0af2a9bd76_terseLabel_en-US" xlink:label="lab_slm_DeferredTaxLiabilitiesGainsLossesOnRepurchasedDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Fixed assets</link:label>
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    <link:label id="lab_us-gaap_IncomeTaxReceivable_09f2832e-d6e8-41fb-8bcc-2d62beb8fb54_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income taxes receivable, net</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReceivable_129d3175-cfa8-4f5a-b56e-05c107da7866_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReceivable" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tax indemnification receivable</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReceivable_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Income Taxes Receivable</link:label>
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    <link:label id="lab_stpr_TX_80b4ba1a-4ade-4f12-87c9-a81892b477d1_terseLabel_en-US" xlink:label="lab_stpr_TX" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Texas</link:label>
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    <link:label id="lab_slm_FinancingReceivableSalesAllowanceForCreditLossReversal_416c7353-4e44-4cfe-823f-695a31010830_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableSalesAllowanceForCreditLossReversal" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loan sale reduction to provision</link:label>
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    <link:label id="lab_us-gaap_Capital_f6fcf4d5-5a6b-4648-a736-f367db52393e_terseLabel_en-US" xlink:label="lab_us-gaap_Capital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Capital (to Risk-Weighted Assets)</link:label>
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    <link:label id="lab_slm_Maturity2024Member_30968521-3b99-4cff-9ad1-2e5f9a588e5b_terseLabel_en-US" xlink:label="lab_slm_Maturity2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2024</link:label>
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    <link:label id="lab_slm_Maturity2024Member_documentation_en-US" xlink:label="lab_slm_Maturity2024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2024</link:label>
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    <link:label id="lab_slm_Maturity2044Member_label_en-US" xlink:label="lab_slm_Maturity2044Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2044 [Member]</link:label>
    <link:label id="lab_slm_Maturity2044Member_documentation_en-US" xlink:label="lab_slm_Maturity2044Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2044 [Member]</link:label>
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    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions_4e2be302-5380-41f2-8bd5-7836d9a4b6bc_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Decreases resulting from tax positions taken during a prior period</link:label>
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    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_84a472e7-e1f0-4b1e-98e2-bb23cb44901e_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current period recoveries, Year 3</link:label>
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    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery, Originated Two Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear"/>
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    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear_f40156d0-0109-4925-90d2-8fdda311a700_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans allowance for losses, Year 2</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated Fiscal Year Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated Fiscal Year Before Latest Fiscal Year</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_d3ee563d-9b08-42cd-a60e-797b73d9c03b_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ending balance: individually evaluated for impairment</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1"/>
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    <link:label id="lab_us-gaap_ConcentrationRiskDisclosureTextBlock_39541e92-ecd8-4455-9164-3b3a5be97775_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Concentrations of Risk</link:label>
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    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_3f2061d4-9422-4311-a5be-b58e1cfd2cc7_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Premises and Equipment, net</link:label>
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    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_1e5ab557-e611-42f1-ac66-77cb7ce09eae_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Private Education Loans in forbearance, Year 2</link:label>
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    <link:label id="lab_us-gaap_CapitalToRiskWeightedAssets_a99c1490-8783-4285-b663-0d61c95f7762_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total Capital (to Risk-Weighted Assets)</link:label>
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    <link:label id="lab_us-gaap_ScheduleOfDebtInstrumentsTextBlock_da9edcf2-6e7a-47f9-a010-9c2bea7408b3_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDebtInstrumentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Long-term borrowings</link:label>
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    <link:label id="lab_us-gaap_TreasuryStockSharesAcquired_dbc755c7-975b-480d-a157-844e1dcb3cc0_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockSharesAcquired" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Common stock repurchased (in shares)</link:label>
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    <link:label id="lab_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_c7b7f173-c0e2-44b3-93bb-a95efa16352a_verboseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans held for sale</link:label>
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    <link:label id="lab_dei_TradingSymbol_a78666e8-7434-478e-82c6-a2e7472da007_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading Symbol</link:label>
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    <link:label id="lab_us-gaap_DerivativeAssets_f01888ed-02a9-4c9f-940f-df38dcde283f_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeAssets_17f60e10-4204-4b28-afec-c7ad2e18913f_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative values with impact of master netting agreements (as carried on balance sheet)</link:label>
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    <link:label id="lab_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet_1b93714f-c595-4809-b0b2-be249909895e_terseLabel_en-US" xlink:label="lab_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Student loan premiums and discounts, net</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_920a268b-6864-4c4b-aa27-aa2e7780ed2d_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Ending balance: individually evaluated for impairment</link:label>
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    <link:label id="lab_slm_LoanAmountSecuritized_dfcfdee2-1f89-4c9e-a601-83b8cba8d819_terseLabel_en-US" xlink:label="lab_slm_LoanAmountSecuritized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total loans and accrued interest amount securitized at inception</link:label>
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    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear_3694fa50-dcaf-4f18-becf-ae63cf2f6b4b_terseLabel_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 4</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated Three Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated Three Years Before Current Fiscal Year</link:label>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_981decaf-2488-4e2e-855e-c07b17fa67bf_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross Unrealized Losses</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
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    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_8042df83-e006-4525-9f41-4c3a512c7a35_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase in other assets</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_0499f07c-125f-49d9-b625-1d6306564aee_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase in other assets</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Increase (Decrease) in Other Operating Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:to="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock_9d9cf0ec-2bbe-4318-bc2d-1469a002564c_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repurchase of Series B Preferred Stock</link:label>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock_47b94b22-f805-4077-800c-708671f189af_verboseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Repurchase of Series B Preferred Stock</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock"/>
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    <link:label id="lab_srt_CondensedIncomeStatementsCaptionsLineItems_54247b22-527c-477e-9de3-2327e0f00fbe_terseLabel_en-US" xlink:label="lab_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Condensed Income Statements, Captions [Line Items]</link:label>
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    <link:label id="lab_slm_LoansInSchoolGraceDefermentMember_2d2fb019-7dea-4e85-a3ee-5060d6aa1c33_terseLabel_en-US" xlink:label="lab_slm_LoansInSchoolGraceDefermentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans In-School/Grace/Deferment</link:label>
    <link:label id="lab_slm_LoansInSchoolGraceDefermentMember_label_en-US" xlink:label="lab_slm_LoansInSchoolGraceDefermentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans In-School/Grace/Deferment [Member]</link:label>
    <link:label id="lab_slm_LoansInSchoolGraceDefermentMember_documentation_en-US" xlink:label="lab_slm_LoansInSchoolGraceDefermentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans In-School/Grace/Deferment</link:label>
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    <link:label id="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset_c1027a3c-3f6c-478f-b1a2-258db550ce29_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Impact of master netting agreement</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative Liability, Fair Value, Gross Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:to="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2043Member_414dc162-9524-424c-958e-9f49205fd32d_terseLabel_en-US" xlink:label="lab_slm_Maturity2043Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2043</link:label>
    <link:label id="lab_slm_Maturity2043Member_label_en-US" xlink:label="lab_slm_Maturity2043Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2043 [Member]</link:label>
    <link:label id="lab_slm_Maturity2043Member_documentation_en-US" xlink:label="lab_slm_Maturity2043Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Maturity 2043 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2043Member" xlink:href="slm-20211231.xsd#slm_Maturity2043Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2043Member" xlink:to="lab_slm_Maturity2043Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_bd8ba589-fcca-40d6-b0e6-cf9615c6b701_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1 Capital (to Average Assets)</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Banking Regulation, Tier One Leverage Capital, Well Capitalized, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized"/>
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    <link:label id="lab_us-gaap_TierOneLeverageCapital_c08d8c04-b415-4190-b575-3d0a5e83cf8b_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1 Capital (to Average Assets)</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapital_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Banking Regulation, Tier One Leverage Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TierOneLeverageCapital"/>
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    <link:label id="lab_us-gaap_SeveranceCosts1_e99b62a0-8fd4-4310-974a-ce09cc845bae_terseLabel_en-US" xlink:label="lab_us-gaap_SeveranceCosts1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Severance costs</link:label>
    <link:label id="lab_us-gaap_SeveranceCosts1_label_en-US" xlink:label="lab_us-gaap_SeveranceCosts1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Severance Costs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeveranceCosts1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SeveranceCosts1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SeveranceCosts1" xlink:to="lab_us-gaap_SeveranceCosts1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityTable_3c0100bf-0139-46be-ac74-0e7b16b6231e_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Line of Credit Facility [Table]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityTable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LineOfCreditFacilityTable"/>
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    <link:label id="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_a95bed0b-3c8e-44c2-9d3d-fdf2375d1ffa_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private education loans sold</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Proceeds from Sale of Debt Securities, Available-for-sale</link:label>
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    <link:label id="lab_us-gaap_DepositsAbstract_0888d459-c878-48fa-a1ae-1f7c5477b82a_terseLabel_en-US" xlink:label="lab_us-gaap_DepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Deposits [Abstract]</link:label>
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    <link:label id="lab_slm_SallieMae401kSavingsPlanMember_089ac2fd-720f-4dff-833f-46cea9d3c92d_terseLabel_en-US" xlink:label="lab_slm_SallieMae401kSavingsPlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Sallie Mae 401(k) Savings Plan</link:label>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_27756a54-facf-46fb-b52e-b5adab40fd4d_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Vested (in dollars per share)</link:label>
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    <link:label id="lab_us-gaap_OtherContractMember_92e84a17-030e-4c88-8c7f-acbe0a9aaedf_terseLabel_en-US" xlink:label="lab_us-gaap_OtherContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other</link:label>
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    <link:label id="lab_us-gaap_ClassOfStockDomain_e64d1194-42f6-4bf5-915a-1507e6d55431_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Class of Stock [Domain]</link:label>
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    <link:label id="lab_slm_StudentLoanPortfolioByProgramTableTextBlock_6bdb5e98-fa8e-4fad-b188-bf543cf01dea_terseLabel_en-US" xlink:label="lab_slm_StudentLoanPortfolioByProgramTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans held for investment</link:label>
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    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_96d9fc26-6507-4552-8930-a64a250286ad_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private education loan funding</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Line of Credit Facility, Maximum Borrowing Capacity</link:label>
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    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_36411ff1-3681-4dbe-ae8b-76e503fd62b5_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans, net, Year 6</link:label>
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    <link:label id="lab_us-gaap_OtherInterestEarningAssets_5b319f01-3470-42b0-a5b1-e71b7bd9e289_terseLabel_en-US" xlink:label="lab_us-gaap_OtherInterestEarningAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other interest-earning assets</link:label>
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    <link:label id="lab_slm_DebtInstrumentIssuancePricePercentage_09c7b188-aeb2-46b5-8793-f891ae253556_terseLabel_en-US" xlink:label="lab_slm_DebtInstrumentIssuancePricePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Issuance price</link:label>
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    <link:label id="lab_us-gaap_LineOfCreditFacilityLineItems_bdd8714a-512e-4ed9-afe2-1fb9e9cbbe31_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Line of Credit Facility [Line Items]</link:label>
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    <link:label id="lab_us-gaap_DebtInstrumentNameDomain_dc9412cc-9eb0-4944-a989-498b4a1bcbd8_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Debt Instrument, Name [Domain]</link:label>
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    <link:label id="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_d2b942ae-7769-4df0-9c8b-efeebb42a449_terseLabel_en-US" xlink:label="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans held for sale</link:label>
    <link:label id="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans Held-for-sale, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:to="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR_98192a18-e7db-4161-885e-f2ee1ca2d3d8_terseLabel_en-US" xlink:label="lab_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private loans indexed to LIBOR</link:label>
    <link:label id="lab_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR_label_en-US" xlink:label="lab_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percent of Private Loans indexed to LIBOR Or SOFR</link:label>
    <link:label id="lab_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR_documentation_en-US" xlink:label="lab_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Percent of Private Loans indexed to LIBOR Or SOFR</link:label>
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    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_2419cd9a-f877-479d-a050-00da9342670b_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Total accrued interest by origination vintage, Year 6</link:label>
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    <link:label id="lab_us-gaap_DilutiveSecuritiesAbstract_1c6198bf-46d8-4b16-9a26-5d75ef3f1ec1_terseLabel_en-US" xlink:label="lab_us-gaap_DilutiveSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Effect of dilutive securities:</link:label>
    <link:label id="lab_us-gaap_DilutiveSecuritiesAbstract_label_en-US" xlink:label="lab_us-gaap_DilutiveSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Dilutive Securities, Effect on Basic Earnings Per Share [Abstract]</link:label>
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    <link:label id="lab_us-gaap_OffsettingLiabilitiesTableTextBlock_74c47e9f-f90b-45aa-a060-a8000c1a29ec_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Offsetting liabilities</link:label>
    <link:label id="lab_us-gaap_OffsettingLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Offsetting Liabilities [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OffsettingLiabilitiesTableTextBlock"/>
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    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiability_2365fff4-26fe-4492-8693-db6abab3e908_negatedLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Gross position</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiability_label_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative Liability, Fair Value, Gross Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:to="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_b4874374-56ba-4529-826c-e36e0e79c45f_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Private Education Loans allowance for losses, Year 4</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated Three Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated Three Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:href="slm-20211231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilitiesAbstract_21a04e2a-6a86-4e19-98e4-1896bef2db4d_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Liabilities</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative Liability [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DerivativeLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract" xlink:to="lab_us-gaap_DerivativeLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal_a77b7194-dddf-4bf7-9b10-ed320cd8a9ee_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Loans transferred to held-for-sale</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Financing Receivable, Transfer to Held-for-Sale, Allowance for Credit Loss, Expense Reversal</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal"/>
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    <link:label id="lab_us-gaap_DerivativeBasisSpreadOnVariableRate_aa0211de-c11e-4ad5-9ad3-902e332ab8cd_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeBasisSpreadOnVariableRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Basis spread on variable rate</link:label>
    <link:label id="lab_us-gaap_DerivativeBasisSpreadOnVariableRate_label_en-US" xlink:label="lab_us-gaap_DerivativeBasisSpreadOnVariableRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Derivative, Basis Spread on Variable Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeBasisSpreadOnVariableRate" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DerivativeBasisSpreadOnVariableRate"/>
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    <link:label id="lab_us-gaap_PreferredStockMember_b723411c-6c2d-4f30-909e-9db8d1ccf96c_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred Stock</link:label>
    <link:label id="lab_us-gaap_PreferredStockMember_label_en-US" xlink:label="lab_us-gaap_PreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Preferred Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockMember"/>
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    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_e38554e2-af53-40a3-8574-c267e9c5403e_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Less: Amount of gain (loss) reclassified in interest expense</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax</link:label>
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    <link:label id="lab_us-gaap_TierOneRiskBasedCapital_a52835c7-c52d-4fdd-a638-915becddc32c_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Tier 1 Capital (to Risk-Weighted Assets)</link:label>
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    <link:label id="lab_slm_StudentLoanBorrowersWhoDidNotReturnToSchoolAndReceivedExtenstionMember_c9269f6b-910c-4ef4-a068-032dd473b1a1_terseLabel_en-US" xlink:label="lab_slm_StudentLoanBorrowersWhoDidNotReturnToSchoolAndReceivedExtenstionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Student Loan, Borrowers Who Did Not Return To School And Received Extenstion</link:label>
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<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>slm-20211231_g2.jpg
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<DOCUMENT>
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<SEQUENCE>16
<FILENAME>slm-20211231_g4.jpg
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M^-']M:?_ ,_]K_W^7_&@"[15+^VM/_Y_[7_O\O\ C1_;6G_\_P#:_P#?Y?\
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MT 7:*I?VUI__ #_VO_?Y?\:/[:T__G_M?^_R_P"- %VBJ7]M:?\ \_\ :_\
M?Y?\:/[:T_\ Y_[7_O\ +_C0!=HJE_;6G_\ /_:_]_E_QH_MK3_^?^U_[_+_
M (T 7:*I?VUI_P#S_P!K_P!_E_QH_MK3_P#G_M?^_P O^- %VBJ7]M:?_P _
M]K_W^7_&C^VM/_Y_[7_O\O\ C0!=HJE_;6G_ //_ &O_ '^7_&C^VM/_ .?^
MU_[_ "_XT 7:*I?VUI__ #_VO_?Y?\:/[:T__G_M?^_R_P"- %VBJ7]M:?\
M\_\ :_\ ?Y?\:/[:T_\ Y_[7_O\ +_C0!=HJE_;6G_\ /_:_]_E_QH_MK3_^
M?^U_[_+_ (T 7:*I?VUI_P#S_P!K_P!_E_QH_MK3_P#G_M?^_P O^- %VBJ7
M]M:?_P _]K_W^7_&C^VM/_Y_[7_O\O\ C0!=HJE_;6G_ //_ &O_ '^7_&C^
MVM/_ .?^U_[_ "_XT 7:*I?VUI__ #_VO_?Y?\:/[:T__G_M?^_R_P"- %VB
MJ7]M:?\ \_\ :_\ ?Y?\:/[:T_\ Y_[7_O\ +_C0!=HJE_;6G_\ /_:_]_E_
MQH_MK3_^?^U_[_+_ (T 7:*I?VUI_P#S_P!K_P!_E_QH_MK3_P#G_M?^_P O
M^- %VBJ7]M:?_P _]K_W^7_&C^VM/_Y_[7_O\O\ C0!=HJE_;6G_ //_ &O_
M '^7_&C^VM/_ .?^U_[_ "_XT 7:*I?VUI__ #_VO_?Y?\:/[:T__G_M?^_R
M_P"- %VBJ7]M:?\ \_\ :_\ ?Y?\:/[:T_\ Y_[7_O\ +_C0!=HJE_;6G_\
M/_:_]_E_QH_MK3_^?^U_[_+_ (T 7:*I?VUI_P#S_P!K_P!_E_QH_MK3_P#G
M_M?^_P O^- &-X?_ .1FUK_>'\ZZ:N1T/4+6'Q%JTCW,*1N1L=I  W/8YYKH
M?[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^-
M%VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO
M_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U
M_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_
M -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__
M )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*
MI?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :
M/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^-
M%VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO
M_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U
M_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_
M -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__
M )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*
MI?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :
M/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^-
M%VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO
M_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U
M_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_
M -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__
M )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*
MI?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :
M/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^-
M%VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO
M_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U
M_P"_R_XT 8WC/_6Z5_U\?X5TU<CXLU"UN9-,,-S#*$GRVR0' XY.#70_VUI_
M_/\ VO\ W^7_ !H NT52_MK3_P#G_M?^_P O^-']M:?_ ,_]K_W^7_&@"[15
M+^VM/_Y_[7_O\O\ C1_;6G_\_P#:_P#?Y?\ &@"[15+^VM/_ .?^U_[_ "_X
MT?VUI_\ S_VO_?Y?\: +M%4O[:T__G_M?^_R_P"-']M:?_S_ -K_ -_E_P :
M +M%4O[:T_\ Y_[7_O\ +_C1_;6G_P#/_:_]_E_QH NT52_MK3_^?^U_[_+_
M (T?VUI__/\ VO\ W^7_ !H NT52_MK3_P#G_M?^_P O^-']M:?_ ,_]K_W^
M7_&@"[15+^VM/_Y_[7_O\O\ C1_;6G_\_P#:_P#?Y?\ &@"[15+^VM/_ .?^
MU_[_ "_XT?VUI_\ S_VO_?Y?\: +M%4O[:T__G_M?^_R_P"-']M:?_S_ -K_
M -_E_P : +M%4O[:T_\ Y_[7_O\ +_C1_;6G_P#/_:_]_E_QH NT52_MK3_^
M?^U_[_+_ (T?VUI__/\ VO\ W^7_ !H NT52_MK3_P#G_M?^_P O^-']M:?_
M ,_]K_W^7_&@"[15+^VM/_Y_[7_O\O\ C1_;6G_\_P#:_P#?Y?\ &@"[15+^
MVM/_ .?^U_[_ "_XT?VUI_\ S_VO_?Y?\: +M%4O[:T__G_M?^_R_P"-']M:
M?_S_ -K_ -_E_P : +M%4O[:T_\ Y_[7_O\ +_C1_;6G_P#/_:_]_E_QH NT
M52_MK3_^?^U_[_+_ (T?VUI__/\ VO\ W^7_ !H NT52_MK3_P#G_M?^_P O
M^-']M:?_ ,_]K_W^7_&@"[15+^VM/_Y_[7_O\O\ C1_;6G_\_P#:_P#?Y?\
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M/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^-
M%VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO
M_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U
M_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_
M -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__
M )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*
MI?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :
M/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^-
M%VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO
M_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U
M_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_
M -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__
M )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :/[:T_P#Y_P"U_P"_R_XT 7:*
MI?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^- %VBJ7]M:?_S_ -K_ -_E_P :
M/[:T_P#Y_P"U_P"_R_XT 7:*I?VUI_\ S_VO_?Y?\:/[:T__ )_[7_O\O^-
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M /(N6G_ _P#T-JVJ "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** .:\?,RZ-%@D9G .#U&UJM_\(?I'_/I_Y%?_ !JG\0/^0-#_ -?"_P#H
M+5TU &+_ ,(?I'_/I_Y%?_&C_A#](_Y]/_(K_P"-8GC;XW?#KX:ZK%IGB[Q]
MX7\*ZE-"+F.SUO6;:SF>(LRB0)(ZDJ61QNQC*D=C6 G[5WP2D957XQ> &9C@
M*OB>Q))]/];0!W7_  A^D?\ /I_Y%?\ QH_X0_2/^?3_ ,BO_C5#PU\5/!7C
M.\:S\/\ C#0==NU&XV^FZG!<2 >NU&)['\JZF@#%_P"$/TC_ )]/_(K_ .-'
M_"'Z1_SZ?^17_P :VJ* ,7_A#](_Y]/_ "*_^-'_  A^D?\ /I_Y%?\ QK-\
M)_%SP-X]UB_TGPSXS\/>(]4L 3=V.DZK!=3VX#;29$C<LF&XY YXKK* ,7_A
M#](_Y]/_ "*_^-'_  A^D?\ /I_Y%?\ QK:HH Q?^$/TC_GT_P#(K_XT?\(?
MI'_/I_Y%?_&MJB@#%_X0_2/^?3_R*_\ C1_PA^D?\^G_ )%?_&MJB@#%_P"$
M/TC_ )]/_(K_ .-'_"'Z1_SZ?^17_P :VJ* ,7_A#](_Y]/_ "*_^-'_  A^
MD?\ /I_Y%?\ QK:HH Q?^$/TC_GT_P#(K_XT?\(?I'_/I_Y%?_&MJLOQ-XJT
M7P3H=UK7B+5[#0=&M0IN-1U.Y2VMX0S!5+R.0JY9E R>20.] $/_  A^D?\
M/I_Y%?\ QH_X0_2/^?3_ ,BO_C7"?\-8_!#_ *+)\/\ _P *BQ_^.T?\-8_!
M#_HLGP__ /"HL?\ X[0!W?\ PA^D?\^G_D5_\:/^$/TC_GT_\BO_ (US7A7]
MH+X7>.]<M]%\-?$GPAXAUFX#&'3M*UVUNKB0*I9BL<<A8X4$G X )KOZ ,7_
M (0_2/\ GT_\BO\ XT?\(?I'_/I_Y%?_ !K:KE/&?Q8\$?#BZL+7Q;XR\/\
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506328370664">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Cover Page - USD ($)<br> $ in Billions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Jan. 31, 2022</div></th>
<th class="th"><div>Jun. 30, 2021</div></th>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">10-K<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentAnnualReport', window );">Document Annual Report</a></td>
<td class="text">true<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec. 31,  2021<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentTransitionReport', window );">Document Transition Report</a></td>
<td class="text">false<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-13251<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">SLM Corp<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">52-2013874<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">300 Continental Drive<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Newark,<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">DE<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">19713<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">302<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">451-0200<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">Yes<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityVoluntaryFilers', window );">Entity Voluntary Filers</a></td>
<td class="text">No<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCurrentReportingStatus', window );">Entity Current Reporting Status</a></td>
<td class="text">Yes<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">Yes<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFilerCategory', window );">Entity Filer Category</a></td>
<td class="text">Large Accelerated Filer<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntitySmallBusiness', window );">Entity Small Business</a></td>
<td class="text">false<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_IcfrAuditorAttestationFlag', window );">ICFR Auditor Attestation Flag</a></td>
<td class="text">true<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityShellCompany', window );">Entity Shell Company</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityPublicFloat', window );">Entity Public Float</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">$ 6.4<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding (in shares)</a></td>
<td class="text">&#160;<span></span>
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<td class="nump">279,392,949<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentsIncorporatedByReferenceTextBlock', window );">Documents Incorporated by Reference</a></td>
<td class="text">Portions of the proxy statement relating to the Registrant&#8217;s 2022 Annual Meeting of Stockholders are incorporated by reference into Part III of this Annual Report on Form 10-K.<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
<td class="text">2021<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalPeriodFocus', window );">Document Fiscal Period Focus</a></td>
<td class="text">FY<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001032033<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common stock, par value $.20 per share<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">SLM<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_NoncumulativePreferredStockMember', window );">Noncumulative Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Floating Rate Non-Cumulative Preferred Stock, Series B, par value $.20 per share<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">SLMBP<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentAnnualReport">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true only for a form used as an annual report.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentAnnualReport</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalPeriodFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalPeriodFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fiscalPeriodItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalYearFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalYearFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gYearItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentTransitionReport">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true only for a form used as a transition report.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Forms 10-K, 10-Q, 20-F<br> -Number 240<br> -Section 13<br> -Subsection a-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentTransitionReport</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentsIncorporatedByReferenceTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Documents incorporated by reference.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-23<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentsIncorporatedByReferenceTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' whether registrants (1) have 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 registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCurrentReportingStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFilerCategory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFilerCategory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:filerCategoryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityInteractiveDataCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-T<br> -Number 232<br> -Section 405<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityInteractiveDataCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityPublicFloat">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityPublicFloat</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityShellCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityShellCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntitySmallBusiness">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicates that the company is a Smaller Reporting Company (SRC).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntitySmallBusiness</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityVoluntaryFilers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityVoluntaryFilers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityWellKnownSeasonedIssuer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 405<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityWellKnownSeasonedIssuer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_IcfrAuditorAttestationFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_IcfrAuditorAttestationFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_NoncumulativePreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_NoncumulativePreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
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<head>
<title></title>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506333864472">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Audit Information<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AuditInformationAbstract', window );"><strong>Audit Information [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AuditorName', window );">Auditor Name</a></td>
<td class="text">KPMG LLP<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AuditorLocation', window );">Auditor Location</a></td>
<td class="text">McLean, Virginia<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AuditorFirmId', window );">Auditor Firm ID</a></td>
<td class="text">185<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AuditorFirmId">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>PCAOB issued Audit Firm Identifier</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorFirmId</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:nonemptySequenceNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AuditorLocation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorLocation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dei:internationalNameItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AuditorName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorName</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:internationalNameItemType</td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Audit Information [Abstract]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AuditInformationAbstract</td>
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<td>duration</td>
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<DOCUMENT>
<TYPE>XML
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<html>
<head>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506329104472">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>CONSOLIDATED BALANCE SHEETS - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">$ 4,334,603<span></span>
</td>
<td class="nump">$ 4,455,292<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsAbstract', window );"><strong>Investments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments at fair value (cost of $29,049 and $12,551, respectively )</a></td>
<td class="nump">37,465<span></span>
</td>
<td class="nump">16,923<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">2,517,956<span></span>
</td>
<td class="nump">1,996,634<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherInvestments', window );">Other investments</a></td>
<td class="nump">140,037<span></span>
</td>
<td class="nump">80,794<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Investments', window );">Total investments</a></td>
<td class="nump">2,695,458<span></span>
</td>
<td class="nump">2,094,351<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment (net of allowance for losses of $1,165,335 and $1,361,723, respectively)</a></td>
<td class="nump">20,341,283<span></span>
</td>
<td class="nump">19,183,143<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup', window );">Loans held for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,885,640<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestments', window );">Restricted cash</a></td>
<td class="nump">210,741<span></span>
</td>
<td class="nump">154,417<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherInterestEarningAssets', window );">Other interest-earning assets</a></td>
<td class="nump">9,655<span></span>
</td>
<td class="nump">42,874<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestReceivable', window );">Accrued interest receivable</a></td>
<td class="nump">1,205,667<span></span>
</td>
<td class="nump">1,387,305<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, net</a></td>
<td class="nump">150,516<span></span>
</td>
<td class="nump">154,670<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReceivable', window );">Income taxes receivable, net</a></td>
<td class="nump">239,578<span></span>
</td>
<td class="nump">374,706<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_TaxIndemnificationReceivable', window );">Tax indemnification receivable</a></td>
<td class="nump">8,047<span></span>
</td>
<td class="nump">18,492<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">26,351<span></span>
</td>
<td class="nump">19,533<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">29,221,899<span></span>
</td>
<td class="nump">30,770,423<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Deposits</a></td>
<td class="nump">20,828,124<span></span>
</td>
<td class="nump">22,666,039<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term borrowings</a></td>
<td class="nump">5,930,990<span></span>
</td>
<td class="nump">5,189,217<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">313,074<span></span>
</td>
<td class="nump">352,332<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">27,072,188<span></span>
</td>
<td class="nump">28,207,588<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingencies', window );">Commitments and contingencies</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>Preferred stock, par value $0.20 per share, 20 million shares authorized:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $0.20 per share, 1.125 billion shares authorized: 432.0 million and 456.7 million shares issued, respectively</a></td>
<td class="nump">86,403<span></span>
</td>
<td class="nump">91,346<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
<td class="nump">1,074,384<span></span>
</td>
<td class="nump">1,331,247<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive loss (net of tax benefit of $(5,707) and $(10,908), respectively)</a></td>
<td class="num">(17,897)<span></span>
</td>
<td class="num">(34,200)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">2,817,134<span></span>
</td>
<td class="nump">1,722,365<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock', window );">Total SLM Corporation stockholders&#8217; equity before treasury stock</a></td>
<td class="nump">4,211,094<span></span>
</td>
<td class="nump">3,361,828<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValue', window );">Less: Common stock held in treasury at cost: 153.1 million and 81.4 million shares, respectively</a></td>
<td class="num">(2,061,383)<span></span>
</td>
<td class="num">(798,993)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Total equity</a></td>
<td class="nump">2,149,711<span></span>
</td>
<td class="nump">2,562,835<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and equity</a></td>
<td class="nump">29,221,899<span></span>
</td>
<td class="nump">30,770,423<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>Preferred stock, par value $0.20 per share, 20 million shares authorized:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValueOutstanding', window );">Series B: 2.5 million and 2.5 million shares issued, respectively, at stated value of $100 per share</a></td>
<td class="nump">$ 251,070<span></span>
</td>
<td class="nump">$ 251,070<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Stockholders' Equity Attributable to Parent, Excluding Treasury Stock</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_TaxIndemnificationReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tax Indemnification Receivable</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_TaxIndemnificationReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=d3e637-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669686-108580<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=124501264&amp;loc=SL117420844-207641<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=124501264&amp;loc=SL117420844-207641<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=d3e681-108580<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of excess of issue price over par or stated value of stock and from other transaction involving stock or stockholder. Includes, but is not limited to, additional paid-in capital (APIC) for common and preferred stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 65<br> -Paragraph 15<br> -Subparagraph (g)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121322162&amp;loc=SL121327923-165333<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdditionalPaidInCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -URI 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-Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -URI http://asc.fasb.org/extlink&amp;oid=124359900&amp;loc=SL124442526-122756<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -URI http://asc.fasb.org/extlink&amp;oid=124359900&amp;loc=SL124442526-122756<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -URI http://asc.fasb.org/extlink&amp;oid=124359900&amp;loc=SL124442526-122756<br><br>Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii))<br> -URI http://asc.fasb.org/extlink&amp;oid=124359900&amp;loc=SL124442526-122756<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=123596393&amp;loc=d3e14064-108612<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -URI http://asc.fasb.org/extlink&amp;oid=124359900&amp;loc=SL124442552-122756<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -URI http://asc.fasb.org/extlink&amp;oid=123419778&amp;loc=d3e5710-111685<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -URI http://asc.fasb.org/extlink&amp;oid=124359900&amp;loc=SL124442552-122756<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=116870748&amp;loc=SL6758485-165988<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8933-108599<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -URI http://asc.fasb.org/extlink&amp;oid=124359900&amp;loc=SL124442552-122756<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8906-108599<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124258926&amp;loc=SL82898722-210454<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26610-111562<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3044-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124098289&amp;loc=d3e6676-107765<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingencies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.25)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.(a),19)<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.17)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 450<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121557415&amp;loc=d3e14326-108349<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommitmentsAndContingencies</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Deposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, after allowance for credit loss, of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of income taxes previously overpaid to tax authorities (such as U.S. Federal, state and local tax authorities) representing refunds of overpayments or recoveries based on agreed-upon resolutions of disputes. Also called income tax refund receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.8)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Investments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all investments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.1(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Investments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19-26)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124433192&amp;loc=SL2890621-112765<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (d)<br> -URI 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
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</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(32))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=123596393&amp;loc=d3e14064-108612<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAndStockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after valuation allowance, of financing receivable held for sale and not part of disposal group. Excludes loan covered under loss sharing agreement and loan classified as investment in debt security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=124259787&amp;loc=d3e4428-111522<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 310<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124265262&amp;loc=d3e48678-111004<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466204&amp;loc=SL6031897-161870<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69C<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495737-112612<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69B<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495735-112612<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495340-112611<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherInterestEarningAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest earning assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherInterestEarningAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investments classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.1(f,g))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValueOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Value of all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by shareholders, which is net of related treasury stock. May be all or a portion of the number of preferred shares authorized. These shares represent the ownership interest of the preferred shareholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockValueOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(14))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 360<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124429447&amp;loc=SL124453093-239630<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RestrictedCashAndInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cash and investments whose use in whole or in part is restricted for the long-term, generally by contractual agreements or regulatory requirements. For use in an unclassified balance sheet.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 954<br> -SubTopic 210<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=120413173&amp;loc=SL6242262-115580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 954<br> -SubTopic 210<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=120413209&amp;loc=SL6242269-115581<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RestrictedCashAndInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 65<br> -Paragraph 15<br> -Subparagraph (g)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121322162&amp;loc=SL121327923-165333<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=124501264&amp;loc=SL117420844-207641<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=124501264&amp;loc=SL117420844-207641<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetainedEarningsAccumulatedDeficit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of stockholders' equity (deficit), net of receivables from officers, directors, owners, and affiliates of the entity, attributable to both the parent and noncontrolling interests. Amount excludes temporary equity. Alternate caption for the concept is permanent equity.</p></div>
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-SubTopic 10<br> -Section 65<br> -Paragraph 15<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=121322162&amp;loc=SL121327923-165333<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 848<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Publisher FASB<br> -Subparagraph (a)(3)(iii)(03)<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TradingSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in net income (trading).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26610-111562<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26610-111562<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TradingSecuritiesDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23315-112656<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29,30)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506328313624">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebtAmortizedCost', window );">Trading investments, cost</a></td>
<td class="nump">$ 29,049<span></span>
</td>
<td class="nump">$ 12,551<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Available-forsale investments at fair value, cost</a></td>
<td class="nump">2,535,568<span></span>
</td>
<td class="nump">1,986,957<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="nump">$ 1,165,335<span></span>
</td>
<td class="nump">$ 1,361,723<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value/stated value (in dollars per share)</a></td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="nump">$ 0.20<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized (in shares)</a></td>
<td class="nump">20,000,000<span></span>
</td>
<td class="nump">20,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="nump">$ 0.20<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="nump">1,125,000,000<span></span>
</td>
<td class="nump">1,125,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="nump">432,000,000.0<span></span>
</td>
<td class="nump">456,700,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AociTaxAttributableToParent', window );">Accumulated other comprehensive income, tax</a></td>
<td class="nump">$ 5,707<span></span>
</td>
<td class="num">$ (10,908)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockShares', window );">Common stock held in treasury (in shares)</a></td>
<td class="nump">153,100,000<span></span>
</td>
<td class="nump">81,400,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value/stated value (in dollars per share)</a></td>
<td class="nump">$ 100<span></span>
</td>
<td class="nump">$ 100<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares issued (in shares)</a></td>
<td class="nump">2,500,000<span></span>
</td>
<td class="nump">2,500,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AociTaxAttributableToParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of tax expense (benefit) allocated to accumulated other comprehensive income (loss) attributable to parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AociTaxAttributableToParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27161-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124258926&amp;loc=SL82898722-210454<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of common stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=SL123496158-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TradingSecuritiesDebtAmortizedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of investments in debt securities classified as trading.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TradingSecuritiesDebtAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29,30)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>22
<FILENAME>R5.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506329142664">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF INCOME - USD ($)<br> shares in Thousands, $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentIncomeInterestAndDividendAbstract', window );"><strong>Interest income:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeases', window );">Loans</a></td>
<td class="nump">$ 1,756,945<span></span>
</td>
<td class="nump">$ 1,989,004<span></span>
</td>
<td class="nump">$ 2,249,169<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating', window );">Investments</a></td>
<td class="nump">13,859<span></span>
</td>
<td class="nump">11,743<span></span>
</td>
<td class="nump">7,607<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_CashAndInvestmentsInterestIncomeLoss', window );">Cash and cash equivalents</a></td>
<td class="nump">6,040<span></span>
</td>
<td class="nump">20,913<span></span>
</td>
<td class="nump">74,256<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest income</a></td>
<td class="nump">1,776,844<span></span>
</td>
<td class="nump">2,021,660<span></span>
</td>
<td class="nump">2,331,032<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseAbstract', window );"><strong>Interest expense:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Deposits</a></td>
<td class="nump">225,370<span></span>
</td>
<td class="nump">393,194<span></span>
</td>
<td class="nump">547,746<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseShortTermBorrowings', window );">Interest expense on short-term borrowings</a></td>
<td class="nump">18,945<span></span>
</td>
<td class="nump">14,459<span></span>
</td>
<td class="nump">6,193<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseLongTermDebt', window );">Interest expense on long-term borrowings</a></td>
<td class="nump">137,763<span></span>
</td>
<td class="nump">134,014<span></span>
</td>
<td class="nump">153,778<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Total interest expense</a></td>
<td class="nump">382,078<span></span>
</td>
<td class="nump">541,667<span></span>
</td>
<td class="nump">707,717<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
<td class="nump">1,394,766<span></span>
</td>
<td class="nump">1,479,993<span></span>
</td>
<td class="nump">1,623,315<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal', window );">Less: provisions for credit losses</a></td>
<td class="num">(32,957)<span></span>
</td>
<td class="nump">93,133<span></span>
</td>
<td class="nump">354,249<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net interest income after provisions for credit losses</a></td>
<td class="nump">1,427,723<span></span>
</td>
<td class="nump">1,386,860<span></span>
</td>
<td class="nump">1,269,066<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeAbstract', window );"><strong>Non-interest income:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfNotesReceivable', window );">Gains on sales of loans, net</a></td>
<td class="nump">548,315<span></span>
</td>
<td class="nump">238,315<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnDerivativeInstrumentsNetPretax', window );">Gains on derivatives and hedging activities, net</a></td>
<td class="nump">144<span></span>
</td>
<td class="nump">49,544<span></span>
</td>
<td class="nump">17,825<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other income</a></td>
<td class="nump">83,990<span></span>
</td>
<td class="nump">43,590<span></span>
</td>
<td class="nump">31,102<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total non-interest income</a></td>
<td class="nump">632,449<span></span>
</td>
<td class="nump">331,449<span></span>
</td>
<td class="nump">48,927<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpenseAbstract', window );"><strong>Operating expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Compensation and benefits</a></td>
<td class="nump">258,321<span></span>
</td>
<td class="nump">282,497<span></span>
</td>
<td class="nump">278,229<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense', window );">FDIC assessment fees</a></td>
<td class="nump">23,368<span></span>
</td>
<td class="nump">21,956<span></span>
</td>
<td class="nump">32,852<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other operating expenses</a></td>
<td class="nump">236,964<span></span>
</td>
<td class="nump">233,635<span></span>
</td>
<td class="nump">263,172<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingExpenses', window );">Total operating expenses</a></td>
<td class="nump">518,653<span></span>
</td>
<td class="nump">538,088<span></span>
</td>
<td class="nump">574,253<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestructuringCharges', window );">Restructuring expenses</a></td>
<td class="nump">1,255<span></span>
</td>
<td class="nump">26,215<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total non-interest expenses</a></td>
<td class="nump">519,908<span></span>
</td>
<td class="nump">564,303<span></span>
</td>
<td class="nump">574,253<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income tax expense</a></td>
<td class="nump">1,540,264<span></span>
</td>
<td class="nump">1,154,006<span></span>
</td>
<td class="nump">743,740<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="nump">379,751<span></span>
</td>
<td class="nump">273,316<span></span>
</td>
<td class="nump">165,464<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">1,160,513<span></span>
</td>
<td class="nump">880,690<span></span>
</td>
<td class="nump">578,276<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendsIncomeStatementImpact', window );">Preferred stock dividends</a></td>
<td class="nump">4,736<span></span>
</td>
<td class="nump">9,734<span></span>
</td>
<td class="nump">16,837<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income attributable to SLM Corporation common stock</a></td>
<td class="nump">$ 1,155,777<span></span>
</td>
<td class="nump">$ 870,956<span></span>
</td>
<td class="nump">$ 561,439<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic earnings per common share (in usd per share)</a></td>
<td class="nump">$ 3.67<span></span>
</td>
<td class="nump">$ 2.27<span></span>
</td>
<td class="nump">$ 1.31<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Average common shares outstanding (in shares)</a></td>
<td class="nump">314,993<span></span>
</td>
<td class="nump">383,705<span></span>
</td>
<td class="nump">427,292<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted earnings per common share (in usd per share)</a></td>
<td class="nump">$ 3.61<span></span>
</td>
<td class="nump">$ 2.25<span></span>
</td>
<td class="nump">$ 1.30<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Average common and common equivalent shares outstanding (in shares)</a></td>
<td class="nump">319,912<span></span>
</td>
<td class="nump">387,195<span></span>
</td>
<td class="nump">430,674<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Declared dividends per common share (in usd per share)</a></td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="nump">$ 0.12<span></span>
</td>
<td class="nump">$ 0.12<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CashAndInvestmentsInterestIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cash and investments interest income (loss).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CashAndInvestmentsInterestIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable And Off-Balance Sheet, Credit Loss, Expense (Reversal)</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareDeclared">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate dividends declared during the period for each share of common stock outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockDividendsPerShareDeclared</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 40<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (e)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=123482062&amp;loc=SL123482106-238011<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22583-107794<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22694-107794<br><br>Reference 4: 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-Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1337-109256<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 40<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=123482062&amp;loc=SL123482106-238011<br><br>Reference 9: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=125512782&amp;loc=d3e4984-109258<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 11: 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10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1252-109256<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=SL5780133-109256<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense for Federal Deposit Insurance Corporation (FDIC) insurance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalDepositInsuranceCorporationPremiumExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnDerivativeInstrumentsNetPretax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate net gain (loss) on all derivative instruments recognized in earnings during the period, before tax effects.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5618551-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnDerivativeInstrumentsNetPretax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfNotesReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=121570589&amp;loc=d3e107425-111719<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSaleOfNotesReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8933-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8906-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8933-108599<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 20<br> -Section 25<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123384075&amp;loc=d3e41242-110953<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8736-108599<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 235<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-05(b)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399901&amp;loc=d3e537907-122884<br><br>Reference 9: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8924-108599<br><br>Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(15))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32672-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22663-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123586238&amp;loc=d3e38679-109324<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22658-107794<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1-5)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansAndLeases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndFeeIncomeLoansAndLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=124435984&amp;loc=d3e28555-108399<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (210.5-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate amount of interest expense on all deposits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseLongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate amount of interest paid or due on all long-term debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.8)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (a)<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (b)<br> -Subparagraph (1)<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseLongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseShortTermBorrowings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate interest expense incurred on short-term borrowings including commercial paper and Federal funds purchased and securities sold under agreements to repurchase.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (b)<br> -Subparagraph (1)<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (a)<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseShortTermBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income, amortization of premium and accretion of discount on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale); classified as operating.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net amount of operating interest income (expense).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.10)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentIncomeInterestAndDividendAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentIncomeInterestAndDividendAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense for salary, wage, profit sharing; incentive and equity-based compensation; and other employee benefit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(b)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LaborAndRelatedExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22595-107794<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1448-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22694-107794<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1377-109256<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124432515&amp;loc=d3e3550-109257<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8736-108599<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22694-107794<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=SL5780133-109256<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8933-108599<br><br>Reference 10: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8924-108599<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8906-108599<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22583-107794<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8933-108599<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total aggregate amount of all noninterest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestIncomeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeOtherOperatingIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of revenue earned, classified as other, excluding interest income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-03(1)(e))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868656-224227<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestIncomeOtherOperatingIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Generally recurring costs associated with normal operations except for the portion of these expenses which can be clearly related to production and included in cost of sales or services. Includes selling, general and administrative expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoninterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of noninterest expense classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherNoninterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendsIncomeStatementImpact">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of preferred stock dividends that is an adjustment to net income apportioned to common stockholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockDividendsIncomeStatementImpact</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expenses associated with exit or disposal activities pursuant to an authorized plan. Excludes expenses related to a discontinued operation or an asset retirement obligation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 420<br> -SubTopic 10<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109237686&amp;loc=d3e17752-110868<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 420<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 5.P.3)<br> -URI http://asc.fasb.org/extlink&amp;oid=115931487&amp;loc=d3e140864-122747<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 420<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 5.P.4(b)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=115931487&amp;loc=d3e140904-122747<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RestructuringCharges</td>
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<tr>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124432515&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1505-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124432515&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1448-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:sharesItemType</td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506335594184">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">$ 1,160,513<span></span>
</td>
<td class="nump">$ 880,690<span></span>
</td>
<td class="nump">$ 578,276<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract', window );"><strong>Other comprehensive income (loss):</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="num">(26,606)<span></span>
</td>
<td class="nump">7,764<span></span>
</td>
<td class="nump">7,993<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax', window );">Unrealized gains (losses) on cash flow hedges</a></td>
<td class="nump">48,111<span></span>
</td>
<td class="num">(36,511)<span></span>
</td>
<td class="num">(38,414)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossBeforeTax', window );">Total unrealized gains (losses)</a></td>
<td class="nump">21,505<span></span>
</td>
<td class="num">(28,747)<span></span>
</td>
<td class="num">(30,421)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossTax', window );">Income tax (expense) benefit</a></td>
<td class="num">(5,202)<span></span>
</td>
<td class="nump">6,914<span></span>
</td>
<td class="nump">7,431<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Other comprehensive income (loss), net of tax (expense) benefit</a></td>
<td class="nump">16,303<span></span>
</td>
<td class="num">(21,833)<span></span>
</td>
<td class="num">(22,990)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest', window );">Total comprehensive income</a></td>
<td class="nump">$ 1,176,816<span></span>
</td>
<td class="nump">$ 858,857<span></span>
</td>
<td class="nump">$ 555,286<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income. Excludes changes in equity resulting from investments by owners and distributions to owners.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 55<br> -Paragraph 4K<br> -URI http://asc.fasb.org/extlink&amp;oid=120409616&amp;loc=SL4591552-111686<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669619-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(20))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=123454820&amp;loc=SL4569616-111683<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669625-108580<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(24))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax and after adjustment, of unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669646-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=d3e637-108580<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before tax, after reclassification adjustments of other comprehensive income (loss).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=124431353&amp;loc=SL124442411-227067<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 45<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=118261656&amp;loc=d3e32211-110900<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6450520&amp;loc=d3e32583-110901<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109237563&amp;loc=d3e33775-111570<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 45<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=118261656&amp;loc=d3e32136-110900<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=124431353&amp;loc=SL124442407-227067<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax and before reclassification, of gain (loss) from derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=d3e637-108580<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax and reclassification adjustments of other comprehensive income (loss).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669619-108580<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=124431353&amp;loc=SL124442407-227067<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 45<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=118261656&amp;loc=d3e32136-110900<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 55<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=124507222&amp;loc=d3e1436-108581<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 45<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=118261656&amp;loc=d3e32211-110900<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6450520&amp;loc=d3e32583-110901<br><br>Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=124431353&amp;loc=SL124442411-227067<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669625-108580<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of tax expense (benefit) allocated to other comprehensive income (loss).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123586238&amp;loc=d3e39076-109324<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 45<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=118261656&amp;loc=d3e32136-110900<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 45<br> -Paragraph 20<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=118261656&amp;loc=d3e32211-110900<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123586238&amp;loc=d3e38679-109324<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=124431353&amp;loc=SL124442407-227067<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32672-109319<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6450520&amp;loc=d3e32583-110901<br><br>Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=d3e640-108580<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProfitLoss</td>
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<td><strong> Data Type:</strong></td>
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<td>credit</td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract</td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506318184104">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Total</div></th>
<th class="th"><div>Total Equity</div></th>
<th class="th">
<div>Total Equity </div>
<div>Cumulative Effect, Period of Adoption, Adjustment</div>
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<th class="th">
<div>Total Equity </div>
<div>Cumulative Effect, Period Of Adoption, Adjusted Balance</div>
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<th class="th">
<div>Total Equity </div>
<div>Series B Preferred Stock</div>
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<th class="th"><div>Preferred Stock</div></th>
<th class="th">
<div>Preferred Stock </div>
<div>Cumulative Effect, Period Of Adoption, Adjusted Balance</div>
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<th class="th">
<div>Preferred Stock </div>
<div>Series B Preferred Stock</div>
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<th class="th"><div>Common Stock</div></th>
<th class="th">
<div>Common Stock </div>
<div>Cumulative Effect, Period Of Adoption, Adjusted Balance</div>
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<th class="th"><div>Treasury Stock</div></th>
<th class="th">
<div>Treasury Stock </div>
<div>Cumulative Effect, Period Of Adoption, Adjusted Balance</div>
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<th class="th"><div>Additional Paid-In Capital</div></th>
<th class="th">
<div>Additional Paid-In Capital </div>
<div>Cumulative Effect, Period Of Adoption, Adjusted Balance</div>
</th>
<th class="th">
<div>Additional Paid-In Capital </div>
<div>Series B Preferred Stock</div>
</th>
<th class="th"><div>Accumulated Other Comprehensive Income (Loss)</div></th>
<th class="th">
<div>Accumulated Other Comprehensive Income (Loss) </div>
<div>Cumulative Effect, Period Of Adoption, Adjusted Balance</div>
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<th class="th"><div>Retained Earnings</div></th>
<th class="th">
<div>Retained Earnings </div>
<div>Cumulative Effect, Period of Adoption, Adjustment</div>
</th>
<th class="th">
<div>Retained Earnings </div>
<div>Cumulative Effect, Period Of Adoption, Adjusted Balance</div>
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<th class="th">
<div>Retained Earnings </div>
<div>Series B Preferred Stock</div>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesIssued', window );">Beginning balance, shares issued (in shares) at Dec. 31, 2018</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">449,856,221<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Beginning balance (in shares) at Dec. 31, 2018</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">435,681,488<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(14,174,733)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Beginning balance at Dec. 31, 2018</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2,972,656<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 400,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 89,972<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (142,591)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,274,635<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 10,623<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,340,017<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward', window );"><strong>Increase (Decrease) in Stockholders' Equity [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">$ 578,276<span></span>
</td>
<td class="nump">578,276<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">578,276<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Other comprehensive loss, net of tax</a></td>
<td class="num">(22,990)<span></span>
</td>
<td class="num">(22,990)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(22,990)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest', window );">Total comprehensive income</a></td>
<td class="nump">$ 555,286<span></span>
</td>
<td class="nump">555,286<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCashAbstract', window );"><strong>Cash dividends:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(51,114)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(51,114)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Preferred stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (16,837)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (16,837)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodShares', window );">Repurchase of Preferred Stock, series B (in shares)</a></td>
<td class="num">(1,369,630)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AdjustmentstoAdditionalPaidInCapitalDividendsEquivalentUnitsRelatedtoemployeeStockBasedCompensationPlans', window );">Dividend equivalent units related to employee stock-based compensation plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Issuance of common shares (in shares)</a></td>
<td class="nump">3,743,705<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,743,705<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Issuance of common shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,375<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 748<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,627<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30,538<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30,363<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">175<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="num">(16,962,199)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(16,962,199)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(16,962,199)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredParValueMethod', window );">Common stock repurchased</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(167,201)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (167,201)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation', window );">Shares repurchased related to employee stock-based compensation plans (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,369,630)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,369,630)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation', window );">Shares repurchased related to employee stock-based compensation plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(14,867)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (14,867)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Ending balance (in shares) at Dec. 31, 2019</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">421,093,364<span></span>
</td>
<td class="nump">421,093,364<span></span>
</td>
<td class="num">(32,506,562)<span></span>
</td>
<td class="num">(32,506,562)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesIssued', window );">Ending balance, shares issued (in shares) at Dec. 31, 2019</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,000,000<span></span>
</td>
<td class="nump">4,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">453,599,926<span></span>
</td>
<td class="nump">453,599,926<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Ending balance at Dec. 31, 2019</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,311,836<span></span>
</td>
<td class="num">$ (952,639)<span></span>
</td>
<td class="nump">$ 2,359,197<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 400,000<span></span>
</td>
<td class="nump">$ 400,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 90,720<span></span>
</td>
<td class="nump">$ 90,720<span></span>
</td>
<td class="num">$ (324,659)<span></span>
</td>
<td class="num">$ (324,659)<span></span>
</td>
<td class="nump">1,307,630<span></span>
</td>
<td class="nump">$ 1,307,630<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(12,367)<span></span>
</td>
<td class="num">$ (12,367)<span></span>
</td>
<td class="nump">1,850,512<span></span>
</td>
<td class="num">$ (952,639)<span></span>
</td>
<td class="nump">$ 897,873<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCashAbstract', window );"><strong>Cash dividends:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingStandardsUpdateExtensibleList', window );">Accounting Standards Update [Extensible Enumeration]</a></td>
<td class="text">Accounting Standards Update 2016-13<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">$ 880,690<span></span>
</td>
<td class="nump">880,690<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">880,690<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Other comprehensive loss, net of tax</a></td>
<td class="num">(21,833)<span></span>
</td>
<td class="num">(21,833)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(21,833)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest', window );">Total comprehensive income</a></td>
<td class="nump">$ 858,857<span></span>
</td>
<td class="nump">858,857<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(46,351)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(46,351)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Preferred stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(9,734)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(9,734)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodShares', window );">Repurchase of Preferred Stock, series B (in shares)</a></td>
<td class="num">(1,197,843)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,489,304)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodValue', window );">Repurchase of Preferred Stock, series B</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(68,055)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (148,930)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 80,875<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AdjustmentstoAdditionalPaidInCapitalDividendsEquivalentUnitsRelatedtoemployeeStockBasedCompensationPlans', window );">Dividend equivalent units related to employee stock-based compensation plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">271<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(281)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Issuance of common shares (in shares)</a></td>
<td class="nump">3,129,325<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,129,325<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Issuance of common shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,602<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 626<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,976<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">36,586<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">36,418<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">168<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="num">(47,736,847)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(47,736,847)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(47,736,847)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredParValueMethod', window );">Common stock repurchased</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(558,167)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (461,244)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(96,923)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation', window );">Shares repurchased related to employee stock-based compensation plans (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,197,843)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,197,843)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation', window );">Shares repurchased related to employee stock-based compensation plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(13,090)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (13,090)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Ending balance (in shares) at Dec. 31, 2020</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">375,287,999<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(81,441,252)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesIssued', window );">Ending balance, shares issued (in shares) at Dec. 31, 2020</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,510,696<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">456,729,251<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Ending balance at Dec. 31, 2020</a></td>
<td class="nump">$ 2,562,835<span></span>
</td>
<td class="nump">2,562,835<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 251,070<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 91,346<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (798,993)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,331,247<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(34,200)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,722,365<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward', window );"><strong>Increase (Decrease) in Stockholders' Equity [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">1,160,513<span></span>
</td>
<td class="nump">1,160,513<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,160,513<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Other comprehensive loss, net of tax</a></td>
<td class="nump">16,303<span></span>
</td>
<td class="nump">16,303<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">16,303<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest', window );">Total comprehensive income</a></td>
<td class="nump">$ 1,176,816<span></span>
</td>
<td class="nump">1,176,816<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCashAbstract', window );"><strong>Cash dividends:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(60,462)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(60,462)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Preferred stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (4,736)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (4,736)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodShares', window );">Repurchase of Preferred Stock, series B (in shares)</a></td>
<td class="num">(1,368,942)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AdjustmentstoAdditionalPaidInCapitalDividendsEquivalentUnitsRelatedtoemployeeStockBasedCompensationPlans', window );">Dividend equivalent units related to employee stock-based compensation plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(16)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">530<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(546)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Issuance of common shares (in shares)</a></td>
<td class="nump">3,786,581<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,786,581<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Issuance of common shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,891<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 757<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,134<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30,649<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30,649<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares', window );">Common stock repurchased and cancelled (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(28,502,460)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue', window );">Common stock repurchased and cancelled</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(472,560)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (5,700)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(466,860)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="num">(98,748,905)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(70,246,445)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(70,246,445)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredParValueMethod', window );">Common stock repurchased</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,067,583)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (1,242,267)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">174,684<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation', window );">Shares repurchased related to employee stock-based compensation plans (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,368,942)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,368,942)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation', window );">Shares repurchased related to employee stock-based compensation plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(20,123)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (20,123)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Ending balance (in shares) at Dec. 31, 2021</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">278,956,733<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(153,056,639)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesIssued', window );">Ending balance, shares issued (in shares) at Dec. 31, 2021</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,510,696<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">432,013,372<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Ending balance at Dec. 31, 2021</a></td>
<td class="nump">$ 2,149,711<span></span>
</td>
<td class="nump">$ 2,149,711<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 251,070<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 86,403<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (2,061,383)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,074,384<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (17,897)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2,817,134<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AdjustmentstoAdditionalPaidInCapitalDividendsEquivalentUnitsRelatedtoemployeeStockBasedCompensationPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjustments to Additional Paid In Capital, Dividends Equivalent Units Related to employee Stock-Based Compensation Plans</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AdjustmentstoAdditionalPaidInCapitalDividendsEquivalentUnitsRelatedtoemployeeStockBasedCompensationPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingStandardsUpdateExtensibleList">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicates amendment to accounting standards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123597120&amp;loc=SL121967933-165497<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123597120&amp;loc=SL121967933-165497<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 65<br> -Paragraph 15<br> -Subparagraph (f)(2)<br> -URI 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FASB<br> -Subparagraph (a)(2)<br><br>Reference 64: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 848<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Publisher FASB<br> -Subparagraph (a)(3)(iii)(01)<br><br>Reference 65: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 848<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Publisher FASB<br> -Subparagraph (a)(3)(iii)(03)<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingStandardsUpdateExtensibleList</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of decrease to equity for grantee's tax withholding obligation for award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase to additional paid-in capital (APIC) for recognition of cost for award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 20<br> -Section 55<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=122142933&amp;loc=d3e11149-113907<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5047-113901<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 20<br> -Section 55<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=122142933&amp;loc=d3e11178-113907<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 35<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123468992&amp;loc=d3e4534-113899<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income. Excludes changes in equity resulting from investments by owners and distributions to owners.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 55<br> -Paragraph 4K<br> -URI http://asc.fasb.org/extlink&amp;oid=120409616&amp;loc=SL4591552-111686<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669619-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(20))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=123454820&amp;loc=SL4569616-111683<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669625-108580<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(24))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsCashAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendsCashAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsCommonStockCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of paid and unpaid common stock dividends declared with the form of settlement in cash.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendsCommonStockCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsPreferredStockCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendsPreferredStockCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInStockholdersEquityRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax and reclassification adjustments of other comprehensive income (loss).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669619-108580<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=124431353&amp;loc=SL124442407-227067<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 45<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=118261656&amp;loc=d3e32136-110900<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 55<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=124507222&amp;loc=d3e1436-108581<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 45<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=118261656&amp;loc=d3e32211-110900<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6450520&amp;loc=d3e32583-110901<br><br>Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=124431353&amp;loc=SL124442411-227067<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669625-108580<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669619-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)(1)<br> -URI 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares of stock issued as of the balance sheet date, including shares that had been issued and were previously outstanding but which are now held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares issued which are neither cancelled nor held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares used to settle grantee's tax withholding obligation for award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of new stock issued during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesNewIssues</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueNewIssues">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodValueNewIssues</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares that have been repurchased and retired during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchasedAndRetiredDuringPeriodShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the value of stock that has been repurchased and retired during the period. The excess of the purchase price over par value can be charged against retained earnings (once the excess is fully allocated to additional paid in capital).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchasedAndRetiredDuringPeriodValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedDuringPeriodShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares that have been repurchased during the period and have not been retired and are not held in treasury. Some state laws may govern the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchasedDuringPeriodShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedDuringPeriodValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the value of stock that has been repurchased during the period and has not been retired and is not held in treasury. Some state laws may mandate the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchasedDuringPeriodValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of stockholders' equity (deficit), net of receivables from officers, directors, owners, and affiliates of the entity, attributable to both the parent and noncontrolling interests. Amount excludes temporary equity. Alternate caption for the concept is permanent equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=124436220&amp;loc=d3e21930-107793<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 45<br> -Paragraph 23<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124436220&amp;loc=d3e21914-107793<br><br>Reference 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-SubTopic 10<br> -Section 65<br> -Paragraph 15<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=121322162&amp;loc=SL121327923-165333<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 848<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Publisher FASB<br> -Subparagraph (a)(3)(iii)(03)<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockSharesAcquired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares that have been repurchased during the period and are being held in treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockSharesAcquired</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockValueAcquiredParValueMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the par value method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockValueAcquiredParValueMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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</html>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506335464344">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Parenthetical) - $ / shares<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Declared dividends per common share attributable to SLM Corporation (in dollars per share)</a></td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="nump">$ 0.12<span></span>
</td>
<td class="nump">$ 0.12<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendRatePerDollarAmount', window );">Preferred stock dividend rate (in dollars per share)</a></td>
<td class="nump">$ 1.89<span></span>
</td>
<td class="nump">$ 2.56<span></span>
</td>
<td class="nump">$ 4.21<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareDeclared">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate dividends declared during the period for each share of common stock outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockDividendsPerShareDeclared</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendRatePerDollarAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount per share used to calculated dividend payments on preferred stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=SL123496158-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockDividendRatePerDollarAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>26
<FILENAME>R9.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327698792">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CASH FLOWS<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2021 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Operating activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">$ 1,160,513<span></span>
</td>
<td class="nump">$ 880,690<span></span>
</td>
<td class="nump">$ 578,276<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash used in operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForDoubtfulAccounts', window );">Provisions for credit losses</a></td>
<td class="num">(32,957)<span></span>
</td>
<td class="nump">93,133<span></span>
</td>
<td class="nump">354,249<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred tax provision (benefit)</a></td>
<td class="nump">55,372<span></span>
</td>
<td class="nump">72,776<span></span>
</td>
<td class="num">(9,714)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AmortizationofBrokeredDepositPlacement', window );">Amortization of brokered deposit placement fee</a></td>
<td class="nump">15,516<span></span>
</td>
<td class="nump">19,401<span></span>
</td>
<td class="nump">17,788<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AmortizationofABCPUpfrontFee', window );">Amortization of Secured Borrowing Facility upfront fee</a></td>
<td class="nump">2,415<span></span>
</td>
<td class="nump">2,976<span></span>
</td>
<td class="nump">1,117<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet', window );">Amortization of deferred loan origination costs and loan premium/(discounts), net</a></td>
<td class="nump">16,103<span></span>
</td>
<td class="nump">24,152<span></span>
</td>
<td class="nump">13,049<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments', window );">Net amortization of discount on investments</a></td>
<td class="nump">7,310<span></span>
</td>
<td class="nump">6,350<span></span>
</td>
<td class="nump">2,069<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_InterestIncomeonTaxIndemnificationReceivable', window );">Reduction of tax indemnification receivable</a></td>
<td class="nump">10,445<span></span>
</td>
<td class="nump">9,066<span></span>
</td>
<td class="nump">11,649<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation of premises and equipment</a></td>
<td class="nump">16,043<span></span>
</td>
<td class="nump">15,066<span></span>
</td>
<td class="nump">14,669<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation expense</a></td>
<td class="nump">30,649<span></span>
</td>
<td class="nump">36,464<span></span>
</td>
<td class="nump">30,600<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrealizedGainLossOnDerivatives', window );">Unrealized (gains) losses on derivative and hedging activities, net</a></td>
<td class="nump">23,249<span></span>
</td>
<td class="num">(10,333)<span></span>
</td>
<td class="num">(19,046)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfNotesReceivable', window );">Gains on sale of loans, net</a></td>
<td class="num">(548,315)<span></span>
</td>
<td class="num">(238,315)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnDispositionOfAssets1', window );">Gain on sale of Upromise subsidiary, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(11,331)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoncashIncomeExpense', window );">Other adjustments to net income, net</a></td>
<td class="num">(23,410)<span></span>
</td>
<td class="nump">8,810<span></span>
</td>
<td class="nump">3,724<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract', window );"><strong>Changes in operating assets and liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet', window );">Increase in accrued interest receivable</a></td>
<td class="num">(743,757)<span></span>
</td>
<td class="num">(876,703)<span></span>
</td>
<td class="num">(963,885)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_IncreaseDecreaseInNonMarketableSecuritiesNet', window );">Increase in non-marketable securities</a></td>
<td class="num">(9,969)<span></span>
</td>
<td class="num">(839)<span></span>
</td>
<td class="num">(10,700)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets', window );">Decrease (increase) in other interest-earning assets</a></td>
<td class="nump">33,219<span></span>
</td>
<td class="nump">9,690<span></span>
</td>
<td class="num">(25,407)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Increase in other assets</a></td>
<td class="num">(123,268)<span></span>
</td>
<td class="num">(50,454)<span></span>
</td>
<td class="num">(3,091)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_IncreaseDecreaseinincometaxpayabletorelatedparty', window );">Increase (decrease) in income tax payable, net</a></td>
<td class="nump">72,191<span></span>
</td>
<td class="num">(45,611)<span></span>
</td>
<td class="num">(30,191)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInInterestPayableNet', window );">(Decrease) increase in accrued interest payable</a></td>
<td class="num">(13,672)<span></span>
</td>
<td class="num">(14,602)<span></span>
</td>
<td class="nump">13,817<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccountsReceivable', window );">Decrease in Upromise member accounts due to sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(193,840)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Increase in other liabilities</a></td>
<td class="nump">2,801<span></span>
</td>
<td class="nump">80,785<span></span>
</td>
<td class="nump">5,386<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities', window );">Total adjustments</a></td>
<td class="num">(1,210,035)<span></span>
</td>
<td class="num">(1,063,359)<span></span>
</td>
<td class="num">(593,917)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Total net cash used in operating activities</a></td>
<td class="num">(49,522)<span></span>
</td>
<td class="num">(182,669)<span></span>
</td>
<td class="num">(15,641)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Investing activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_StudentLoansacquiredandoriginated', window );">Loans acquired and originated</a></td>
<td class="num">(5,511,845)<span></span>
</td>
<td class="num">(5,378,283)<span></span>
</td>
<td class="num">(6,138,105)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_Netproceedsfromsalesofstudentloansheldforinvestment', window );">Net proceeds from sales of loans held for investment</a></td>
<td class="nump">4,642,505<span></span>
</td>
<td class="nump">3,875,737<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ProceedsfromClaimpayments', window );">Proceeds from claim payments</a></td>
<td class="nump">19,386<span></span>
</td>
<td class="nump">28,709<span></span>
</td>
<td class="nump">42,869<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_Netincreasedecreaseinloansheldforinvestment', window );">Net decrease in loans held for investment</a></td>
<td class="nump">3,845,990<span></span>
</td>
<td class="nump">3,832,991<span></span>
</td>
<td class="nump">4,094,021<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt', window );">Purchases of available-for-sale securities</a></td>
<td class="num">(1,257,129)<span></span>
</td>
<td class="num">(2,083,261)<span></span>
</td>
<td class="num">(356,414)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities', window );">Proceeds from sales and maturities of available-for-sale securities</a></td>
<td class="nump">865,766<span></span>
</td>
<td class="nump">654,515<span></span>
</td>
<td class="nump">50,915<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSalesOfAssetsInvestingActivities', window );">Proceeds from the sale of Upromise subsidiary, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">16,922<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Total net cash provided by (used in) investing activities</a></td>
<td class="nump">2,604,673<span></span>
</td>
<td class="nump">947,330<span></span>
</td>
<td class="num">(2,306,714)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Financing activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_Cashpaidforbrokereddepositplacementfee', window );">Brokered deposit placement fee</a></td>
<td class="num">(12,565)<span></span>
</td>
<td class="num">(4,810)<span></span>
</td>
<td class="num">(27,978)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit', window );">Net (decrease) increase in certificates of deposit</a></td>
<td class="num">(2,130,728)<span></span>
</td>
<td class="num">(2,428,094)<span></span>
</td>
<td class="nump">4,349,741<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetincreaseinMMDAdeposits', window );">Net increase in other deposits</a></td>
<td class="nump">393,306<span></span>
</td>
<td class="nump">704,382<span></span>
</td>
<td class="nump">923,793<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_BorrowingsCollateralizedByLoansInTrustIssued', window );">Borrowings collateralized by loans in securitization trusts - issued</a></td>
<td class="nump">1,585,125<span></span>
</td>
<td class="nump">1,338,641<span></span>
</td>
<td class="nump">1,105,594<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_BorrowingsCollateralizedByLoansInTrustRepaid', window );">Borrowings collateralized by loans in securitization trusts - repaid</a></td>
<td class="num">(1,143,738)<span></span>
</td>
<td class="num">(1,003,327)<span></span>
</td>
<td class="num">(1,042,892)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfCommercialPaper', window );">Borrowings under Secured Borrowing Facility</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">297,800<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfCommercialPaper', window );">Repayment of borrowings under Secured Borrowing Facility</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(289,230)<span></span>
</td>
<td class="num">(8,570)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetIncreaseDecreaseinUpfrontLoanFees', window );">Fees paid - Secured Borrowing Facility</a></td>
<td class="num">(2,846)<span></span>
</td>
<td class="num">(3,256)<span></span>
</td>
<td class="num">(1,116)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt', window );">Unsecured debt issued</a></td>
<td class="nump">492,135<span></span>
</td>
<td class="nump">495,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfUnsecuredDebt', window );">Unsecured debt repaid</a></td>
<td class="num">(202,784)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Preferred stock dividends paid</a></td>
<td class="num">(4,736)<span></span>
</td>
<td class="num">(9,734)<span></span>
</td>
<td class="num">(16,837)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock', window );">Repurchase of Series B Preferred Stock</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(68,055)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Common stock dividends paid</a></td>
<td class="num">(60,462)<span></span>
</td>
<td class="num">(46,351)<span></span>
</td>
<td class="num">(51,114)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Common stock repurchased</a></td>
<td class="num">(1,530,683)<span></span>
</td>
<td class="num">(558,167)<span></span>
</td>
<td class="num">(167,201)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash (used in) provided by financing activities</a></td>
<td class="num">(2,619,516)<span></span>
</td>
<td class="num">(1,875,712)<span></span>
</td>
<td class="nump">5,361,220<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect', window );">Net (decrease) increase in cash, cash equivalents and restricted cash</a></td>
<td class="num">(64,365)<span></span>
</td>
<td class="num">(1,111,051)<span></span>
</td>
<td class="nump">3,038,865<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash, cash equivalents and restricted cash at beginning of year</a></td>
<td class="nump">4,609,709<span></span>
</td>
<td class="nump">5,720,760<span></span>
</td>
<td class="nump">2,681,895<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash, cash equivalents and restricted cash at end of year</a></td>
<td class="nump">4,545,344<span></span>
</td>
<td class="nump">4,609,709<span></span>
</td>
<td class="nump">5,720,760<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SupplementalCashFlowInformationAbstract', window );"><strong>Cash disbursements made for:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPaidNet', window );">Interest</a></td>
<td class="nump">359,684<span></span>
</td>
<td class="nump">517,444<span></span>
</td>
<td class="nump">666,018<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaid', window );">Income taxes paid</a></td>
<td class="nump">261,473<span></span>
</td>
<td class="nump">248,122<span></span>
</td>
<td class="nump">201,792<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIncomeTaxRefunds', window );">Income taxes refunded</a></td>
<td class="num">(8,614)<span></span>
</td>
<td class="num">(6,219)<span></span>
</td>
<td class="num">(853)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract', window );"><strong>Reconciliation of the Consolidated Statements of Cash Flows to the Consolidated Balance Sheets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">4,334,603<span></span>
</td>
<td class="nump">4,455,292<span></span>
</td>
<td class="nump">5,563,877<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestments', window );">Restricted cash</a></td>
<td class="nump">210,741<span></span>
</td>
<td class="nump">154,417<span></span>
</td>
<td class="nump">156,883<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Total cash, cash equivalents and restricted cash</a></td>
<td class="nump">4,545,344<span></span>
</td>
<td class="nump">4,609,709<span></span>
</td>
<td class="nump">5,720,760<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_CollateralizedSecuritiesMember', window );">Collateralized Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Financing activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDebtIssuanceCosts', window );">Issuance costs for collateralized borrowings and unsecured debt offering</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,402)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_UnsecuredDebtMember', window );">Unsecured Debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Financing activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDebtIssuanceCosts', window );">Issuance costs for collateralized borrowings and unsecured debt offering</a></td>
<td class="num">$ (1,540)<span></span>
</td>
<td class="num">$ (1,309)<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AmortizationofABCPUpfrontFee">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amortization of ABCP Upfront Fee</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AmortizationofABCPUpfrontFee</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AmortizationofBrokeredDepositPlacement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>amortization of brokered deposit placement</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AmortizationofBrokeredDepositPlacement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_BorrowingsCollateralizedByLoansInTrustIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Borrowings Collateralized By Loans In Trust Issued</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_BorrowingsCollateralizedByLoansInTrustIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_BorrowingsCollateralizedByLoansInTrustRepaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Borrowings Collateralized By Loans In Trust Repaid</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_BorrowingsCollateralizedByLoansInTrustRepaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_Cashpaidforbrokereddepositplacementfee">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cash paid for brokered deposit placement fee</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_Cashpaidforbrokereddepositplacementfee</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_IncreaseDecreaseInNonMarketableSecuritiesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) In Non-Marketable Securities, Net</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_IncreaseDecreaseInNonMarketableSecuritiesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_IncreaseDecreaseinincometaxpayabletorelatedparty">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) in income tax payable to related party</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_IncreaseDecreaseinincometaxpayabletorelatedparty</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_InterestIncomeonTaxIndemnificationReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Interest Income on Tax Indemnification Receivable</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_InterestIncomeonTaxIndemnificationReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetIncreaseDecreaseinUpfrontLoanFees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Increase (Decrease) in Upfront Loan Fees</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetIncreaseDecreaseinUpfrontLoanFees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net increase (decrease) in brokered certificates of deposit</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_Netincreasedecreaseinbrokeredcertificatesofdeposit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_Netincreasedecreaseinloansheldforinvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net (increase) decrease in loans held for investment</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_Netincreasedecreaseinloansheldforinvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetincreaseinMMDAdeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net increase in MMDA deposits</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetincreaseinMMDAdeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_Netproceedsfromsalesofstudentloansheldforinvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net proceeds from sales of student loans held for investment</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_Netproceedsfromsalesofstudentloansheldforinvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_ProceedsfromClaimpayments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Proceeds from Claim payments</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ProceedsfromClaimpayments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_StudentLoansacquiredandoriginated">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Student Loans acquired and originated</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_StudentLoansacquiredandoriginated</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The sum of adjustments which are added to or deducted from net income or loss, including the portion attributable to noncontrolling interest, to reflect cash provided by or used in operating activities, in accordance with the indirect cash flow method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net increase(decrease) in interest income during the period representing the allocation of deferred loan origination fees less deferred loan origination costs using the effective interest method over the term of the debt arrangement to which they pertain taking into account the effect of prepayments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 35<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=124402152&amp;loc=d3e8622-111531<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AmortizationOfDeferredLoanOriginationFeesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3044-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124098289&amp;loc=d3e6676-107765<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash and cash equivalents, and cash and cash equivalents restricted to withdrawal or usage. Excludes amount for disposal group and discontinued operations. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3521-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3044-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=123431023&amp;loc=SL98516268-108586<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in cash, cash equivalents, and cash and cash equivalents restricted to withdrawal or usage; including effect from exchange rate change. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123444420&amp;loc=d3e33268-110906<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.Fact.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.Fact.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Depreciation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Depreciation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnDispositionOfAssets1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale or disposal of assets, including but not limited to property plant and equipment, intangible assets and equity in securities of subsidiaries or equity method investee.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnDispositionOfAssets1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfNotesReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=121570589&amp;loc=d3e107425-111719<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSaleOfNotesReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123431023&amp;loc=d3e4297-108586<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3536-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxesPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccountsReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in amount due within one year (or one business cycle) from customers for the credit sale of goods and services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInAccountsReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in the amount due from borrowers for interest payments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInInterestPayableNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in interest payable, which represents the amount owed to note holders, bond holders, and other parties for interest earned on loans or credit extended to the reporting entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInInterestPayableNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOperatingAssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOtherOperatingLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPaidNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash paid for interest, excluding capitalized interest, classified as operating activity. Includes, but is not limited to, payment to settle zero-coupon bond for accreted interest of debt discount and debt instrument with insignificant coupon interest rate in relation to effective interest rate of borrowing attributable to accreted interest of debt discount.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123431023&amp;loc=d3e4297-108586<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 17<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3367-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3536-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestPaidNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3536-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3521-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoncashIncomeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of income (expense) included in net income that results in no cash inflow (outflow), classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherNoncashIncomeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net cash outflow or inflow for the increase (decrease) in other interest earning assets not separately disclosed.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123398031&amp;loc=d3e60009-112784<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to reacquire common stock during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForRepurchaseOfCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDebtIssuanceCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow paid to third parties in connection with debt origination, which will be amortized over the remaining maturity period of the associated long-term debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDebtIssuanceCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow in the form of ordinary dividends to common shareholders of the parent entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDividendsCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow in the form of ordinary dividends to preferred shareholders of the parent entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow to acquire investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3213-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3151-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26853-111562<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIncomeTaxRefunds">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash received during the period as refunds for the overpayment of taxes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3536-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123431023&amp;loc=d3e4297-108586<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromIncomeTaxRefunds</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfCommercialPaper">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from borrowing by issuing commercial paper.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3255-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromIssuanceOfCommercialPaper</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Proceeds from issuance of capital stock which provides for a specific dividend that is paid to the shareholders before any dividends to common stockholders and which takes precedence over common stockholders in the event of liquidation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3255-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the issuance of long-term debt that is not secured by collateral. Excludes proceeds from tax exempt unsecured debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3255-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromIssuanceOfUnsecuredDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from sale, maturity, prepayment and call of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3151-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3179-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26853-111562<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSalesOfAssetsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate cash proceeds received from a combination of transactions that are classified as investing activities in which assets, which may include one or more investments, are sold to third-party buyers. This element can be used by entities to aggregate proceeds from all asset sales that are classified as investing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSalesOfAssetsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669619-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)(1)<br> -URI 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10<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -URI http://asc.fasb.org/extlink&amp;oid=124359900&amp;loc=SL124442526-122756<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -URI http://asc.fasb.org/extlink&amp;oid=124359900&amp;loc=SL124442552-122756<br><br>Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=124431353&amp;loc=SL124452729-227067<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI 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FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22658-107794<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForDoubtfulAccounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense (reversal of expense) for expected credit loss on accounts receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(5))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForDoubtfulAccounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RepaymentsOfCommercialPaper">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow due to repaying amounts borrowed by issuing commercial paper.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RepaymentsOfCommercialPaper</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RepaymentsOfUnsecuredDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to repay long-term debt that is not secured by collateral. Excludes repayments of tax exempt unsecured debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RepaymentsOfUnsecuredDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RestrictedCashAndInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cash and investments whose use in whole or in part is restricted for the long-term, generally by contractual agreements or regulatory requirements. For use in an unclassified balance sheet.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 954<br> -SubTopic 210<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=120413173&amp;loc=SL6242262-115580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 954<br> -SubTopic 210<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=120413209&amp;loc=SL6242269-115581<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of noncash expense for share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net change in the difference between the fair value and the carrying value, or in the comparative fair values, of derivative instruments, including options, swaps, futures, and forward contracts, held at each balance sheet date, that was included in earnings for the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326798088">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Organization and Business<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract', window );"><strong>Organization, Consolidation and Presentation of Financial Statements [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock', window );">Organization and Business</a></td>
<td class="text">Organization and Business <div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">SLM Corporation (&#8220;Sallie Mae,&#8221; &#8220;SLM,&#8221; the &#8220;Company,&#8221; &#8220;we,&#8221; &#8220;our,&#8221; or &#8220;us&#8221;) is a holding company that operates through a number of subsidiaries and is the premier brand for college and continuous education. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While the Sallie Mae name has existed for more than 40 years, the company that operates as Sallie Mae today, SLM Corporation, was formed in late 2013 and includes its wholly-owned subsidiary, Sallie Mae Bank, an industrial bank established in 2005 (the &#8220;Bank&#8221;). On April 30, 2014, we legally separated (the &#8220;Spin-Off&#8221;) from another public company that is now named Navient Corporation (&#8220;Navient&#8221;), which is in the education loan management, servicing, asset recovery, and consolidation loan business. We are a consumer banking business and did not retain any assets or liabilities generated prior to the Spin-Off other than those explicitly retained by us. We sometimes refer to the company that existed prior to the Spin-Off as &#8220;pre-Spin-Off SLM.&#8221; </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank was formed in 2005 to fund and originate Private Education Loans (as hereinafter defined) on behalf of pre-Spin-Off SLM. While the Bank first originated Private Education Loans in February 2006, pre-Spin-Off SLM continued to purchase a portion of its Private Education Loans from third-party lending partners through mid-2009. With some minor exceptions, the Bank became the sole originator of Private Education Loans for pre-Spin-Off SLM beginning with the 2009-2010 academic year, the first academic year following the launch of the Bank&#8217;s Smart Option Student Loan program in mid-2009. </span></div>Our primary business is to originate and service loans we make to students and their families to finance the cost of their education. We use &#8220;Private Education Loans&#8221; to mean education loans to students or their families that are not made, insured, or guaranteed by any state or federal government. Private Education Loans do not include loans insured or guaranteed under the Federal Family Education Loan Program (&#8220;FFELP Loans&#8221;). The core of our marketing strategy is to generate Private Education Loan originations by promoting our products on campuses through the financial aid offices as well as through online and direct marketing to students and their families. The Bank is regulated by the Utah Department of Financial Institutions (the &#8220;UDFI&#8221;), the Federal Deposit Insurance Corporation (the &#8220;FDIC&#8221;), and the Consumer Financial Protection Bureau (the &#8220;CFPB&#8221;).<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for organization, consolidation and basis of presentation of financial statements disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 205<br> -URI http://asc.fasb.org/topic&amp;trid=2122149<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -URI http://asc.fasb.org/topic&amp;trid=2197479<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506335641400">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SignificantAccountingPoliciesTextBlock', window );">Significant Accounting Policies</a></td>
<td class="text">Significant Accounting Policies <div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Use of Estimates and Assumptions</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The financial reporting and accounting policies of SLM Corporation conform to generally accepted accounting principles in the United States of America (&#8220;GAAP&#8221;). The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Key accounting policies that include significant judgments and estimates include the valuation of allowance for credit losses.</span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Consolidation</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The consolidated financial statements include the accounts of SLM Corporation and its majority-owned and controlled subsidiaries after eliminating the effects of intercompany accounts and transactions.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We consolidate any variable interest entity (&#8220;VIE&#8221;) where we have determined we are the primary beneficiary.  The primary beneficiary is the entity which has both: (i) the power to direct the activities of the VIE that most significantly impact the VIE&#8217;s economic performance; and (ii) the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE.  </span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Cash and Cash Equivalents </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash and cash equivalents include cash held in the Federal Reserve Bank of San Francisco (the &#8220;FRB&#8221;) and commercial bank accounts, and other short-term liquid instruments with original maturities of three months or less. Fees associated with investing cash and cash equivalents are amortized into interest income using the effective interest rate method. </span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Trading Investments </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We periodically sell Private Education Loans through securitization transactions where we are required to retain a five percent vertical risk retention interest (i.e., five percent of each class issued in the securitizations). We classified those vertical risk retention interests related to the transactions as available-for-sale investments, except for the interest in the residual classes, which we classified as trading investments recorded at fair value with changes recorded through earnings. </span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Available-for-Sale Investments</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investments consisted of mortgage-backed securities, Utah Housing Corporation bonds, and U.S. government-sponsored enterprises and Treasury securities. We record our investment purchases and sales on a trade date basis. The amortized cost of debt securities is adjusted for amortization of premiums and accretion of discounts, which are amortized using the effective interest rate method. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our investments are classified as available-for-sale and reported at fair value. Unrealized gains or losses on available-for-sale investments are recorded in equity and reported as a component of other comprehensive income (loss), net of applicable income taxes.  </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We assess unrealized losses on available-for-sale debt securities that we have the ability and intent to hold for a period of time sufficient to recover the amortized cost of the security, for the purpose of determining credit impairment. If any credit impairment exists, an allowance for losses is established for the amount of the unrealized loss that is determined to be credit-related. </span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other Investments</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We hold investments in non-marketable securities and account for these investments at cost, less impairment, plus or minus observable price changes of identical or similar securities of the same issuer.&#160; </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also invest in affordable housing projects that qualify for the low income housing tax credit (&#8220;LIHTC&#8221;), which is designed to promote private development of low income housing. These investments generate a return mostly through realization of federal tax credits. </span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loans Held for Investment</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans, consisting of Private Education Loans, FFELP Loans, and our suite of credit cards (&#8220;Credit Cards&#8221;) that we have the ability and intent to hold for the foreseeable future, are classified as held for investment, and are carried at amortized cost. Amortized cost includes the unamortized premiums, discounts, and capitalized origination costs and fees, all of which are amortized to interest income as discussed under &#8220;Loan Interest Income.&#8221; Loans which are held for investment are reported net of an allowance for credit losses.</span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loans Held for Sale</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any loans we have not classified as held for investment are classified as held-for-sale and are carried at the lower of cost or fair value. Loans are classified as held-for-sale when we have the intent and ability to sell such loans. Loans which are held-for-sale do not have the associated premium, discount, and capitalized origination costs and fees amortized into interest income. When a decision has been made to sell loans not previously classified as held for sale, such loans are transferred into the held-for-sale classification and carried at the lower of amortized cost basis (which excludes any allowance for credit losses) or fair value.  At the time of the transfer to the held-for-sale classification, any amount by which the amortized cost basis exceeds fair value is accounted for as a valuation allowance.  In addition, once a loan is classified as held-for-sale, we reverse any allowance for loan loss applicable to these loans.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As market conditions permit, we may sell or securitize loans as a source of financing for other loans. Due to varying structuring terms, certain transactions may qualify for sale treatment while others do not qualify for sale treatment and are recorded as financings. All of our education loans are initially categorized as held for investment. It is only when we have selected the loans to sell or securitize and the transaction qualifies as a sale that we transfer the loans into the held-for-sale classification and carry them at the lower of cost or fair value. If we anticipate recognizing a gain related to the impending securitization or sale, then the fair value of the loans is higher than their respective cost basis and no valuation allowance is recorded.</span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Restricted Cash</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Restricted cash primarily includes amounts held in student loan securitization trusts and other secured borrowings. This cash must be used to make payments related to trust obligations. Amounts on deposit in these accounts are primarily the result of timing differences between when principal and interest is collected on the trust assets and when principal and interest is paid on trust liabilities. </span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Adoption of CECL</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 1, 2020, we adopted the Financial Accounting Standards Board&#8217;s (&#8220;FASB&#8217;s&#8221;) Accounting Standard Update (&#8220;ASU&#8221;) No. 2016-13, &#8220;Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&#8221; (&#8220;CECL&#8221;). Under this guidance, for all loans carried at amortized cost, upon loan origination we are required to measure our allowance for credit losses based on our estimate of all current expected credit losses over the remaining contractual term of the assets. Updates to that estimate each period are recorded through provision expense. The estimate of loan losses must be based on historical experience, current conditions, and reasonable and supportable forecasts. The ASU does not mandate the use of any specific method for estimating credit loss, permitting companies to use judgment in selecting the approach that is most appropriate in their circumstances. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Adoption of the standard had a material impact on how we record and report our financial condition and results of operations, and on regulatory capital. The following table illustrates the impact of the cumulative effect adjustment made upon adoption of CECL on January 1, 2020:</span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:63.611%"><tr><td style="width:1.0%"/><td style="width:34.489%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.638%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.458%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.891%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.768%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.891%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.865%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">January 1, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As reported under CECL</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Pre-CECL Adoption</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Impact of CECL Adoption</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,435,130&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,060,830&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,485&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,852&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">145,060&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79,183&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">188&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,584,965&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">441,912&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,143,053&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax asset</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">415,540&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">109,369&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">306,171&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Off-balance sheet exposures</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">118,239&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,481&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">115,758&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Equity:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Retained Earnings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">897,873&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,850,512&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(952,639)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This transition adjustment shown above is inclusive of qualitative adjustments incorporated into our CECL allowance as necessary, to address any limitations in the models used. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopt</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">CECL during the 2020 calendar year, including the Bank, may elect to delay for two years, and then phase in over the following three years, the effects on regulatory capital of CECL relative to the incurred loss methodology. The Bank has elected to use this option. Therefore, the regulatory capital impact of the Bank&#8217;s transition adjustments recorded on January 1, 2020 from the adoption of CECL, and 25 percent of the ongoing impact of CECL on the Bank&#8217;s allowance for credit losses, retained earnings, and average total consolidated assets, each as reported for regulatory capital purposes (collectively, the &#8220;adjusted transition amounts&#8221;), were deferred for the two-year period ending January 1, 2022. From January 1, 2022 to January 1, 2025, the adjusted transition amounts will be phased in for regulatory capital purposes at a rate of 25 percent per year, with the phased-in amounts included in regulatory capital at the beginning of each year. For additional information, see Note 18, &#8220;Regulatory Capital.&#8221;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain an allowance for credit losses for the lifetime expected credit losses on loans in our portfolios, as well as for future loan commitments, at the reporting date. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In determining the lifetime expected credit losses on our Private Education Loan portfolio loan segments, we use a discounted cash flow model. This method requires us to project future principal and interest cash flows on our loans in those portfolios. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To estimate the future expected cash flows, we use a vintage-based model that considers life of loan loss expectations, prepayments (both voluntary and involuntary), defaults, recoveries, and any other adjustments deemed necessary, to determine the adequacy of the allowance at each balance sheet date. These cash flows are discounted at the loan&#8217;s effective interest rate to calculate the present value of those cash flows. Management adjusts the effective interest rate used to discount expected cash flows to incorporate expected prepayments. The difference between the present value of those cash flows and the amortized cost basis of the underlying loans is the allowance for credit losses. Entities that measure credit losses based on the present value of expected future cash flows are permitted to report the entire change in present value as credit loss expense, but may alternatively report the change in present value due to the passage of time as interest income. We have elected to report the entire change in present value as credit loss expense.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In determining the loss rates used for the vintage-based approach, we start with our historical loss rates, stratify the loans within each vintage, and then adjust the loss rates based upon economic factors forecasted over a reasonable and supportable forecast period. The reasonable and supportable forecast period is meant to represent the period in which we </span></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">believe we can estimate the impact of forecasted economic factors in our expected losses. At the end of the reasonable and supportable forecast period, we immediately revert our forecast of expected losses to our historical averages. We use a two-year reasonable and supportable forecast period, although this period is subject to change as our view evolves on our ability to reasonably forecast economic conditions to estimate future losses.  </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating our current expected credit losses, we use a combination of expected economic scenarios coupled with our historical experience to derive a base case adjusted for any qualitative factors (as described below). We also develop an adverse and favorable economic scenario. At each reporting date, we determine the appropriate weighting of these alternate scenarios based upon the current economic conditions and our view of the risks of alternate outcomes. This weighting of expectations is used in calculating our current expected credit losses recorded each period.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating recoveries, we use both estimates of what we would receive from the sale of defaulted loans as well as historical borrower payment behavior to estimate the timing and amount of future recoveries on charged-off loans.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use historical experience and economic forecasts to estimate future prepayment speeds. As with our loss forecasts, at the end of the two-year reasonable and supportable forecast for prepayments, we immediately revert to our historical long-term prepayment rates. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the above modeling approach, we also take certain other qualitative factors into consideration when calculating the allowance for credit losses. These qualitative factors include, but are not limited to, changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not already included in the analysis, and the effect of other external factors such as legal and regulatory requirements on the level of estimated current expected credit losses.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The evaluation of the allowance for credit losses is inherently subjective, as it requires material estimates that may be susceptible to significant changes. If actual future performance in delinquency, charge-offs, and recoveries is significantly different than estimated, or management assumptions or practices were to change, this could materially affect the estimate of the allowance for credit losses, the timing of when losses are recognized, and the related provision for credit losses on our consolidated statements of income.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When calculating our allowance for credit losses and liability for unfunded commitments, we incorporate several inputs that are subject to change period to period. These include, but are not limited to, CECL model inputs and any overlays deemed necessary by management. The most impactful CECL model inputs include: </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Economic forecasts;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Weighting of economic forecasts;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Prepayment speeds; and</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Recovery rates.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management overlays can encompass a broad array of factors not captured by model inputs, including but not limited to, changes in servicing policies, collection administrative practices, state law changes that could impact servicing and collection practices, and observed differences between forecasted and actual results. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Below we describe in further detail our policies and procedures for the allowance for credit losses as they relate to our Private Education Loan, Credit Card, and FFELP Loan portfolios. During the third quarter of 2020, we sold our entire Personal Loan portfolio. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Private Education Loan Losses - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the key assumptions/estimates described above, some estimates are unique to our Private Education Loan portfolio. Estimates are made on our Private Education Loans regarding when each borrower will separate from school. The cash flow timing of when a borrower will begin making full principal and interest payments is dependent upon when the student either graduates or leaves school. These dates can change based upon many factors. We receive information regarding projected graduation dates from a third-party clearinghouse. The separation from school date is updated quarterly based on updated information received from the clearinghouse.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, when we have a contractual obligation to fund a loan or a portion of a loan at a later date, we make an estimate regarding the percentage of this obligation that will be funded. This estimate is based on historical experience. For unfunded commitments, we recognize the related life of loan allowance as a liability. Once the loan is funded, that liability transfers to the allowance for Private Education Loan losses.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Key Credit Quality Indicators - Private Education Loans - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We determine the collectability of our Private Education Loan portfolio by evaluating certain risk characteristics. We consider credit score at original approval and periodically refreshed/updated credit scores through the loan&#8217;s term, existence of a cosigner, loan status, and loan seasoning as the key credit quality indicators because they have the most significant effect on the determination of the adequacy of our allowance for credit losses. Credit scores are an indicator of the creditworthiness of borrowers and the higher the credit scores the more likely it is the borrowers will be able to make all of their contractual payments. Loan status affects the credit risk because a past due loan is more likely to result in a credit loss than a current loan. Additionally, loans in the deferred payment status have different credit risk profiles compared with those in current pay status. Loan seasoning affects credit risk because a loan with a history of making payments generally has a lower incidence of default than a loan with a history of making infrequent or no payments. The existence of a cosigner lowers the likelihood of default as well. We monitor and update these credit quality indicators in the analysis of the adequacy of our allowance for credit losses on a quarterly basis.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We collect on defaulted loans through a mix of in-house collectors, third-party collectors, and sales to third-parties. For December 31, 2021 and 2020, we used both an estimate of recovery rates from in-house collections as well as expectations of future sales of defaulted loans to estimate the timing and amount of future recoveries on charged-off loans.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Private Education Loans generally do not require borrowers to begin principal and interest repayment until at least six months after the borrowers have graduated or otherwise separated from school. Consequently, the loss estimates for these loans are generally low while the borrower is in school and then increase upon the end of the grace period after separation from school. At both December 31, 2021 and 2020, 24 percent of the principal balance of the Private Education Loan portfolio was related to borrowers who were then in an in-school (fully deferred), grace, or other deferment status and not required to make payments. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our collection policies for Private Education Loans allow for periods of nonpayment for certain borrowers requesting an extended grace period upon leaving school or experiencing temporary difficulty meeting payment obligations. This is referred to as forbearance and is considered in estimating the allowance for credit losses. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As part of concluding on the adequacy of the allowance for credit losses for Private Education Loans, we review key allowance and loan metrics. The most relevant of these metrics considered are the allowance as a percentage of ending total loans, delinquency percentages, and forbearance percentages.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We consider a Private Education Loan to be delinquent if the borrower has not made a required payment prior to the 31st day after such payment was contractually due. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Troubled Debt Restructurings (&#8220;TDRs&#8221;) - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating the expected defaults for our Private Education Loans that are considered TDRs, we follow the same discounted cash flow process described above but use the historical loss rates related to past TDR loans. The appropriate gross loss rates are determined for each individual loan by evaluating loan maturity, risk characteristics, and macroeconomic conditions.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for our TDR portfolio is included in our overall allowance for Private Education Loans. Our TDR portfolio is comprised mostly of loans with interest rate reductions and loans with forbearance usage greater than three months, as further described below.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations, achieve better student outcomes, and increase the collectability of the loans. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. When we give a borrower facing financial difficulty an interest rate reduction, we temporarily reduce the rate (currently to 4.0 percent) for a two-year period and, in the vast majority of cases, permanently extend the final maturity of the loan. The combination of these two loan term changes helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We classify a loan as a TDR due to forbearance using a two-step process. The first step is to identify a loan that was in full principal and interest repayment status and received more than three months of forbearance in a 24-month period; however, during the first nine months after a loan had entered full principal and interest repayment status, we do not count up to the first six months of forbearance received during that period against the three-month policy limit. The second step is to evaluate the creditworthiness of the loan by examining its most recent refreshed FICO score. Loans that have met the criteria in the first test and have a FICO score above a certain threshold (based on the most recent quarterly FICO </span></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">score refresh) will not be classified as TDRs. Loans that have met the criteria in the first test and have a FICO score under the threshold (based on the most recent quarterly FICO score refresh) will be classified as TDRs.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A loan also becomes a TDR when it is modified to reduce the interest rate on the loan (regardless of when such modification occurs and/or whether such interest rate reduction is temporary). Once a loan qualifies for TDR status, it remains a TDR for allowance purposes for the remainder of its life. About half our loans that are considered TDRs involve a temporary forbearance of payments and do not change the contractual interest rate of the loan. As of both December 31, 2021 and 2020, approximately 47 percent of TDRs were classified as such due to their forbearance status. For additional information, see Note 7, &#8220;Allowance for Credit Losses.&#8221;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 27, 2020, then President Trump signed into law the Coronavirus Aid, Relief, and Economic Security Act (the &#8220;CARES Act&#8221;), which, among other things, allows us to (i) elect to suspend the requirements under GAAP for loan modifications related to COVID-19 that would otherwise be categorized as TDRs, and (ii) suspend any determination of a loan modified as a result of the effects of COVID-19 as being a TDR, including impairment for accounting purposes. Furthermore, on December 27, 2020, the Consolidated Appropriations Act, 2021 (the &#8220;CAA&#8221;) was signed into law. The CAA provides for additional COVID-19 focused relief and extends certain provisions of the CARES Act. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have elected to suspend TDR accounting for both forbearance and interest rate modifications of loans that occur as a result of COVID-19 for the applicable period of the CARES Act and CAA relief. The relief from TDR guidance applies to modifications of loans that were not more than 30 days past due as of December 31, 2019, and that occur during the period beginning on March 1, 2020, and ending on the earlier of (i) sixty days after the date on which the national emergency related to the COVID-19 outbreak is terminated, or (ii) January 1, 2022. We are continuing to apply TDR accounting to those loans that were more than 30 days past due as of December 31, 2019 and were subsequently modified.   </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Off-Balance Sheet Exposure for Contractual Loan Commitments - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When we approve a Private Education Loan at the beginning of an academic year, that approval may cover the borrowing for the entire academic year. As such, we do not always disburse the full amount of the loan at the time of such approval, but instead have a commitment to fund a portion of the loan at a later date (usually the start of the second semester or subsequent trimesters). We estimate expected credit losses over the contractual period in which we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by us. The discounted cash flow approach described above includes expected future contractual disbursements. The portion of the allowance for credit losses related to future disbursements is shown as a liability on the face of the balance sheet, and related provision for credit losses is reflected on the income statement.  </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Uncollectible Interest - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The majority of the total accrued interest receivable on our Private Education Loan portfolio represents accrued interest on deferred loans where no payments are due while the borrower is in school and on fixed-pay loans where the borrower makes a $25 monthly payment that is smaller than the interest accrued on the loan in that month. The accrued interest on these loans will be capitalized and increase the unpaid principal balance of the loans when the borrower exits the grace period after separation from school. The discounted cash flow approach described above considers both the collectability of principal as well as this portion of accrued interest that is expected to capitalize to the balance of the loan. Therefore, the allowance for this portion of accrued interest balance is included in our allowance for credit losses. The discounted cash flow approach does not consider interest accrued on loans that are in a full principal and interest repayment status or in interest-only repayment status. We separately capture the amount of expected uncollectible interest associated with these loans using historical experience to estimate the uncollectible interest for the next four months at each period-end date. This amount is recorded as a reduction of interest income. Accrued interest receivable is separately disclosed on the face of the balance sheet. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Card Loans - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use the gross loss approach when estimating the allowance for credit losses for our Credit Card portfolio. Because our Credit Card portfolio is new and we do not have sufficient historical loss experience, we use estimated loss rates reported by other financial institutions to estimate our allowance for credit losses for Credit Cards, net of expected recoveries. In addition, we use a model that utilizes purchased credit card information with risk characteristics similar to those of our own portfolio as a challenger model. We then consider any qualitative factors that may change our future expectations of losses.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As all of our Credit Card loans are unconditionally cancelable by us, the issuer, we do not record any estimate of credit losses for unused portions of our Credit Card commitments. </span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for FFELP Loan Losses - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FFELP Loans are insured as to their principal and accrued interest in the event of default, subject to a risk-sharing level based on the date of loan disbursement. These insurance obligations are supported by contractual rights against the United States. For loans disbursed on or after July 1, 2006, we receive 97 percent reimbursement on all qualifying claims.  For loans disbursed after October 1, 1993, and before July 1, 2006, we receive 98 percent reimbursement on all qualifying claims. For loans disbursed prior to October 1, 1993, we receive 100 percent reimbursement. Because we bear a maximum of three percent loss exposure due to this federal guarantee, our allowance for credit losses for FFELP Loans and related periodic provision expense are relatively small.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use the gross loss approach when estimating the allowance for credit losses for the unguaranteed portion of our FFELP Loans. We maintain an allowance for credit losses for our FFELP Loans at a level sufficient to cover lifetime expected credit losses. The allowance for FFELP Loan losses uses historical experience of customer default behavior. We apply the default rate projections, net of applicable risk sharing, to our FFELP Loans for the current period to perform our quantitative calculation. Once the quantitative calculation is performed, we review the adequacy of the allowance for credit losses and determine if qualitative adjustments need to be considered.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses - 2019</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to January 1, 2020, we maintained an allowance for credit losses at an amount sufficient to absorb probable losses incurred in our portfolios, as well as regarding future loan commitments, at the reporting date based on a projection of estimated probable credit losses incurred in the portfolio. We considered a loan to be impaired when, based on current information, a loss had been incurred and it was probable that we would not receive all contractual amounts due. When making our assessment as to whether a loan was impaired, we also took into account more than insignificant delays in payment. We generally evaluated impaired loans on an aggregate basis by grouping similar loans.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We analyzed our portfolios to determine the effects that the various stages of delinquency and forbearance had on borrower default behavior and ultimate charge off.  We estimated the allowance for credit losses for our loan portfolios using a roll rate analysis of delinquent and current accounts. A &#8220;roll rate analysis&#8221; is a technique used to estimate the likelihood that a loan receivable may progress through the various delinquency stages and ultimately charge off. We also took into account the current and future economic environment and certain other qualitative factors when calculating the allowance for credit losses.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The evaluation of the allowance for credit losses is inherently subjective, as it required material estimates that may be susceptible to significant changes. Our default estimates were based on a loss emergence period of one year for Private Education Loans, Personal Loans, and Credit Cards and two years for FFELP Loans. A loss emergence period represents the expected period between the first occurrence of an event likely to cause a loss on a loan and the date the loan is expected to be charged off, taking into consideration account management practices that affect the timing of a loss, such as the usage of forbearance. The loss emergence period underlying the allowance for credit losses was subject to a number of assumptions. If actual future performance in delinquency, charge-offs, and recoveries was significantly different than estimated, or account management assumptions or practices were to change, this could materially affect the estimate of the allowance for credit losses, the timing of when losses were recognized, and the related provision for credit losses on our consolidated statements of income.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We utilized various models to determine an appropriate allowance for credit losses. Changes to model inputs were made as deemed necessary. The models were reviewed and validated periodically.  </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Below we describe in further detail our policies and procedures for the allowance for credit losses in 2019 as they relate to our Private Education Loan, Personal Loan, FFELP Loan portfolios and Credit Cards.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Allowance for Private Education Loan Losses - 2019</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to January 1, 2020, in determining the allowance for credit losses on our Private Education Loans that are not TDRs, we estimated the principal amount of loans that would default over the next year (one year being the expected period between a loss trigger event and default) using a roll rate model and how much we expected to recover over the same one-year period related to the defaulted amount. The expected defaults less our expected recoveries adjusted for any qualitative factors (discussed below) equaled the allowance related to this portfolio. Our historical experience indicates that, on average, the time between the date that a customer experiences a default causing event (i.e., the loss trigger event) and the date that we charge off the unrecoverable portion of that loan is one year.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating both the non-TDR and TDR allowance amounts, we started with historical experience of customer delinquency and default behavior. We made judgments about which historical period to start with and then made further judgments about whether that historical experience was representative of future expectations and whether additional </span></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">adjustments may be needed to those historical default rates. We also took certain other qualitative factors into consideration when calculating the allowance for credit losses. These qualitative factors included, but were not limited to, changes in the economic environment, changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not already included in the analysis, and the effect of other external factors, such as legal and regulatory requirements, on the level of estimated credit losses.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain Private Education Loans do not require borrowers to begin repayment until at least six months after they have graduated or otherwise separated from school. Consequently, the loss estimates for these loans were generally low while the borrower was in school.  As this population of borrowers left school, they would be required to begin payments on their loans, and the allowance for losses could change accordingly.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Similar to the rules governing FFELP payment requirements, our collection policies allow for periods of nonpayment for borrowers requesting additional payment grace periods upon leaving school or experiencing temporary difficulty meeting payment obligations. This is referred to as forbearance status and was considered separately in the allowance for credit losses. The loss emergence period was in alignment with the typical collection cycle and took into account these periods of nonpayment.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As part of concluding on the adequacy of the allowance for credit losses, we reviewed key allowance and loan metrics. The most relevant of these metrics considered were the allowance coverage of net charge-offs ratio; the allowance as a percentage of ending total loans and of ending loans in repayment; and delinquency and forbearance percentages.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We consider a loan to be delinquent if the borrower has not made a required payment prior to the 31st day after such payment was contractually due. We used a model to estimate the amount of uncollectible accrued interest on Private Education Loans and reserved for that amount against current period interest income.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our non-TDR allowance for credit losses was estimated using an analysis of delinquent and current accounts. Our roll rate model was used to estimate the likelihood that a loan receivable may progress through the various delinquency stages and ultimately charge off. Once a charge-off forecast was estimated, a recovery assumption was layered on top.  In estimating recoveries, we used both estimates of what we would receive from the sale of defaulted loans as well as historical borrower payment behavior to estimate the timing and amount of future recoveries on charged-off loans.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The roll rate analysis model was based upon actual experience using the 120 day charge-off default aversion strategies.  Once the quantitative calculation was performed, we reviewed the adequacy of the allowance for credit losses and determined if qualitative adjustments needed to be considered.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Personal Loans - 2019</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to January 1, 2020, we maintained an allowance for Personal Loan losses at an amount sufficient to absorb losses estimated and viewed at the reporting date as probable credit losses to be incurred in the portfolio. In determining the allowance for credit losses on our Personal Loan portfolio that were not TDRs, we estimated the principal amount of the loans that would default over the next twelve months (twelve months being the expected period between a loss trigger event and default) and how much we expected to recover over the same twelve-month period related to the defaulted amounts. The expected defaults less our expected recoveries adjusted for any qualitative factors equaled the allowance related to this portfolio. At December 31, 2019, there were no Personal Loans classified as TDRs.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Troubled Debt Restructurings - 2019</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Separately, for our TDR portfolio, we estimated an allowance amount sufficient to cover life-of-loan expected losses through an impairment calculation based on the difference between the loan&#8217;s basis and the present value of expected future cash flows (which would include life-of-loan default and recovery assumptions) discounted at the loan&#8217;s original effective interest rate. Our TDR portfolio is comprised mostly of loans with interest rate reductions and loans with forbearance usage greater than three months during a 24-month period, as further described above.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for FFELP Loan Losses - 2019</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FFELP Loans are insured as to their principal and accrued interest in the event of default subject to a risk-sharing level based on the date of loan disbursement. These insurance obligations are supported by contractual rights against the United States. For loans disbursed on or after July 1, 2006, we receive 97 percent reimbursement on all qualifying claims.  For loans disbursed after October 1, 1993, and before July 1, 2006, we receive 98 percent reimbursement. For loans disbursed prior to October 1, 1993, we receive 100 percent reimbursement.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The 2019 allowance for FFELP Loan losses used historical experience of customer default behavior and a two-year loss emergence period to estimate the credit losses incurred in the loan portfolio at the reporting date. We applied the </span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">default rate projections, net of applicable risk sharing, to each category for the relevant period to perform our quantitative calculation. Once the quantitative calculation was performed, we reviewed the adequacy of the allowance for credit losses and determined if qualitative adjustments needed to be considered.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Card Loans - 2019</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The 2019 allowance for Credit Card losses was management&#8217;s estimate of credit losses inherent in the Credit Card portfolio at the relevant balance sheet date. The allowance for Credit Card losses used historical loss rates for accounts with similar characteristics (based on industry data) as a reasonable basis to estimate future losses. At December 31, 2019, there were no Credit Cards classified as TDRs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="margin-top:11pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Deposits</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our retail deposit accounts are principally certificates of deposit (&#8220;CDs&#8221;), money market deposit accounts (&#8220;MMDAs&#8221;), and high-yield savings (&#8220;HYS&#8221;) accounts. CDs are accounts that have a stipulated maturity and interest rate. Retail CDs may be withdrawn early, but a penalty is assessed. MMDA and HYS accounts are both interest and non-interest bearing accounts that have no maturity or expiration date. For retail MMDA and HYS accounts, the depositor may be required to give written notice of any intended withdrawal not less than seven days before the withdrawal is made.&#160;</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank also includes brokered CDs in its funding base.&#160;Early withdrawal of brokered CDs is prohibited (except in the case of death or legal incapacity). Other deposit accounts include large interest-bearing omnibus accounts deposited in the Bank by commercial entities having custodial responsibilities for many underlying accounts.&#160;These omnibus accounts may be structured with or without fixed maturities, and may have fixed or variable interest rates. &#160;</span></div><div style="margin-top:11pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Fair Value Measurement</span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use estimates of fair value in applying various accounting standards for our financial statements. Fair value measurements are used in one of four ways:</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the consolidated balance sheet with changes in fair value recorded in the consolidated statement of income;</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the consolidated balance sheet with changes in fair value recorded in the accumulated other comprehensive income section of the consolidated statement of changes in equity;</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the consolidated balance sheet for instruments carried at lower of cost or fair value with impairment charges recorded in the consolidated statement of income; and</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the notes to the consolidated financial statements.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair value is defined as the price to sell an asset or transfer a liability in an orderly transaction between willing and able market participants. In general, our policy in estimating fair value is to first look at observable market prices for identical assets and liabilities in active markets, where available. When these are not available, other inputs are used to model fair value such as prices of similar instruments, yield curves, volatilities, prepayment speeds, default rates, and credit spreads (including for our liabilities), relying first on observable data from active markets. Depending on current market conditions, additional adjustments to fair value may be based on factors such as liquidity, credit, and bid/offer spreads. Transaction costs are not included in the determination of fair value. When possible, we seek to validate the model&#8217;s output to market transactions. Depending on the availability of observable inputs and prices, different valuation models could produce materially different fair value estimates. The values presented may not represent future fair values and may not be realizable.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We categorize our fair value estimates based on a hierarchical framework associated with three levels of price transparency utilized in measuring financial instruments at fair value. Classification is based on the lowest level of input that is significant to the fair value of the instrument. The three levels are as follows:</span></div><div style="margin-top:9pt;padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 1 &#8212; Quoted prices (unadjusted) in active markets for identical assets or liabilities that we have the ability to access at the measurement date. The types of financial instruments included in level 1 are highly liquid instruments with quoted prices.</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 2 &#8212; Inputs from active markets, other than quoted prices for identical instruments, are used to determine fair value. Significant inputs are directly observable from active markets for substantially the full term of the asset or liability being valued.</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 3 &#8212; Pricing inputs significant to the valuation are unobservable. Inputs are developed based on the best information available. However, significant judgment is required by us in developing the inputs.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loan Interest Income</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For all loans, including impaired loans (regardless of the delinquency status of the impaired loans), classified as held for investment, we recognize interest income as earned, adjusted for the amortization of deferred direct origination and acquisition costs. Deferred fees or costs are required to be recognized as yield adjustments over the life of the related loans and are recognized by the interest method. The objective of the interest method is to arrive at periodic interest income (including recognition of fees and costs) at a constant effective yield on the net investment in the receivable (i.e., the principal amount of the receivable adjusted by unamortized fees or costs, purchase premium or discount, and any hedging activity&#8212;these unamortized costs will collectively be referred to as &#8220;basis adjustments&#8221;). The difference between the periodic interest income so determined and the interest income determined by applying the stated interest rate to the outstanding principal amount of the receivable is the amount of periodic amortization of deferred direct origination and acquisition costs. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the amortization of the basis adjustments, we determine the constant effective yield necessary to apply the interest method based upon the contractual terms of the loan contract, with no consideration given to expected prepayments. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For fixed-rate loans, when a prepayment occurs the unamortized balance of the basis adjustments is adjusted so that future amortization (based upon the contractual terms of the loan) will result in a constant effective yield equal to the original effective interest rate. Prepayments do not result in a change in the effective interest rate of the loan. We determine the contractual payments on a pool basis; as such, when a prepayment occurs, future contractual payments will be determined assuming the pool will make smaller payments through the original term of the contract. The adjustment to the unamortized basis adjustment balance is recorded in interest income.   </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For variable-rate loans, the effective interest rate at the time of origination is the loan&#8217;s effective interest rate assuming all future contractual payments. The effective interest rate remains the same for that loan until the loan rate changes.  If there is no prepayment and no change in the stated interest rate, the periodic amortization of the basis adjustments is equal to the difference between the effective interest rate multiplied by the book basis and the contractual interest due. We determine the contractual payments on a pool basis; as such, when a prepayment occurs, future contractual payments will be determined assuming the pool will make smaller payments through the original term of the contract. The adjustment to the unamortized basis adjustment balance is recorded in interest income.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When the interest rate on a variable-rate loan changes, the effective interest rate is recalculated using the same methodology described in the previous paragraph; however, the future contractual payments are changed to reflect the new interest rate. There is no forecasting of future expected changes in interest rates.  The accounting basis used to determine the effective interest rate of the cash flows is equal to the balances of the unpaid principal balance and unamortized basis adjustments at the time of the rate change.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also pay to the U.S. Department of Education (the &#8220;DOE&#8221;) an annual 105 basis point Consolidation Loan Rebate Fee on FFELP consolidation loans, which is netted against loan interest income. Additionally, interest earned on education loans reflects potential non-payment adjustments in accordance with our uncollectible interest recognition policy. We do not amortize any adjustments to the basis of loans when they are classified as held-for-sale.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With the adoption of CECL on January 1, 2020, we continue to analyze the collectability of accrued interest associated with loans not currently in full principal and interest repayment status or interest-only repayment status as discussed above; however, we have changed the recognition of the allowance for this portion of uncollectible interest (amounts to be capitalized after separation from school and the expiration of the grace period) to the provisions for credit losses from our historical practice of recording it as a reduction of interest income, as well as classifying this allowance as part of our allowance for credit losses as opposed to our historical practice of recording it as a reduction of accrued interest income receivable.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for the portion of uncollectible interest on loans making full interest payments will continue to be recorded as a reduction of interest income. As we maintain an allowance for uncollectible interest on loans making full interest payments and an allowance for credit losses for the interest on loans where all, or a portion of the interest, will be capitalized in the future, we do not place loans in nonaccrual status prior to charge-off. At December 31, 2021 and 2020, we had no loans in nonaccrual status.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We recognize certain fee income (primarily late fees) on all loans when earned according to the contractual provisions of the promissory notes, as well as our expectation of collectability. Fee income is recorded when earned in &#8220;other non-interest income&#8221; in the accompanying consolidated statements of income. </span></div><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Interest Expense</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest expense is based upon contractual interest rates adjusted for the amortization of issuance costs. We incur interest expense on interest-bearing deposits comprised of non-maturity savings deposits, brokered and retail CDs, and brokered and retail MMDAs, as well as on unsecured and secured financings. &#160;Interest expense is recognized when amounts are contractually due to deposit and debt holders and is adjusted for net payments/receipts related to interest rate swap agreements that qualify and are designated hedges of interest-bearing liabilities. &#160;Interest expense also includes the amortization of deferred gains and losses on closed hedge transactions that qualified as hedges.  Amortization of debt issuance costs, premiums, discounts, and terminated hedge-basis adjustments are recognized using the effective interest rate method. We incur certain fees related to our Private Education Loan multi-lender secured borrowing facility (the &#8220;Secured Borrowing Facility&#8221;), including an unused Secured Borrowing Facility fee, and also incur fees related to our term asset-backed securities (&#8220;ABS&#8221;). These fees are included in interest expense.  Refer to Note 10, &#8220;Deposits,&#8221; and Note 11, &#8220;Borrowings&#8221; for further details of our interest-bearing liabilities.</span></div><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Gains on Sale of Loans, Net</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We may participate and sell loans to third-parties and affiliates, including entities that were related parties prior to the Spin-Off. These sales may occur through whole loan sales or securitization transactions that qualify for sales treatment.  If a transfer of loans qualifies as a sale, we derecognize the loan and recognize a gain or loss as the difference between the carry basis of the loan sold and liabilities retained and the compensation received. We recognize the results of a transfer of loans based upon the settlement date of the transaction. These loans were initially recorded as held for investment and were transferred to held-for-sale immediately prior to sale or securitization. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2021, we recognized $548&#160;million in gains from the sale of approximately $4.24&#160;billion of our Private Education Loans, including $3.98&#160;billion of principal and $264&#160;million in capitalized interest, to unaffiliated third parties.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2020, we recognized $238&#160;million in gains from the sale of approximately $3.1&#160;billion of our Private Education Loans, including $2.9&#160;billion of principal and $199&#160;million in capitalized interest, to unaffiliated third parties. We did not sell loans in 2019.</span></div><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other Income </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Included in other income are late fees on both Private Education Loans and FFELP Loans, which we recognize when the cash has been received, fees related to our Credit Card program, income for servicing private student loans for third-parties, and changes to our tax indemnification receivable from Navient.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our former Upromise subsidiary had a number of programs that encouraged consumers to save for the cost of college education. We had established a consumer savings network, which was designed to promote college savings by consumers who were members of this program by encouraging them to purchase goods and services from the merchants that participated in the program. Participating merchants generally paid Upromise fees based on member purchase volume, either online or in stores, depending on the contractual arrangement with the merchant. We recognized revenue as marketing and administrative services were rendered, based upon contractually determined rates and member purchase volumes. On May 31, 2020, we sold our Upromise subsidiary to a third party, resulting in the loss of revenue from that business for the second half of 2020.  </span></div><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Securitization Accounting</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our securitization transactions use a two-step structure with a special purpose entity VIE that legally isolates the transferred assets from us in the event of bankruptcy or receivership. Transactions receiving sale treatment are also structured to ensure that the holders of the beneficial interests issued are not constrained from pledging or exchanging their interests, and that we do not maintain effective control over the transferred assets. If these criteria are not met, then the transaction is accounted for as an on-balance sheet secured borrowing. If a securitization qualifies as a sale, we then assess whether we are the primary beneficiary of the securitization trust and are required to consolidate such trust. We are considered the primary beneficiary if we have both: (i) the power to direct the activities of the VIE that most significantly impact the VIE&#8217;s economic performance; and (ii) the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE. There can be considerable judgment as it relates to determining the primary beneficiary of the VIEs. There are no &#8220;bright line&#8221; tests. Rather, the assessment of who has the power to direct the activities of the VIE that most significantly affect the VIE&#8217;s economic performance and who has the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE can be very qualitative and judgmental in nature. If we are the primary beneficiary, then no gain or loss is recognized.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have determined that as the servicer of Sallie Mae securitization trusts, we meet the first primary beneficiary criterion because we have the power to direct the activities of the VIE that most significantly impact the VIE&#8217;s economic performance.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Irrespective of whether a securitization receives sale or on-balance sheet treatment, our continuing involvement with our securitization trusts is generally limited to:</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Owning the equity certificates of certain trusts;</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The servicing of the student loan assets within the securitization trusts, on both a pre- and post-default basis;</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our acting as administrator for the securitization transactions we sponsored;</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our responsibilities relative to representation and warranty violations; and</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The option to exercise the clean-up call and purchase the student loans from the trust when the pool balance is 10 percent or less of the original pool balance.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2021 and 2020, we executed several secured financing transactions. Based upon our relationships with these securitizations, we believe the consolidation assessment is straightforward.  We consolidated our secured financing transactions because either we did not meet the accounting criterion for sales treatment or we determined we were the primary beneficiary of the VIE because we retained (i) the residual interest in the securitization and therefore had the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE, as well as (ii) the power to direct the activities of the VIE in our role as servicer. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The investors in our securitization trusts have no recourse to our other assets should there be a failure of the trust to pay when due. Generally, the only recourse the securitization trusts have to us is in the event we breach a seller representation or warranty or our duties as master servicer and servicer, in which event we are obligated to repurchase the related loans from the trust. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">From time to time, we also engage in certain transactions that are not consolidated on our balance sheet due to the transaction having met the criterion for sales treatment. In these transactions, we remove loans from our consolidated balance sheet and recognize any assets retained and liabilities assumed at fair value, and record a gain or loss on the transferred loans. Our continuing involvement in these securitization transactions mainly consists of acting as the primary servicer and holding certain retained interests. We provide additional information regarding these types of activities in Note 11, &#8220;Borrowings &#8212; Unconsolidated VIEs.&#8221; </span></div><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Derivative Accounting</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We account for our derivatives, consisting of interest rate swaps, at fair value on the consolidated balance sheets as either an asset or liability. Derivative positions are recorded as net positions by counterparty based on master netting arrangements (see Note 12, &#8220;Derivative Financial Instruments&#8221;), exclusive of accrued interest and cash collateral held or pledged. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the &#8220;Dodd-Frank Act&#8221;) requires all standardized derivatives, including most interest rate swaps, to be submitted for clearing to central counterparties to reduce counterparty risk.  Two of the central counterparties we use are the Chicago Mercantile Exchange (the &#8220;CME&#8221;) and the London Clearing House (the &#8220;LCH&#8221;). All variation margin payments on derivatives cleared through the CME and LCH are accounted for as legal settlement. As of December&#160;31, 2021, $5.2 billion notional of our derivative contracts were cleared on the CME and $0.3 billion were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent 94.4 percent and 5.6 percent, respectively, of our total notional derivative contracts of $5.5 billion at December&#160;31, 2021.</span></div><div style="margin-bottom:9pt;margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For derivatives cleared through the CME and LCH, the net gain (loss) position includes the variation margin amounts as settlement of the derivative and not collateral against the fair value of the derivative. The amount of variation margin included as settlement as of December 31, 2021 was $(72) million and $8 million for the CME and LCH, respectively. Changes in fair value for derivatives not designated as hedging instruments are presented as realized gains (losses). </span></div><div style="margin-bottom:9pt;margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We determine the fair value for our derivative contracts primarily using pricing models that consider current market conditions and the contractual terms of the derivative contracts. These pricing models consider interest rates, time value, forward interest rate curves, and volatility factors. Inputs are generally from active financial markets.</span></div><div style="margin-bottom:9pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The accounting for derivative instruments requires that every derivative instrument, including certain derivative instruments embedded in other contracts, be recorded on the balance sheet as either an asset or liability measured at fair value. Our derivative instruments are classified and accounted for by us as fair value hedges, cash flow hedges, and trading hedges. </span></div><div style="margin-bottom:9pt;margin-top:1pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Each derivative is designated to a specific (or pool of) liability(ies) on the consolidated balance sheets, and is designated as either a &#8220;fair value&#8221; hedge or a &#8220;cash flow&#8221; hedge. Fair value hedges are designed to hedge our exposure to the changes in fair value of a fixed-rate liability. For effective fair value hedges, both the hedge and the hedged item (for the risk being hedged) are recorded at fair value with any difference reflecting ineffectiveness recorded immediately in the consolidated statements of income. Cash flow hedges are designed to hedge our exposure to variability in cash flows related to variable-rate deposits. The assessment of the hedge&#8217;s effectiveness is performed at inception and on an ongoing basis, using regression testing. For hedges of a pool of liabilities, tests are performed to demonstrate the similarity of individual instruments of the pool. When it is determined that a derivative is not currently an effective hedge, ineffectiveness is recognized for the full change in fair value of the derivative with no offsetting amount from the hedged item since the last time it was effective. If it is also determined the hedge will not be effective in the future, we discontinue the hedge accounting prospectively and begin amortization of any basis adjustments that exist related to the hedged item.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 12, 2020, the FASB issued ASU No. 2020-04, &#8220;Reference Rate Reform (&#8220;Topic 848&#8221;): Facilitation of the Effects of Reference Rate Reform on Financial Reporting.&#8221; On January 7, 2021, the FASB issued ASU No. 2021-01, &#8220;Reference Rate Reform (&#8220;Topic 848&#8221;): Scope&#8221; that clarified the scope of Topic 848. Topic 848 contains temporary optional expedients and exceptions for applying GAAP to contract modifications, hedging relationships, and other transactions affected by reference rate reform. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our derivative portfolio is made up of interest rate swaps that are centrally cleared through either the CME or the LCH. On October 16, 2020, both the CME and the LCH changed the price alignment interest and discount rate applied when valuing these transactions to the Secured Overnight Financing rate (&#8220;SOFR&#8221;). The ISDA 2020 LIBOR Fallbacks Protocol (the &#8220;ISDA Fallback Protocol&#8221;) was made available for adherence on October 23, 2020, with an effective date of January 25, 2021. Once adhered to by both counterparties in a bilateral relationship and the effective date is reached, the ISDA Fallback Protocol represents a change to the contractual terms of derivatives governed by each respective ISDA agreement between the Company and a derivative counterparty. We have elected the option provided in Topic 848 to not reassess previous accounting determinations as well as the option to not dedesignate a hedging relationship due to a current or future change in a critical or contractual term related to reference rate reform, including changes in the discount rate. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As our liabilities may begin to use alternatives to LIBOR before LIBOR is no longer published, for cash flow hedges of forecasted LIBOR based payments, we have elected the expedient offered in Topic 848 to disregard the potential change in the designated hedged interest rate risk that may occur because of reference rate reform when we assesses whether the hedged forecasted transactions are probable, in accordance with the requirements of &#8220;Derivatives and Hedging&#8221; Topic 815. We have also elected the expedient provided by Topic 848 to assume the reference rate will not be replaced for the remainder of the hedging relationship when assessing hedge effectiveness.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Topic 848 allows for different elections to be made at different points in time. We intend to reassess our elections of optional expedients and exceptions included within Topic 848 when changes or additions are necessary.</span></div><div style="margin-bottom:9pt;margin-top:6pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Stock-Based Compensation</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We recognize stock-based compensation cost in our consolidated statements of income using the fair value method. Under this method, we determine the fair value of the stock-based compensation at the time of the grant and recognize the resulting compensation expense over the vesting period of the stock-based grant. We do not apply a forfeiture rate to our stock-based compensation expense, but rather record forfeitures when they occur. We record all excess tax benefits/deficiencies related to the settlement of employee stock-based compensation to the income tax expense line item on our consolidated statements of income. </span></div><div style="margin-top:6pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Restructuring Activities</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the third quarter of 2020, we initiated a restructuring program to reduce costs and improve operating efficiencies by better aligning our organizational structure with our new corporate strategic imperatives. In conjunction with these restructuring plans, involuntary benefit arrangements, and certain other costs that are incremental and incurred as a direct result of our restructuring plans, are classified as restructuring expenses in the accompanying consolidated statements of income. Restructuring expenses of $26&#160;million were recorded in the year ended December 31, 2020. Of that total, $20&#160;million related to severance benefits and $6&#160;million related to other related costs, primarily legal and consulting fees. We recorded $1&#160;million in additional restructuring expenses in the year ended December 31, 2021. There were no restructuring expenses recorded in the year ended December 31, 2019. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We sponsor employee severance plans that provide severance benefits in the event of termination of our full-time employees and part-time employees who work at least 24 hours per week. The severance plans establish specified </span></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">benefits based on base salary, job level immediately preceding termination, and years of service upon termination of employment due to involuntary termination or a job abolishment, as defined in the severance plans. The benefits payable under the severance plans relate to past service. Accordingly, we recognize severance costs to be paid pursuant to the severance plans when payment of such benefits is probable and reasonably estimable. Such benefits, including severance pay calculated based on the severance plan, medical and dental benefits, outplacement services, and continuation pay, were incurred during the year ended December 31, 2020, as a direct result of our restructuring initiative. Accordingly, such costs are classified as restructuring expenses in the accompanying consolidated statements of income. We finalized this restructuring plan in 2020.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The majority of these restructuring expenses incurred through the year ended December 31, 2021 were severance costs related to the elimination of approximately 165 positions, or approximately 9 percent of the workforce that existed as of December 31, 2019.</span></div><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Income Taxes </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We account for income taxes under the asset and liability approach, which requires the recognition of deferred tax liabilities and assets for the expected future tax consequences of temporary differences between the carrying amounts and tax basis of our assets and liabilities. To the extent tax laws change, deferred tax assets and liabilities are adjusted in the period that the tax change is enacted. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;Income tax expense (benefit)&#8221; includes (i)&#160;deferred tax expense (benefit), which represents the net change in the deferred tax asset or liability balance during the year when applicable, and (ii)&#160;current tax expense (benefit), which represents the amount of tax currently payable to or receivable from a tax authority plus amounts accrued for unrecognized tax benefits. Income tax expense (benefit) excludes the tax effects related to adjustments recorded in equity.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">An uncertain tax position is recognized only if it is more likely than not to be sustained upon examination based on the technical merits of the position. The amount of tax benefit recognized in the consolidated financial statements is the largest amount of benefit that is more than 50 percent likely of being sustained upon ultimate settlement of the uncertain tax position. We recognize interest and penalties related to unrecognized tax benefits in income tax expense (benefit).</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the Spin-Off, we recorded a liability related to uncertain tax positions of $27 million for which we are indemnified by Navient.  If there is an adjustment to the indemnified uncertain tax liability, an offsetting adjustment to the indemnification receivable will be recorded as pre-tax adjustment to other income in the income statement.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date of the Spin-Off on April 30, 2014, we recorded liabilities related to deferred taxes and uncertain tax positions and an indemnification receivable of $291 million. As of December 31, 2021, with respect to those amounts recorded at the Spin-Off, the remaining liability balance is $5 million (related to uncertain tax positions) and the remaining indemnification receivable balance is $5&#160;million (related to uncertain tax positions).</span></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for all significant accounting policies of the reporting entity.</p></div>
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<td class="text">&#160;<span></span>
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<td class="text">Cash and Cash Equivalents<div style="margin-top:5pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, cash and cash equivalents include cash due from the FRB of $4.3 billion and cash due from depository institutions of $75 million. As of December&#160;31, 2020, cash and cash equivalents include cash due from the FRB of $4.4 billion and cash due from depository institutions of $73 million. As of December&#160;31, 2021 and 2020, we had no outstanding cash equivalents.</span></div><div style="margin-top:5pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The FRB Term Deposit Facility program is used to facilitate the conduct of monetary policy by providing a tool that may be used to manage the aggregate quantity of reserve balances held by depository institutions. Under this program, the FRB accepts deposits for a stated maturity at a rate of interest determined via auction. The funds are removed from the accounts of participating institutions for the life of the term deposit. We did not participate in these auctions in 2021 or 2020, resulting in no interest reported. As of December&#160;31, 2021 and 2020, no funds were on deposit with the FRB under this program.</span></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for cash and cash equivalent footnotes,  which may include the types of deposits and money market instruments, applicable carrying amounts, restricted amounts and compensating balance arrangements. Cash and equivalents include: (1) currency on hand (2) demand deposits with banks or financial institutions (3) other kinds of accounts that have the general characteristics of demand deposits (4) short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Generally, only investments maturing within three months from the date of acquisition qualify.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326905832">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investments<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock', window );">Investments</a></td>
<td class="text">Investments  <div style="margin-top:14pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Trading Investments</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We periodically sell Private Education Loans through securitization transactions where we were required to retain a five percent vertical risk retention interest (i.e., five percent of each class issued in the securitizations). We classify those vertical risk retention interests related to the transactions as available-for-sale investments, except for the interest in the </span></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">residual classes, which we classify as trading investments recorded at fair value with changes recorded through earnings. At December 31, 2021 and 2020, we had $37&#160;million and $17 million, respectively, classified as trading investments. </span></div><div style="margin-top:14pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Available-for-Sale Investments </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amortized cost and fair value of securities available for sale are as follows:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:80.000%"><tr><td style="width:1.0%"/><td style="width:32.059%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.056%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.573%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.668%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.531%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.531%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.668%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.531%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.015%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.274%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for credit losses</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Gains</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Available for sale:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage-backed securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">376,313&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,857&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,073)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">371,097&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Utah Housing Corporation bonds</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,943&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,961&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">U.S. government-sponsored enterprises and Treasuries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,958,943&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">603&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,893)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,947,653&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other securities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">193,369&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">439&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,563)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">192,245&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,535,568&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,917&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,529)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,517,956&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2020<br/>(dollars in thousands)</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for credit losses</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Gains</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Available for sale:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage-backed securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">308,913&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,095&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(134)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">314,874&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Utah Housing Corporation bonds</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,357&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">210&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,567&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">U.S. government-sponsored enterprises and Treasuries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,596,890&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,395&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,600,285&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other securities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,797&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">462&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(351)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,908&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,986,957&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,162&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(485)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,996,634&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="padding-left:81pt;padding-right:45pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">  Represents the amount of impairment that has resulted from credit-related factors and that was recognized in the consolidated balance sheets (as a credit loss expense on available-for-sale securities). The amount excludes unrealized losses related to non-credit factors.  </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the amount of gross unrealized losses for our available-for-sale securities and the estimated fair value for securities having gross unrealized loss positions, categorized by length of time the securities have been in an unrealized loss position:</span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.638%"><tr><td style="width:1.0%"/><td style="width:31.883%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.549%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.549%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.844%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.549%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.549%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.549%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.549%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.303%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Less than 12 months</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12 months or more</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage-backed securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,534)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">261,404&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,540)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">36,587&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,074)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">297,991&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Utah Housing Corporation bonds</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">U.S. government-sponsored enterprises and Treasuries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,892)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,199,367&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,892)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,199,367&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other securities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,563)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">132,884&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,563)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">132,884&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(18,989)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,593,655&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,540)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">36,587&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,529)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,630,242&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage-backed securities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(134)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">46,011&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(134)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">46,011&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Utah Housing Corporation bonds</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">U.S. government-sponsored enterprises and Treasuries</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(351)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,441&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(351)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,441&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(485)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,452&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(485)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,452&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">As of December&#160;31, 2021 and 2020, 60 of 180 and 14 of 163, respectively, of our available-for-sale securities were in an unrealized loss position. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Impairment</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">For available-for-sale securities in an unrealized loss position, we first assess whether we intend to sell, or it is more likely than not that we will be required to sell, the security before recovery of its amortized cost basis. If either of these criteria is met, the security&#8217;s amortized cost basis is written down to fair value through income. For securities in an unrealized loss position that do not meet these criteria, we evaluate whether the decline in fair value has resulted from credit loss or other factors. In making this assessment, we consider the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, adverse conditions specifically related to the security, as well as any guarantees (e.g., guarantees by the U.S. Government) that may be applicable to the security. If this assessment indicates a credit loss exists, the credit-related portion of the loss is recorded as an allowance for losses on the security. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Our investment portfolio contains mortgage-backed securities issued by Ginnie Mae, Fannie Mae, and Freddie Mac, as well as Utah Housing Corporation bonds. We own these securities to meet our requirements under the Community Reinvestment Act (&#8220;CRA&#8221;). We also invest in other U.S. government-sponsored enterprise securities issued by the Federal Home Loan Banks, Freddie Mac, and the Federal Farm Credit Bank. Our mortgage-backed securities that were issued under Ginnie Mae programs carry a full faith and credit guarantee from the U.S. Government. The remaining mortgage-backed securities in a net loss position carry a principal and interest guarantee by Fannie Mae or Freddie Mac, respectively. Our Treasury and other U.S. government-sponsored enterprise bonds are rated Aaa by Moody&#8217;s Investors Service or AA+ by Standard and Poor&#8217;s. The decline in value from December 31, 2020 to December 31, 2021 was driven by the current interest rate environment and is not credit related. We have the intent and ability to hold these bonds for a period of time sufficient for the market price to recover to at least the adjusted amortized cost of the security. Based on this qualitative analysis, we have determined that no credit impairment exists.    </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">We periodically sell Private Education Loans through securitization transactions where we are required to retain a five percent vertical risk retention interest. We classify the non-residual vertical risk retention interests as available-for-sale investments. We have the intent and ability to hold each of these bonds for a period of time sufficient for the market price to recover to at least the adjusted amortized cost of the security. We expect to receive all contractual cash flows related to these investments and do not consider a credit impairment to exist.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, the amortized cost and fair value of securities, by contractual maturities, are summarized below. Contractual maturities versus actual maturities may differ due to the effect of prepayments. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:41.111%"><tr><td style="width:1.0%"/><td style="width:46.197%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.954%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.225%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021</span></div><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year of Maturity </span></div><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2022</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">850,032&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">850,326&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">162,617&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">162,003&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">398,583&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">394,941&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">547,712&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">540,382&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2038</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">74&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2039</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,029&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,120&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2042</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,183&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,175&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2043</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,599&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,797&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2044</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,620&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,881&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2045</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,764&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,968&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2046</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,629&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,818&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2047</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,611&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,822&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2048</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,961&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,025&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2049</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,828&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,458&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2050</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">134,707&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">131,063&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2051</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">178,250&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">174,853&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2053</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">141,251&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">140,260&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2054</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">52,118&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51,985&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,535,568&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,517,956&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Some of the mortgage-backed securities and a portion of the government securities have been pledged to the FRB as collateral against any advances and accrued interest under the Primary Credit lending program sponsored by the FRB. We had $888 million and $815&#160;million par value of securities pledged to this borrowing facility at December&#160;31, 2021 and 2020, respectively, as discussed further in Note 11, &#8220;Borrowings.&#8221;</span></div><div style="margin-top:14pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Other Investments</span></div><div style="margin-top:5pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Investments in Non-Marketable Securities</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We hold investments in non-marketable securities and account for these investments at cost, less impairment, plus or minus observable price changes of identical or similar securities of the same issuer. Changes in market value are recorded through earnings. Because these are non-marketable securities, we use observable price changes of identical or similar securities of the same issuer in determining any changes in the value of the securities. In the second quarter of 2021, we funded an additional investment, as part of a larger equity raise, in an issuer whose equity securities we purchased in the past. We used the valuation associated with the more recent equity raise to adjust the valuation of our previous investments, and, as a result, recorded a gain of $35&#160;million on our earlier equity securities investments. In the third quarter of 2019, we also funded an additional investment and, as a result, recorded a gain of $8 million on our earlier equity securities investments. These gains were recorded in &#8220;other income&#8221; in the consolidated statements of income in 2021 and 2019. At December 31, 2021 and December 31, 2020, our total investment in the securities of this issuer was $69&#160;million and $26 million, respectively.</span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%">Low Income Housing Tax Credit Investments</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We invest in affordable housing projects that qualify for the LIHTC, which is designed to promote private development of low income housing. We recognized $7 million, $6 million, and $6 million of tax credits and other tax benefits associated with investments in affordable housing projects within income tax expense for the years ended December 31, 2021, 2020, and 2019, respectively. The amount of amortization of such investments reported in income tax expense was $6 million, $5&#160;million, and $4 million for the years ended December 31, 2021, 2020, and 2019, respectively. Total carrying value of the LIHTC investments was $68 million at December 31, 2021 and $54 million at December 31, 2020. We are periodically required to provide additional financial support during the investment period. Our liability for these unfunded commitments was $30&#160;million at December 31, 2021 and $19 million at December 31, 2020.</span></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Held for Investment<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock', window );">Loans Held for Investment</a></td>
<td class="text">Loans Held for Investment<div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans held for investment consist of Private Education Loans, FFELP Loans, and Credit Cards. We use &#8220;Personal Loans&#8221; to mean those unsecured loans to individuals that may be used for non-educational purposes. We sold our entire Personal Loan portfolio in the third quarter of 2020.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Private Education Loans are made largely to bridge the gap between the cost of higher education and the amount funded through financial aid, government loans, and customers&#8217; resources. Private Education Loans bear the full credit risk of the customer. We manage this risk through risk-performance underwriting strategies and qualified cosigners. Private Education Loans may be fixed-rate or may carry a variable interest rate indexed to LIBOR, the London interbank offered rate, or SOFR, the Secured Overnight Financing Rate. As of December&#160;31, 2021 and 2020, 52.1 percent and 55 percent, respectively, of all of our Private Education Loans were indexed to LIBOR or SOFR. We provide incentives for customers to include a cosigner on the loan, and the vast majority of Private Education Loans in our portfolio are cosigned. We also encourage customers to make payments while in school. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FFELP Loans are insured as to their principal and accrued interest in the event of default, subject to a risk-sharing level based on the date of loan disbursement. These insurance obligations are supported by contractual rights against the United States. For loans disbursed on or after July 1, 2006, we receive 97 percent reimbursement on all qualifying claims. For loans disbursed after October 1, 1993, and before July 1, 2006, we receive 98 percent reimbursement on all qualifying claims. For loans disbursed prior to October 1, 1993, we receive 100 percent reimbursement on all qualifying claims.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the third quarter of 2020, we sold our entire Personal Loan portfolio, including $697&#160;million of principal and $7&#160;million in accrued interest, which resulted in a $43&#160;million reduction to our provision for credit losses in that period. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2020, we recognized $238&#160;million gains from the sale of approximately $3.1&#160;billion of our Private Education Loans, including $2.9&#160;billion of principal and $199&#160;million in capitalized interest, to unaffiliated third-parties. In 2021, we recognized $548&#160;million gains from the sale of approximately $4.24&#160;billion of our Private Education Loans, including $3.98&#160;billion of principal and $264&#160;million in capitalized interest, to unaffiliated third-parties. There were VIEs created in the execution of certain of these loan sales; however, based on our consolidation analysis, we are not the primary beneficiary of these VIEs. These transactions qualified for sale treatment and removed the balance of the loans from our balance sheet on the respective settlement dates. We remained the servicer of these loans pursuant to applicable servicing agreements executed in connection with the sales. For additional information, see Notes to Consolidated Financial Statements, Note 11, &#8220;Borrowings - Unconsolidated VIEs.&#8221;</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans held for investment are summarized as follows:</span></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"><tr><td style="width:1.0%"/><td style="width:57.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.911%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.911%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.679%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Private Education Loans:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,920,547&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,950,216&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable-rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,796,316&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,779,121&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/ (discount)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67,488&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,475&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,158,977)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,355,844)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,625,374&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,436,968&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">695,216&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">737,593&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/ (discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,815&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,993&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,077)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,378)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total FFELP Loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,954&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">735,208&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Credit Cards (fixed-rate)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/ (discount)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">222&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">230&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,281)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,501)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Credit Cards, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,955&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,967&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Loans held for investment, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,341,283&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,183,143&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated weighted average life of education loans in our portfolio was approximately 4.7 years and 5.4 years at December&#160;31, 2021 and 2020, respectively. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The average balance and the respective weighted average interest rates of loans in our portfolio are summarized as follows:</span></div><div style="text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.500%"><tr><td style="width:1.0%"/><td style="width:26.201%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.069%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.757%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.058%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.439%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.582%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.439%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.590%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Weighted Average Interest Rate</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,968,061&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.25&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,426,216&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.42&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,225,473&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.32&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">718,186&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.43&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">757,953&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.76&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">814,198&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.79&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">582,552&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.43&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,141,503&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.09&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,982&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.67&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,390&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6.04)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total portfolio</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,701,229&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,776,111&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,181,174&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr></table></div><div><span><br/></span></div><div><span><br/></span></div><div style="text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Certain Collection Tools &#8212; Private Education Loans</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations and achieve better student outcomes, and increase the collectability of the loan. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. Forbearance is granted prospectively for borrowers who are current in their payments and may be granted retroactively for certain delinquent borrowers.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Forbearance allows a borrower to not make scheduled payments for a specified period of time. Using forbearance extends the original term of the loan by the term of forbearance taken. Forbearance does not grant any reduction in the total principal or interest repayment obligation. While a loan is in forbearance status, interest continues to accrue and is capitalized (added to principal) at the end of the forbearance. Interest will not capitalize at the end of certain types of forbearance, such as disaster forbearance, however.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We grant forbearance through our servicing centers to borrowers who are current in their payments and through our collections centers to certain borrowers who are delinquent. Our forbearance policies and practices vary depending upon whether a borrower is current or delinquent at the time forbearance is requested, generally with stricter payment requirements for delinquent borrowers. We view the population of borrowers that use forbearance positively because the borrowers are either proactively reaching out to us to obtain assistance in managing their obligations or are working with our collections center to bring their loans current.  </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Forbearance may be granted through our servicing centers to customers who are exiting their grace period, and to other customers who are current in their payments, to provide temporary payment relief. In these circumstances, a customer&#8217;s loan is placed into a forbearance status in limited monthly increments and is reflected in the forbearance status at month-end during this time. At the end of the forbearance period, the customer will enter repayment status as current and is expected to begin making scheduled monthly payments.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Forbearance may also be granted through our collections centers to customers who are delinquent in their payments. If specific payment requirements are met, the forbearance can cure the delinquency and the customer is returned to a current repayment status. Forbearance as a collection tool is used most effectively when applying historical experience and our judgment to a customer&#8217;s unique situation. We leverage updated customer information and other decision support tools to best determine who will be granted forbearance based on our expectations as to a customer&#8217;s ability and willingness to repay their obligation. This strategy is aimed at assisting customers while mitigating the risks of delinquency and default as well as encouraging resolution of delinquent loans. In most instances, we require one payment, as an indication of a customer&#8217;s willingness and ability to repay, before granting forbearance to delinquent borrowers.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Historically, we have utilized disaster forbearance to assist borrowers affected by material events, including hurricanes, wildfires, floods, and the COVID-19 pandemic. We typically grant disaster forbearance to affected borrowers in increments of up to three months at a time, but the disaster forbearance granted generally does not apply toward the 12-month forbearance limit described below.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During COVID-19, our customers experienced higher levels of financial hardship, which initially led to higher levels of forbearance. We expect for some customers financial hardship may lead to higher levels of delinquencies and defaults in the future, as borrowers who had received disaster forbearance from us re-enter repayment status. Beginning in June 2021, we stopped granting disaster forbearance in response to the COVID-19 pandemic. As borrowers in the various delinquency buckets exit disaster forbearance and begin to enter repayment, we expect elevated levels of losses on this segment of our customers. We expect that, left unabated, this deterioration in delinquency and default rates may persist until economic conditions return to pre-pandemic levels.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management continually monitors our credit administration practices and may periodically modify these practices based upon performance, industry conventions, and/or regulatory feedback. In light of these considerations, we previously announced certain planned changes to our credit administration practices, including the imposition of limits on the number of forbearance months granted consecutively and the number of times certain extended or reduced repayment alternatives may be granted.  Prior to implementation of the previously announced changes, borrowers could receive consecutive forbearance grants without intervening payments of principal and interest, if they satisfied all eligibility requirements.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We commenced testing in October 2019 for some of the previously announced planned changes on a very small percentage of our total portfolio and in March 2020 we began to expand the number of borrowers who would be subject to the new credit administration practices. However, due to the COVID-19 pandemic, in April 2020 we postponed our efforts so that we could be more flexible in dealing with our customers&#8217; financial hardship. In October 2020, we re-initiated a multi-phased deployment of certain previously announced credit administration practices changes. In October 2021, we announced additional planned changes to our credit administration practices, which we implemented in December 2021.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Currently, we generally grant forbearance in increments of <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzAxNzY_4680ee78-12c7-4bbc-9040-f012c34bbfd8">one</span> to two months at a time, for up to 12 months over the life of the loan, although disaster forbearance and certain assistance we grant to borrowers who are still in school do not apply toward the 12-month limit. We also currently require 12 months of positive payment performance by a borrower (meaning the borrower must make payment in a cumulative amount equivalent to 12 monthly required payments under the loan) between successive grants of forbearance and between forbearance grants and certain other repayment alternatives. This required period of positive payment performance does not apply, however, to forbearances granted during the first six months following a borrower&#8217;s grace period and is not required for a borrower to receive a contractual interest rate reduction. In addition, we currently limit the participation of delinquent borrowers in certain short-term extended or interest-only repayment alternatives to once in 12 months and twice in five years. We also now count the number of months a borrower receives a short-term extended repayment alternative toward the 12-month forbearance limit described above.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We also offer rate and term modifications to customers experiencing more severe hardship. Currently, we temporarily reduce the contractual interest rate on a loan to 4 percent for a two-year period and, in the vast majority of cases, permanently extend the final maturity date of the loan. As part of demonstrating the ability and willingness to pay, the customer must make three consecutive monthly payments at the reduced payment to qualify for the program. The combination of the rate reduction and maturity extension helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate. We currently limit the granting of a permanent extension of the final maturity date of the loan under our loan modification program to one time over the life of the loan. We also currently permit two consecutive rate reductions to 4.0 percent so long as the borrower qualifies and makes three consecutive monthly payments at the reduced payment in connection with each rate reduction. We currently require 12 months of positive payment performance after the interest rate adjusts upward to its previous rate (at the end of the rate reduction periods) before the borrower may be eligible for a forbearance or certain other repayment alternatives, however. We also now limit the number of interest rate reductions to twice over the life of the loan.  At December&#160;31, 2021 and December&#160;31, 2020, 7.2 percent and 7.8 percent, respectively, of our loans then currently in full principal and interest repayment status were subject to interest rate reductions made under our rate modification program.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">While there are limitations to our estimate of the future impact of the various credit administration practices changes we have implemented, absent the effect of any mitigating measures, we expect that the credit administration practices described above, including the changes we implemented in December 2021, will accelerate periodic defaults and could increase periodic defaults in our Private Education Loan held for investment portfolio by approximately 10.1 percent to 16.6 percent. Among the measures that we have implemented and may modify further and expect may partly offset or moderate any acceleration of or increase in defaults will be greater focus on the risk assessment process to ensure borrowers are mapped to the appropriate program, better utilization of existing loss mitigation programs (e.g., Graduated Repayment Period program (&#8220;GRP&#8221;) and rate modifications), and the use of a program offering short-term payment reductions (permitting interest-only payments for up to six months) for certain early-stage delinquencies.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The full impact of these changes to our collections practices described above will only be realized over the long term. When we calculated the allowance for credit losses under CECL at December 31, 2021, our loan loss reserves were significantly impacted because we expect the life of loan defaults on our overall Private Education Loan portfolio to increase, in part as a result of the changes to our credit administration practices described above. We expect to learn more about how our borrowers are reacting to these changes to our credit administration practices and, as we analyze such reactions, we will continue to refine our estimates of the impact of those changes on our allowance for credit losses.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As discussed above, we will continue to monitor our credit administration practices and may modify them further from time to time based upon performance, industry conventions, and/or regulatory feedback. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The period of delinquency for loans is based on the number of days scheduled payments are contractually past due. As of December&#160;31, 2021 and 2020, we had $80 million and $81&#160;million, respectively, of Private Education Loans held for investment and $34 million and $36 million, respectively, of FFELP Loans held for investment which were more than 90 days delinquent that continue to accrue interest. At December&#160;31, 2021 and 2020, we had no loans in nonaccrual status.</span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Borrower-in-Custody Arrangements</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain Borrower-in-Custody arrangements with the FRB. Under these arrangements, we can pledge FFELP Loans or Private Education Loans to the FRB to secure any advances and accrued interest generated under the Primary Credit program at the FRB. As of December&#160;31, 2021 and 2020, we had $2.9 billion and $3.3 billion, respectively, of Private Education Loans pledged to this borrowing facility, as discussed further in Note 11, &#8220;Borrowings.&#8221; We did not have any FFELP consolidation loans pledged at December 31, 2021 or 2020. </span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Held for Investment by Region</span></div><div style="margin-top:9pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2021 and 2020, 38.4 percent and 38.8 percent, respectively,  of total education loans were concentrated in the following states: </span></div><div style="margin-top:9pt;text-align:center;text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:36.944%"><tr><td style="width:1.0%"/><td style="width:43.636%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.679%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.087%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:1.907%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.091%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As of December 31,</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">New York</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.4&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.7&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">California</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pennsylvania</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.8&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">New Jersey</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Texas</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.6&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38.4&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38.8&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">No other state had a concentration of total education loans in excess of 5 percent of the aggregate outstanding education loans held for investment.</span></div> Loans Held for SaleWe had no loans held for sale at December 31, 2021 and $2.9&#160;billion loans held for sale at December 31, 2020. At December 31, 2020, we reversed $206&#160;million through the provisions for credit losses for the allowance related to these loans, when the loans were transferred from held for investment to held-for-sale. For additional information on loan sales, see Note 5, &#8220;Loans Held for Investment,&#8221; and Note 11, &#8220;Borrowings &#8212; Unconsolidated VIEs.&#8221;<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326934072">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Held for Sale<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransfersAndServicingAbstract', window );"><strong>Transfers and Servicing [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock', window );">Loans Held for Sale</a></td>
<td class="text">Loans Held for Investment<div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans held for investment consist of Private Education Loans, FFELP Loans, and Credit Cards. We use &#8220;Personal Loans&#8221; to mean those unsecured loans to individuals that may be used for non-educational purposes. We sold our entire Personal Loan portfolio in the third quarter of 2020.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Private Education Loans are made largely to bridge the gap between the cost of higher education and the amount funded through financial aid, government loans, and customers&#8217; resources. Private Education Loans bear the full credit risk of the customer. We manage this risk through risk-performance underwriting strategies and qualified cosigners. Private Education Loans may be fixed-rate or may carry a variable interest rate indexed to LIBOR, the London interbank offered rate, or SOFR, the Secured Overnight Financing Rate. As of December&#160;31, 2021 and 2020, 52.1 percent and 55 percent, respectively, of all of our Private Education Loans were indexed to LIBOR or SOFR. We provide incentives for customers to include a cosigner on the loan, and the vast majority of Private Education Loans in our portfolio are cosigned. We also encourage customers to make payments while in school. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FFELP Loans are insured as to their principal and accrued interest in the event of default, subject to a risk-sharing level based on the date of loan disbursement. These insurance obligations are supported by contractual rights against the United States. For loans disbursed on or after July 1, 2006, we receive 97 percent reimbursement on all qualifying claims. For loans disbursed after October 1, 1993, and before July 1, 2006, we receive 98 percent reimbursement on all qualifying claims. For loans disbursed prior to October 1, 1993, we receive 100 percent reimbursement on all qualifying claims.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the third quarter of 2020, we sold our entire Personal Loan portfolio, including $697&#160;million of principal and $7&#160;million in accrued interest, which resulted in a $43&#160;million reduction to our provision for credit losses in that period. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2020, we recognized $238&#160;million gains from the sale of approximately $3.1&#160;billion of our Private Education Loans, including $2.9&#160;billion of principal and $199&#160;million in capitalized interest, to unaffiliated third-parties. In 2021, we recognized $548&#160;million gains from the sale of approximately $4.24&#160;billion of our Private Education Loans, including $3.98&#160;billion of principal and $264&#160;million in capitalized interest, to unaffiliated third-parties. There were VIEs created in the execution of certain of these loan sales; however, based on our consolidation analysis, we are not the primary beneficiary of these VIEs. These transactions qualified for sale treatment and removed the balance of the loans from our balance sheet on the respective settlement dates. We remained the servicer of these loans pursuant to applicable servicing agreements executed in connection with the sales. For additional information, see Notes to Consolidated Financial Statements, Note 11, &#8220;Borrowings - Unconsolidated VIEs.&#8221;</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans held for investment are summarized as follows:</span></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"><tr><td style="width:1.0%"/><td style="width:57.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.911%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.911%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.679%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Private Education Loans:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,920,547&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,950,216&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable-rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,796,316&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,779,121&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/ (discount)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67,488&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,475&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,158,977)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,355,844)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,625,374&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,436,968&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">695,216&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">737,593&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/ (discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,815&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,993&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,077)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,378)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total FFELP Loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,954&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">735,208&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Credit Cards (fixed-rate)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/ (discount)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">222&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">230&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,281)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,501)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Credit Cards, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,955&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,967&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Loans held for investment, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,341,283&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,183,143&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated weighted average life of education loans in our portfolio was approximately 4.7 years and 5.4 years at December&#160;31, 2021 and 2020, respectively. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The average balance and the respective weighted average interest rates of loans in our portfolio are summarized as follows:</span></div><div style="text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.500%"><tr><td style="width:1.0%"/><td style="width:26.201%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.069%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.757%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.058%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.439%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.582%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.439%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.590%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Weighted Average Interest Rate</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,968,061&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.25&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,426,216&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.42&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,225,473&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.32&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">718,186&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.43&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">757,953&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.76&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">814,198&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.79&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">582,552&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.43&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,141,503&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.09&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,982&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.67&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,390&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6.04)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total portfolio</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,701,229&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,776,111&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,181,174&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr></table></div><div><span><br/></span></div><div><span><br/></span></div><div style="text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Certain Collection Tools &#8212; Private Education Loans</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations and achieve better student outcomes, and increase the collectability of the loan. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. Forbearance is granted prospectively for borrowers who are current in their payments and may be granted retroactively for certain delinquent borrowers.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Forbearance allows a borrower to not make scheduled payments for a specified period of time. Using forbearance extends the original term of the loan by the term of forbearance taken. Forbearance does not grant any reduction in the total principal or interest repayment obligation. While a loan is in forbearance status, interest continues to accrue and is capitalized (added to principal) at the end of the forbearance. Interest will not capitalize at the end of certain types of forbearance, such as disaster forbearance, however.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We grant forbearance through our servicing centers to borrowers who are current in their payments and through our collections centers to certain borrowers who are delinquent. Our forbearance policies and practices vary depending upon whether a borrower is current or delinquent at the time forbearance is requested, generally with stricter payment requirements for delinquent borrowers. We view the population of borrowers that use forbearance positively because the borrowers are either proactively reaching out to us to obtain assistance in managing their obligations or are working with our collections center to bring their loans current.  </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Forbearance may be granted through our servicing centers to customers who are exiting their grace period, and to other customers who are current in their payments, to provide temporary payment relief. In these circumstances, a customer&#8217;s loan is placed into a forbearance status in limited monthly increments and is reflected in the forbearance status at month-end during this time. At the end of the forbearance period, the customer will enter repayment status as current and is expected to begin making scheduled monthly payments.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Forbearance may also be granted through our collections centers to customers who are delinquent in their payments. If specific payment requirements are met, the forbearance can cure the delinquency and the customer is returned to a current repayment status. Forbearance as a collection tool is used most effectively when applying historical experience and our judgment to a customer&#8217;s unique situation. We leverage updated customer information and other decision support tools to best determine who will be granted forbearance based on our expectations as to a customer&#8217;s ability and willingness to repay their obligation. This strategy is aimed at assisting customers while mitigating the risks of delinquency and default as well as encouraging resolution of delinquent loans. In most instances, we require one payment, as an indication of a customer&#8217;s willingness and ability to repay, before granting forbearance to delinquent borrowers.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Historically, we have utilized disaster forbearance to assist borrowers affected by material events, including hurricanes, wildfires, floods, and the COVID-19 pandemic. We typically grant disaster forbearance to affected borrowers in increments of up to three months at a time, but the disaster forbearance granted generally does not apply toward the 12-month forbearance limit described below.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During COVID-19, our customers experienced higher levels of financial hardship, which initially led to higher levels of forbearance. We expect for some customers financial hardship may lead to higher levels of delinquencies and defaults in the future, as borrowers who had received disaster forbearance from us re-enter repayment status. Beginning in June 2021, we stopped granting disaster forbearance in response to the COVID-19 pandemic. As borrowers in the various delinquency buckets exit disaster forbearance and begin to enter repayment, we expect elevated levels of losses on this segment of our customers. We expect that, left unabated, this deterioration in delinquency and default rates may persist until economic conditions return to pre-pandemic levels.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management continually monitors our credit administration practices and may periodically modify these practices based upon performance, industry conventions, and/or regulatory feedback. In light of these considerations, we previously announced certain planned changes to our credit administration practices, including the imposition of limits on the number of forbearance months granted consecutively and the number of times certain extended or reduced repayment alternatives may be granted.  Prior to implementation of the previously announced changes, borrowers could receive consecutive forbearance grants without intervening payments of principal and interest, if they satisfied all eligibility requirements.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We commenced testing in October 2019 for some of the previously announced planned changes on a very small percentage of our total portfolio and in March 2020 we began to expand the number of borrowers who would be subject to the new credit administration practices. However, due to the COVID-19 pandemic, in April 2020 we postponed our efforts so that we could be more flexible in dealing with our customers&#8217; financial hardship. In October 2020, we re-initiated a multi-phased deployment of certain previously announced credit administration practices changes. In October 2021, we announced additional planned changes to our credit administration practices, which we implemented in December 2021.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Currently, we generally grant forbearance in increments of <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzAxNzY_4680ee78-12c7-4bbc-9040-f012c34bbfd8">one</span> to two months at a time, for up to 12 months over the life of the loan, although disaster forbearance and certain assistance we grant to borrowers who are still in school do not apply toward the 12-month limit. We also currently require 12 months of positive payment performance by a borrower (meaning the borrower must make payment in a cumulative amount equivalent to 12 monthly required payments under the loan) between successive grants of forbearance and between forbearance grants and certain other repayment alternatives. This required period of positive payment performance does not apply, however, to forbearances granted during the first six months following a borrower&#8217;s grace period and is not required for a borrower to receive a contractual interest rate reduction. In addition, we currently limit the participation of delinquent borrowers in certain short-term extended or interest-only repayment alternatives to once in 12 months and twice in five years. We also now count the number of months a borrower receives a short-term extended repayment alternative toward the 12-month forbearance limit described above.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We also offer rate and term modifications to customers experiencing more severe hardship. Currently, we temporarily reduce the contractual interest rate on a loan to 4 percent for a two-year period and, in the vast majority of cases, permanently extend the final maturity date of the loan. As part of demonstrating the ability and willingness to pay, the customer must make three consecutive monthly payments at the reduced payment to qualify for the program. The combination of the rate reduction and maturity extension helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate. We currently limit the granting of a permanent extension of the final maturity date of the loan under our loan modification program to one time over the life of the loan. We also currently permit two consecutive rate reductions to 4.0 percent so long as the borrower qualifies and makes three consecutive monthly payments at the reduced payment in connection with each rate reduction. We currently require 12 months of positive payment performance after the interest rate adjusts upward to its previous rate (at the end of the rate reduction periods) before the borrower may be eligible for a forbearance or certain other repayment alternatives, however. We also now limit the number of interest rate reductions to twice over the life of the loan.  At December&#160;31, 2021 and December&#160;31, 2020, 7.2 percent and 7.8 percent, respectively, of our loans then currently in full principal and interest repayment status were subject to interest rate reductions made under our rate modification program.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">While there are limitations to our estimate of the future impact of the various credit administration practices changes we have implemented, absent the effect of any mitigating measures, we expect that the credit administration practices described above, including the changes we implemented in December 2021, will accelerate periodic defaults and could increase periodic defaults in our Private Education Loan held for investment portfolio by approximately 10.1 percent to 16.6 percent. Among the measures that we have implemented and may modify further and expect may partly offset or moderate any acceleration of or increase in defaults will be greater focus on the risk assessment process to ensure borrowers are mapped to the appropriate program, better utilization of existing loss mitigation programs (e.g., Graduated Repayment Period program (&#8220;GRP&#8221;) and rate modifications), and the use of a program offering short-term payment reductions (permitting interest-only payments for up to six months) for certain early-stage delinquencies.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The full impact of these changes to our collections practices described above will only be realized over the long term. When we calculated the allowance for credit losses under CECL at December 31, 2021, our loan loss reserves were significantly impacted because we expect the life of loan defaults on our overall Private Education Loan portfolio to increase, in part as a result of the changes to our credit administration practices described above. We expect to learn more about how our borrowers are reacting to these changes to our credit administration practices and, as we analyze such reactions, we will continue to refine our estimates of the impact of those changes on our allowance for credit losses.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As discussed above, we will continue to monitor our credit administration practices and may modify them further from time to time based upon performance, industry conventions, and/or regulatory feedback. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The period of delinquency for loans is based on the number of days scheduled payments are contractually past due. As of December&#160;31, 2021 and 2020, we had $80 million and $81&#160;million, respectively, of Private Education Loans held for investment and $34 million and $36 million, respectively, of FFELP Loans held for investment which were more than 90 days delinquent that continue to accrue interest. At December&#160;31, 2021 and 2020, we had no loans in nonaccrual status.</span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Borrower-in-Custody Arrangements</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain Borrower-in-Custody arrangements with the FRB. Under these arrangements, we can pledge FFELP Loans or Private Education Loans to the FRB to secure any advances and accrued interest generated under the Primary Credit program at the FRB. As of December&#160;31, 2021 and 2020, we had $2.9 billion and $3.3 billion, respectively, of Private Education Loans pledged to this borrowing facility, as discussed further in Note 11, &#8220;Borrowings.&#8221; We did not have any FFELP consolidation loans pledged at December 31, 2021 or 2020. </span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Held for Investment by Region</span></div><div style="margin-top:9pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2021 and 2020, 38.4 percent and 38.8 percent, respectively,  of total education loans were concentrated in the following states: </span></div><div style="margin-top:9pt;text-align:center;text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:36.944%"><tr><td style="width:1.0%"/><td style="width:43.636%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.679%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.087%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:1.907%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.091%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As of December 31,</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">New York</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.4&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.7&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">California</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pennsylvania</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.8&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">New Jersey</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Texas</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.6&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38.4&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38.8&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">No other state had a concentration of total education loans in excess of 5 percent of the aggregate outstanding education loans held for investment.</span></div> Loans Held for SaleWe had no loans held for sale at December 31, 2021 and $2.9&#160;billion loans held for sale at December 31, 2020. At December 31, 2020, we reversed $206&#160;million through the provisions for credit losses for the allowance related to these loans, when the loans were transferred from held for investment to held-for-sale. For additional information on loan sales, see Note 5, &#8220;Loans Held for Investment,&#8221; and Note 11, &#8220;Borrowings &#8212; Unconsolidated VIEs.&#8221;<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>Receivables [Abstract]</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesTextBlock', window );">Allowance for Credit Losses</a></td>
<td class="text">Allowance for Credit LossesOur provision for credit losses represents the periodic expense of maintaining an allowance sufficient to absorb lifetime expected credit losses in the held for investment loan portfolios. The evaluation of the allowance for credit losses is inherently subjective, as it requires material estimates that may be susceptible to significant changes. We believe the allowance for credit losses is appropriate to cover lifetime expected losses incurred in the loan portfolios. See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses - 2021 and 2020, &#8212; Allowance for Private Education Loan Losses - 2021 and 2020, &#8212; Allowance for FFELP Loan Losses - 2021 and 2020, &#8212; Allowance for Credit Card Loans - 2021 and 2020, &#8212; Allowance for Credit Losses - 2019, &#8212; Allowance for Private Education Loan Losses - 2019, &#8212; Allowance for FFELP Loan Losses - 2019, and &#8212; Allowance for Credit Card Loans - 2019&#8221; for a more detailed discussion. <div style="text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Losses Metrics</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.388%"><tr><td style="width:1.0%"/><td style="width:44.340%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.559%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.559%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.553%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.559%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.559%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP&#160;<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private&#160;Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Allowance for Credit Losses</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4,378&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,501&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,361,723&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Transfer from unfunded commitment liability</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">301,655&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">301,655&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Provisions:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Provision for current period</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(233,852)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,124&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(232,708)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Loan sale reduction to provision</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(66,460)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(66,460)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Loans transferred to held-for-sale</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,887&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,887&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Total provisions</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(298,425)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,124&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(297,281)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net charge-offs:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(321)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(229,591)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(356)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(230,268)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">29,494&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">29,506&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(321)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(200,097)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(344)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(200,762)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4,077&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,158,977&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2,281&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,165,335&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:100%">Allowance:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">47,712&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">47,712&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4,077&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,111,265&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2,281&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,117,623&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:100%">Loans:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,057,665&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,057,665&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">695,216&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">19,659,198&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20,379,428&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.06&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1.33&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2.24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending total loan balance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.59&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.59&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">9.12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.74&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">7.47&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">9.12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Allowance coverage of net charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">12.70&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.79&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">6.63&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending total loans, gross</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">695,216&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">545,689&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">15,019,869&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">15,343&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">553,980&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">15,511,212&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr></table></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">See Note 8, &#8220;Unfunded Loan Commitments,&#8221; for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses. </span></div><div style="padding-left:45pt;text-indent:-9pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"><tr><td style="width:1.0%"/><td style="width:74.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.790%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2021 (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loan provisions for credit losses:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for loan losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(298,425)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">264,324&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loan provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(34,101)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Other impacts to the provisions for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,124&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,144&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Provisions for credit losses reported in consolidated statements of income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(32,957)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. </span></div><div style="padding-left:49.5pt;padding-right:49.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.222%"><tr><td style="width:1.0%"/><td style="width:35.044%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.797%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.960%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.948%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.484%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.854%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.101%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private&#160;Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for Credit Losses</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">441,912&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Day 1 adjustment for the adoption of CECL</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,852&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,060,830&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,183&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,143,053&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at January 1, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,485&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,435,130&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,060&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,584,965&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfer from unfunded commitment liability</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320,808&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320,808&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provisions:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for current period</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,673&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,485&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,328&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190,898&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan sale reduction to provision</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(161,793)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42,916)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(204,709)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans transferred to held-for-sale</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205,669)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205,669)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total provisions</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(218,789)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,431)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,328&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(219,480)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205,326)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39,079)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(119)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(245,043)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,021&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,984&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,007&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(181,305)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,095)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(117)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(216,036)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan sales</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(108,534)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(108,534)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,378&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,501&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,361,723&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Allowance:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104,265&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104,265&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,378&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,251,579&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,501&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,257,458&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,274,590&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,274,590&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">737,593&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,454,747&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,204,578&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.09&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.17&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.26&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending total loan balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.59&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.87&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.27&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.76&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.48&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.27&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance coverage of net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.44&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.48&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.83&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending total loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">737,593&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549,584&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,518,851&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,286&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">573,361&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,304,821&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr></table></div><div style="padding-left:9pt;padding-right:36pt;text-indent:-9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">      </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">See Note 8, &#8220;Unfunded Loan Commitments,&#8221; for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses. </span></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"><tr><td style="width:1.0%"/><td style="width:74.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.790%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2020 (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loan provisions for credit losses:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for loan losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(218,789)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">312,613&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loan provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">93,824&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Other impacts to the provisions for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(2,431)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">412&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,328&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(691)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Provisions for credit losses reported in consolidated statements of income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">93,133&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:38.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.014%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2019<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private&#160;Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Allowance for Credit Losses</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">977&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">277,943&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">62,201&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">341,121&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total provision</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,478&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">279,570&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,783&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">353,934&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;Charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(822)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(208,978)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(74,313)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(284,114)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;Recoveries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,765&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,206&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,971&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(822)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(183,213)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(69,107)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(253,143)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">441,912&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:100%">Allowance:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186,697&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186,697&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">187,603&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">255,215&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:100%">Loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,581,966&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,581,966&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">783,306&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,607,625&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,049,007&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,884&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,443,822&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.13&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.17&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.07&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.13&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending total loan balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.21&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.28&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.63&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.26&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.23&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.28&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.63&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance coverage of net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.99&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.04&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.95&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending total loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">783,306&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,189,591&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,049,007&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,884&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">631,029&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,605,927&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,138,887&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">786&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">617,646&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,787,670&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,049,007&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,884&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="margin-top:9pt;padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Losses - Forecast Assumptions</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In determining the adequacy of the allowance for credit losses, we include forecasts of college graduate unemployment and the Consumer Price Index in our loss forecasting models. We obtain forecasts for these two inputs from Moody&#8217;s Analytics. Moody&#8217;s Analytics provides a range of forecasts for each of these inputs with various likelihoods of occurring. We determine which forecasts we will include in our estimation of allowance for credit losses and the associated weightings for each of these inputs. At January 1, 2020 (the initial adoption date of CECL), December 31, 2020, and December 31, 2021, we used the Base (50th percentile likelihood of occurring)/S1 (stronger near-term growth scenario with 10 percent likelihood of occurring)/S3 (downside scenario with 10 percent likelihood of occurring) scenarios and weighted them 40 percent, 30 percent, and 30 percent, respectively. Management reviews both the scenarios and their respective weightings each quarter in determining the allowance for credit losses.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the year ended December 31, 2021, we had negative total provisions for credit losses of $33 million. This decrease of $126&#160;million in 2021 compared with the year-ago period was primarily the result of improving economic forecasts in 2021 and faster prepayment speeds. During the first quarter of 2021, we increased our estimates of future prepayment speeds during both the two-year reasonable and supportable period as well as the remaining term of the underlying loans. These faster estimated prepayment speeds during the two-year reasonable and supportable period reflect the significant improvement in economic forecasts, as well as the implementation of an updated prepayment speed model. In the fourth quarter of 2021, we increased our long-term estimate of prepayment speeds to reflect higher long-term prepayment experience. Partially offsetting these benefits were additional provisions to reflect the adoption of our credit administration practices changes and other management overlays. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Troubled Debt Restructurings </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All of our loans are collectively assessed for impairment, except for loans classified as TDRs (where we conduct individual assessments of impairment). We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations, achieve better student outcomes, and increase the collectability of the loan. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When we give a borrower facing financial difficulty an interest rate reduction, we temporarily reduce the contractual interest rate on a loan to 4.0 percent for a two-year period and, in the vast majority of cases, permanently extend the final maturity date of the loan. The combination of these two loan term changes helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate.&#160;At December 31, 2021 and 2020, 7.2 percent and 7.8 percent, respectively, of our Private Education Loans held for investment then currently in full principal and interest repayment status were subject to interest rate reductions made under our rate modification program. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Once a loan qualifies for TDR status, it remains a TDR for allowance purposes for the remainder of its life. As of both December 31, 2021 and 2020, approximately 47 percent of TDRs were classified as such due to their forbearance status. See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses&#8221; for a more detailed discussion.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Within the Private Education Loan portfolio, loans 90 days or greater past due are nonperforming. FFELP Loans are at least 97 percent guaranteed as to their principal and accrued interest by the federal government in the event of default and, therefore, we do not deem FFELP Loans as nonperforming from a credit risk perspective at any point in their life cycle prior to claim payment and continue to accrue interest on those loans through the date of claim. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December 31, 2021 and 2020, all of our TDR loans had a related allowance recorded. The following table provides the recorded investment, unpaid principal balance, and related allowance for our TDR loans. </span></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:57.361%"><tr><td style="width:1.0%"/><td style="width:31.103%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.010%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.386%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.463%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.481%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.463%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.094%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Recorded Investment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Unpaid Principal Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Allowance</span></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,093,387&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,057,665&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,712&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,312,805&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,274,590&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">104,265&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;The following table provides the average recorded investment and interest income recognized for our TDR loans.</span></div><div><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.305%"><tr><td style="width:1.0%"/><td style="width:17.186%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.573%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.612%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.953%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.953%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.420%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.420%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.592%"/><td style="width:0.1%"/></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:30pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Recorded Investment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Income Recognized</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Recorded Investment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Income Recognized</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Recorded Investment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Income Recognized</span></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,220,739&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">84,822&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,546,908&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100,125&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,434,137&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">95,507&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information regarding the loan status and aging of TDR loans. For the periods presented below, we updated our delinquency bucket periods from what we reported in our 2020 Form 10-K to conform with the delinquency bucket periods defined by the Federal Financial Institutions Examination Council (&#8220;FFIEC&#8221;).</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:86.805%"><tr><td style="width:1.0%"/><td style="width:53.940%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.600%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.420%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.600%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.380%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.360%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.420%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.600%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.380%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR loans in in-school/grace/deferment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">80,281&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">88,750&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR loans in forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41,464&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,704&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"> and percentage of each status:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans current</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">832,018&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">88.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">971,880&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">87.7&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans delinquent 30-59 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48,766&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.2&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">59,249&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans delinquent 60-89 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,575&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">43,576&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans 90 days or greater past due</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,561&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.6&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34,431&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.1&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total TDR loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">935,920&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,109,136&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total TDR loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,057,665&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,274,590&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period, (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The period of delinquency is based on the number of days scheduled payments are contractually past due.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides the amount of modified loans (which include forbearance and reductions in interest rates) that became TDRs in the periods presented. Additionally, for the periods presented, the table summarizes charge-offs occurring in the TDR portfolio, as well as TDRs for which a payment default occurred in the relevant period presented and within 12 months of the loan first being designated as a TDR. We define payment default as 60 days past due for this disclosure. </span></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.416%"><tr><td style="width:1.0%"/><td style="width:12.291%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.779%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.964%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.964%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.051%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.652%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.964%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.469%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.070%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.070%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.905%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.663%"/><td style="width:0.1%"/></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Modified Loans</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Charge-offs</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment-Default</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Modified Loans</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Charge-offs</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment-Default</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Modified Loans</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Charge-offs</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment-Default</span></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,410&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">64,682&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,626&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">207,001&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71,267&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">75,153&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">515,398&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">74,137&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">111,810&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)   Represents the principal balance of loans that have been modified during the period and resulted in a TDR. </span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Private Education Loans Held for Investment - Key Credit Quality Indicators</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FFELP Loans are at least 97 percent guaranteed as to their principal and accrued interest in the event of default; therefore, there are no key credit quality indicators associated with FFELP Loans. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For Private Education Loans, the key credit quality indicators are FICO scores, the existence of a cosigner, the loan status, and loan seasoning. The FICO scores are assessed at original approval and periodically refreshed/updated through the loan&#8217;s term. The following tables highlight the gross principal balance of our Private Education Loan portfolio (held for investment), by year of origination, stratified by key credit quality indicators. </span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.500%"><tr><td style="width:1.0%"/><td style="width:17.969%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.550%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.059%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.052%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.560%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment - Credit Quality Indicators</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year of Origination</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016 and Prior</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">% of Balance</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Cosigners:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">With cosigner</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,263,892&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,604,553&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,778,262&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,025,463&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,765,719&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,753,775&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,191,664&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">88&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Without cosigner</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">558,469&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">561,730&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">438,263&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">294,597&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">212,514&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">459,626&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,525,199&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,822,361&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,166,283&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,216,525&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,320,060&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,978,233&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,213,401&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FICO at Origination</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Less than 670</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">248,368&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">238,005&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">251,157&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">193,123&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">166,048&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">428,416&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,525,117&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">670-699</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">508,264&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">564,497&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">493,237&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">363,313&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">329,807&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">884,981&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,144,099&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">700-749</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,210,833&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,348,269&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,057,001&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">770,452&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">660,270&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,753,709&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,800,534&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">33&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Greater than or equal to 750</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,854,896&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,015,512&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,415,130&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">993,172&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">822,108&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,146,295&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,247,113&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">45&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,822,361&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,166,283&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,216,525&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,320,060&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,978,233&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,213,401&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:11pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FICO Refreshed</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Less than 670</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">326,613&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">279,578&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">273,652&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">235,684&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">233,022&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">739,268&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,087,817&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">670-699</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">506,021&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">475,674&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">365,133&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">256,400&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">209,536&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">570,605&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,383,369&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">700-749</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,209,493&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,285,015&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">978,763&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">682,024&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">568,766&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,448,692&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,172,753&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Greater than or equal to 750</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,780,234&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,126,016&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,598,977&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,145,952&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">966,909&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,454,836&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">10,072,924&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">48&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,822,361&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,166,283&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,216,525&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,320,060&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,978,233&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,213,401&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Seasoning</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1-12 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,265,811&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">594,850&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">515,328&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">385,246&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">340,242&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">501,269&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,602,746&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13-24 payments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,287,737&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">362,674&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">203,674&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">211,064&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">479,540&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,544,689&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">25-36 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">173&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,565,203&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">312,049&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">164,575&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">482,369&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,524,369&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">37-48 payments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">983,434&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">295,206&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">464,563&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,743,203&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">More than 48 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">671,138&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,726,304&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,397,442&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Not yet in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,556,550&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,283,523&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">773,320&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">435,657&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">296,008&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">559,356&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,904,414&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,822,361&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,166,283&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,216,525&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,320,060&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,978,233&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,213,401&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2021 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">gross charge-offs</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,183)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(8,604)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(23,866)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(32,741)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(37,186)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(126,011)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(229,591)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2021 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> recoveries</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">35&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">540&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,092&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,693&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,450&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,684&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">29,494&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2021 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> net charge-offs</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,148)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(8,064)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(21,774)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(29,048)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(32,736)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(107,327)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(200,097)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total accrued interest by origination vintage</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">109,233&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">247,418&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">270,242&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">198,816&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">131,685&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">229,729&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,187,123&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="51" rowspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-top:3pt;padding-left:24.75pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Balance represents gross Private Education Loans held for investment.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Represents the higher credit score of the cosigner or the borrower.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Represents the FICO score updated as of the fourth-quarter 2021.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was due.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Current period refers to period from January 1, 2021 through December 31, 2021.</span></div></td></tr><tr style="height:23pt"><td colspan="51" style="display:none"/></tr><tr style="height:26pt"><td colspan="51" style="display:none"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.500%"><tr><td style="width:1.0%"/><td style="width:17.969%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.550%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.059%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.052%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.560%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment -  Credit Quality Indicators</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year of Origination</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2015 and Prior</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">% of Balance</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Cosigners:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">With cosigner</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,915,328&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,467,219&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,556,400&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,262,635&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,977,952&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,198,748&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">17,378,282&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">88&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Without cosigner</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">527,437&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">559,629&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">384,111&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">277,159&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">211,270&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">391,449&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,351,055&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,442,765&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,026,848&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,940,511&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,539,794&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,189,222&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,590,197&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FICO at Origination</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Less than 670</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">195,214&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">290,711&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">225,276&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">197,948&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">162,413&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">369,609&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,441,171&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">670-699</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">464,785&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">594,950&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">441,357&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">407,394&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">351,303&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">771,477&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,031,266&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">700-749</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,111,373&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,310,390&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">967,802&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">846,983&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">740,028&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,533,517&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,510,093&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">33&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Greater than or equal to 750</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,671,393&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,830,797&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,306,076&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,087,469&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">935,478&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,915,594&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,746,807&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">44&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,442,765&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,026,848&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,940,511&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,539,794&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,189,222&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,590,197&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FICO Refreshed</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Less than 670</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">240,154&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">331,229&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">301,784&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">298,195&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">293,077&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">734,599&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,199,038&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">670-699</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">438,665&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">493,135&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">336,966&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">283,906&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">231,759&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">504,779&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,289,210&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">700-749</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,102,666&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,248,806&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">871,677&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">734,222&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">603,160&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,220,468&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,780,999&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Greater than or equal to 750</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,661,280&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,953,678&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,430,084&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,223,471&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,061,226&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,130,351&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,460,090&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">48&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,442,765&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,026,848&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,940,511&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,539,794&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,189,222&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,590,197&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:11pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Seasoning</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1-12 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,068,517&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">600,038&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">469,143&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">472,258&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">381,197&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">507,343&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,498,496&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">23&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13-24 payments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">163&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,096,635&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">383,977&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">223,332&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">217,379&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">425,345&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,346,831&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">25-36 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,353,567&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">370,250&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">181,940&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">439,337&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,345,094&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">37-48 payments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">965,476&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">351,433&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">402,552&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,719,461&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">More than 48 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">729,510&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,310,905&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,040,415&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Not yet in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,374,085&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,330,175&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">733,824&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">508,478&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">327,763&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">504,715&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,779,040&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,442,765&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,026,848&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,940,511&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,539,794&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,189,222&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,590,197&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2020 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">gross charge-offs</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,087)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(10,940)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(27,000)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(35,851)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(36,416)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(94,032)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(205,326)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2020 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> recoveries</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">42&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">636&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,274&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,585&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,284&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13,200&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">24,021&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2020 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> net charge-offs</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,045)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(10,304)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(24,726)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(32,266)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(32,132)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(80,832)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(181,305)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total accrued interest by origination vintage</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">90,438&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">265,688&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">252,251&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">209,178&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">141,094&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">210,247&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,168,896&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="51" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:3pt;padding-left:24.75pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Balance represents gross Private Education Loans held for investment.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Represents the higher credit score of the cosigner or the borrower.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Represents the FICO score updated as of the fourth-quarter 2020.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was due.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Current period refers to period from January 1, 2020 through December 31, 2020.</span></div></td></tr></table><div style="text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Delinquencies  - Private Education Loans Held for Investment</span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables provide information regarding the loan status of our Private Education Loans held for investment, by year of origination. Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period (but, for purposes of the following tables, do not include those loans while they are in forbearance). For the periods presented below, we updated our delinquency bucket periods from what we reported in our 2020 Form 10-K to conform with the delinquency bucket periods defined by the FFIEC.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.333%"><tr><td style="width:1.0%"/><td style="width:25.685%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.423%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.423%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.423%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.679%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.977%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.580%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment - Delinquencies by Origination Vintage</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016 and Prior</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in-school/grace/deferment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,556,550&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,283,523&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">773,320&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">435,657&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">296,008&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">559,356&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,904,414&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">11,951&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">55,844&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">52,364&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">43,613&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">41,355&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">96,110&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">301,237&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in repayment:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans current</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,234,876&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,786,646&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,321,728&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,772,651&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,570,815&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,319,057&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,005,773&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 30-59 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,148&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">29,146&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">46,616&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">43,197&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">41,695&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">132,757&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">308,559&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 60-89 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,194&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">7,441&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,044&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,310&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,425&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">61,533&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">116,947&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans 90 days or greater past due</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">642&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,683&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,453&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">10,632&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">11,935&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">44,588&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">79,933&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,253,860&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,826,916&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,390,841&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,840,790&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,640,870&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,557,935&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,511,212&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,822,361&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,166,283&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,216,525&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,320,060&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,978,233&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,213,401&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">22,169&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,067&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,575&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,918&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,588&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,171&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">67,488&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,844,530&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,182,350&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,226,100&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,325,978&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,982,821&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,222,572&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,784,351&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans allowance for losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(248,102)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(239,507)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(195,223)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(129,678)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(99,982)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(246,485)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,158,977)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,596,428&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,942,843&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,030,877&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,196,300&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,882,839&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,976,087&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,625,374&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">59.0 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">67.9 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">74.3 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">79.3 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">82.9 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">87.4 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">74.9 %</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">0.8 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.4 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.9 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.7 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.3 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.2 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.3 %</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of loans in repayment and forbearance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">0.5 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.9 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.1 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.3 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.5 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.1 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.9 %</span></td></tr></table></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">The period of delinquency is based on the number of days scheduled payments are contractually past due.</span></div><div style="text-align:center;text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.388%"><tr><td style="width:1.0%"/><td style="width:24.836%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.808%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.952%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.952%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.952%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.952%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.952%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.952%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.718%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment -  Delinquencies by Origination Vintage</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2015 and Prior</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in-school/grace/deferment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)(2)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,374,085&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,330,175&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">733,824&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">508,478&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">327,763&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">504,715&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,779,040&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,159&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">92,677&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">110,319&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">118,946&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">109,073&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">198,302&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">645,476&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans current</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,043,033&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,573,228&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,045,012&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,850,539&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,685,572&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,701,564&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13,898,948&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 30-59 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,400&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,983&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">26,934&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">30,771&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">33,040&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">91,400&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">205,528&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 60-89 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,628&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,143&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,026&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,121&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,064&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">55,661&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">119,643&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans 90 days or greater past due</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">460&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,642&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,396&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12,939&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,710&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">38,555&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">80,702&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,052,521&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,603,996&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,096,368&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,912,370&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,752,386&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,887,180&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,304,821&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,442,765&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,026,848&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,940,511&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,539,794&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,189,222&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,590,197&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">21,129&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13,933&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,671&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,708&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,721&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">7,313&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">63,475&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,463,894&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,040,781&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,949,182&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,546,502&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,194,943&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,597,510&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,792,812&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans allowance for losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(210,875)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(298,776)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(218,136)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(184,265)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(150,150)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(293,642)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,355,844)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,253,019&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,742,005&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,731,046&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,362,237&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,044,793&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,303,868&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,436,968&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">59.6&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">64.7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">71.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">75.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">80.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">84.7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">72.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">0.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of loans in repayment and forbearance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">0.8&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.4&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.9&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.9&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.9&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">For some students, going back to school in the fall of 2020 was not an option because of the pandemic, or for other reasons. Therefore, some students  took a &#8220;gap year&#8221; before returning to school. In 2020, for those students that had unexpectedly separated from school, we provided an extension of time through fall 2021 to re-enroll, before beginning their grace period that occurs prior to entering full principal and interest repayment status. At December 31, 2020, the loans in the &#8220;in-school/grace/deferment&#8221; category above include $401&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. At December 31, 2020, the loans in the &#8220;in forbearance&#8221; category above include $30&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. At December 31, 2020, the loans in the &#8220;in repayment&#8221; category above include $609&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. This program ended in September 2021.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">The period of delinquency is based on the number of days scheduled payments are contractually past due.</span></div><div style="text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.000%"><tr><td style="width:1.0%"/><td style="width:25.215%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.823%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.412%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment - Delinquencies by Origination Vintage</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2019 <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2015</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2014 and Prior</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in-school/grace/deferment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,670,644&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,580,513&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,010,764&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">635,798&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">375,585&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">414,101&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,687,405&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">21,009&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">108,509&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">142,341&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">146,114&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">127,799&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">168,744&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">714,516&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in repayment:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans current</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,340,221&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,159,878&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,781,132&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,566,815&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,225,721&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,241,884&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,315,651&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 30-59 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">11,152&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">26,096&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">44,382&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">51,656&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">54,559&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100,206&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">288,051&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 60-89 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,087&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,527&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">17,048&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">21,161&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">24,562&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">45,917&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">121,302&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans 90 days or greater past due</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">935&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,850&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">7,818&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12,314&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12,946&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">24,803&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">62,666&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,355,395&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,199,351&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,850,380&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,651,946&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,317,788&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,412,810&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,787,670&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,047,048&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,888,373&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,003,485&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,433,858&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,821,172&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,995,655&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">23,189,591&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">23,661&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">17,699&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13,843&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12,304&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,564&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,153&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">81,224&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,070,709&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,906,072&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,017,328&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,446,162&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,829,736&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,000,808&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">23,270,815&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans allowance for losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(3,013)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(19,105)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(44,858)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(71,598)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(80,974)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(154,752)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(374,300)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,067,696&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,886,967&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,972,470&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,374,564&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,748,762&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,846,056&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">22,896,515&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">58.2 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">65.4 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">71.2 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">77.2 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">82.2 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">85.4 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">72.4 %</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">0.6 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.2 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.4 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.2 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.0 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.0 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.8 %</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of loans in repayment and forbearance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">0.9 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.3 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.8 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.2 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.2 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.7 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.1 %</span></td></tr></table></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">The period of delinquency is based on the number of days scheduled payments are contractually past due.</span></div><div style="padding-left:36pt;padding-right:18pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accrued Interest Receivable</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information regarding accrued interest receivable on our Private Education Loans. The table also discloses the amount of accrued interest on loans 90 days and greater past due as compared to our allowance for uncollectible interest on loans making full interest payments. The majority of the total accrued interest receivable represents accrued interest on deferred loans where no payments are due while the borrower is in school and fixed-pay loans where the borrower makes a $25 monthly payment that is smaller than the interest accruing on the loan in that month. The accrued interest on these loans will be capitalized to the balance of the loans when the borrower exits the grace period after separation from school. The allowance for this portion of interest is included in our loan loss reserve. The allowance for uncollectible interest exceeds the amount of accrued interest on our 90 days past due Private Education Loan portfolio for all periods presented.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.055%"><tr><td style="width:1.0%"/><td style="width:40.048%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.996%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.321%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.996%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.321%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.996%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.322%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Education Loans</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Accrued Interest Receivable</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Interest<br/>Receivable</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">90 Days and Greater <br/>Past Due</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for<br/>Uncollectible<br/>Interest</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2021</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,187,123&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,635&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,937&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,168,895&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,354&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,467&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -URI http://asc.fasb.org/topic&amp;trid=2196771<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Unfunded Loan Commitments<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditLossAbstract', window );"><strong>Credit Loss [Abstract]</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditLossFinancialInstrumentTextBlock', window );">Unfunded Loan Commitments</a></td>
<td class="text">Unfunded Loan Commitments<div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When we approve a Private Education Loan at the beginning of an academic year, that approval may cover the borrowing for the entire academic year. As such, we do not always disburse the full amount of the loan at the time of such approval, but instead have a commitment to fund a portion of the loan at a later date (usually at the start of the second semester or subsequent trimesters). We estimate expected credit losses over the contractual period in which we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by us. See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses, &#8212; Allowance for Credit Losses - 2021 and 2020, &#8212; Off-Balance Sheet Exposure for Contractual Loan Commitments - 2021 and 2020&#8221; for additional information. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December 31, 2021, we had $1.8&#160;billion of outstanding contractual loan commitments that we expect to fund during the remainder of the 2021/2022 academic year. The tables below summarize the activity in the allowance recorded to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheets, as well as the activity in the unfunded commitments balance. </span></div><div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:528.75pt"><tr><td style="width:1.0pt"/><td style="width:119.50pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:54.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:10.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:63.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:9.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:49.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:9.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:66.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:54.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:66.25pt"/><td style="width:1.0pt"/></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:24pt"><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unfunded Commitments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unfunded Commitments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unfunded Commitments</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Beginning Balance</span></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">110,044&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,673,018&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,481&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,910,603&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,165&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,010,744&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:23pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Day 1 adjustment for the adoption of CECL</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">115,758&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Balance at January 1</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">110,044&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,673,018&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">118,239&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,910,603&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,165&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,010,744&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:23pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Provision/New commitments - net</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">232,822&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,512,841&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">311,659&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,070,175&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,937&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,513,790&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other provision items</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31,502&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">954&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">596&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Transfer - funded loans</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(301,655)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,408,883)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(320,808)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,307,760)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,217)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,613,931)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ending Balance</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,713&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,776,976&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">110,044&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,673,018&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,481&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,910,603&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:42.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net of expirations of commitments unused.</span></div><div style="padding-left:42.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">When a loan commitment is funded, its related liability for credit losses (which originally was recorded as a provision for unfunded commitments) is transferred to the allowance for credit losses.</span></div><div style="padding-left:42.75pt;padding-right:63pt;text-indent:-15.75pt"><span><br/></span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The unfunded commitments disclosed above represent the total amount of outstanding unfunded commitments at each period end. However, historically not all of these commitments are funded prior to the expiration of the commitments. We estimate the amount of commitments expected to be funded in calculating the reserve for unfunded commitments. The amount we expect to fund and use in our calculation of the reserve for unfunded commitments will change period to period based upon the loan characteristics of the underlying commitments.</span></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for credit loss on financial instrument measured at amortized cost basis, net investment in lease, off-balance sheet credit exposure, and available-for-sale debt security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=124269663&amp;loc=SL82922895-210455<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 21<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919272-210447<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919236-210447<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919269-210447<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=124269663&amp;loc=SL82922888-210455<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919244-210447<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919230-210447<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327004872">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Premises and Equipment, Net<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock', window );">Premises and Equipment, net</a></td>
<td class="text">Premises and Equipment, net <div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;The following is a summary of our premises and equipment.</span></div><div><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:51.111%"><tr><td style="width:1.0%"/><td style="width:52.976%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.160%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.736%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.789%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.739%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Land and land improvements</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,356&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,356&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Buildings and leasehold improvements</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">122,300&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">120,971&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Furniture, fixtures, and equipment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,955&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,272&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Software</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">88,710&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,500&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premises and equipment, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">253,321&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">238,099&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accumulated depreciation</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(102,805)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(83,429)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Premises and equipment, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">150,516&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">154,670&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>&#160;&#160;&#160;&#160;Depreciation expense for premises and equipment was $16 million, $15 million, and $15 million for the years ended December 31, 2021, 2020, and 2019, respectively.<span></span>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326917528">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositLiabilitiesDisclosuresTextBlock', window );">Deposits</a></td>
<td class="text">Deposits<div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes total deposits at December 31, 2021 and 2020.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:57.638%"><tr><td style="width:1.0%"/><td style="width:59.863%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.004%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.213%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:1.004%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.216%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits - interest bearing</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,826,692&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,664,899&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits - non-interest bearing</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,432&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,140&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,828,124&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,666,039&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our total deposits of $20.8 billion were comprised of $10.1 billion in brokered deposits and $10.7 billion in retail and other deposits at December 31, 2021, compared with total deposits of $22.7 billion, which were comprised of $11.9 billion in brokered deposits and $10.8 billion in retail and other deposits, at December 31, 2020.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest bearing deposits as of December 31, 2021 and 2020 consisted of retail and brokered non-maturity savings deposits, retail and brokered non-maturity MMDAs and retail and brokered CDs. Interest bearing deposits include deposits from Educational 529 and Health Savings plans that diversify our funding sources and add deposits we consider to be core. These and other large omnibus accounts, aggregating the deposits of many individual depositors, represented $7.3&#160;billion of our deposit total as of December 31, 2021, compared with $7.1 billion at December 31, 2020.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Some of our deposit products are serviced by third-party providers. Placement fees associated with the brokered CDs are amortized into interest expense using the effective interest rate method. We recognized placement fee expense of $16 million, $19 million, and $18 million in the years ended December 31, 2021, 2020, and 2019, respectively. Fees paid to third-party brokers related to these CDs were $13 million, $5 million, and $28 million during the years ended December 31, 2021, 2020, and 2019, respectively. </span></div><div style="margin-top:9pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest bearing deposits at December 31, 2021 and 2020 are summarized as follows:</span></div><div style="margin-top:9pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.000%"><tr><td style="width:1.0%"/><td style="width:38.159%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.974%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.725%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.159%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.725%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.974%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.725%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.163%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year-End Weighted</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Stated Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year-End Weighted</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Stated Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Money market</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,473,569&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.69&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,159,657&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.83&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Savings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">959,122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.43&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">907,976&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.55&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,394,001&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.20&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,597,266&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.34&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deposits - interest bearing</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,826,692&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,664,899&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr></table></div><div style="margin-top:9pt;padding-left:20.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">  Includes the effect of interest rate swaps in effective hedge relationships. </span></div><div style="margin-top:9pt;text-indent:22.5pt"><span><br/></span></div><div style="margin-top:9pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certificates of deposit remaining maturities are summarized as follows:</span></div><div style="margin-top:9pt;text-align:center;text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.305%"><tr><td style="width:1.0%"/><td style="width:57.467%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.337%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.340%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">One year or less</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,407,370&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,728,556&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After one year to two years</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,297,955&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,363,022&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After two years to three years</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,299,461&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,603,229&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After three years to four years</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">299,737&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">553,911&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After four years to five years</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,042,065&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">300,346&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After five years</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,413&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48,202&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,394,001&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,597,266&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:9pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021 and 2020, there were $743 million and $571 million, respectively, of deposits exceeding FDIC insurance limits. Accrued interest on deposits was $35 million and $50 million at December 31, 2021 and 2020, respectively.</span></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116652737&amp;loc=d3e64164-112818<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (e)<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506335640264">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings<br></strong></div></th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="text">Borrowings <div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Outstanding borrowings consist of unsecured debt and secured borrowings issued through our term ABS program and our Secured Borrowing Facility. The issuing entities for those secured borrowings are VIEs and are consolidated for accounting purposes. The following table summarizes our secured borrowings at December 31, 2021 and 2020. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.583%"><tr><td style="width:1.0%"/><td style="width:26.946%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.472%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.060%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.206%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.060%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.206%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.506%"/><td style="width:0.1%"/></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unsecured borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unsecured debt (fixed-rate)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total unsecured borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Secured borrowings:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,897,996&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,897,996&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,261,233&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,261,233&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable-rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,046,856&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,046,856&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,235,105&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,235,105&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loan term securitizations</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,944,852&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,944,852&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total secured borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,944,852&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,944,852&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,930,990&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,930,990&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,189,217&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,189,217&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Short-term Borrowings</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On July 30, 2021, we amended our Secured Borrowing Facility to extend the maturity of the facility. The amount that can be borrowed under the facility is $2 billion. We hold 100 percent of the residual interest in the Secured Borrowing Facility trust.&#160;Under the Secured Borrowing Facility, we incur financing costs on unused borrowing capacity and on outstanding advances. The amended Secured Borrowing Facility extended the revolving period, during which we may borrow, repay, and reborrow funds, until May 17, 2022.&#160;The scheduled amortization period, during which amounts outstanding under the Secured Borrowing Facility must be repaid, ends on May 17, 2023 (or earlier, if certain material adverse events occur). At December 31, 2021, and December 31, 2020, there were no secured borrowings outstanding under the Secured Borrowing Facility. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Short-term borrowings have a remaining term to maturity of one year or less. The following table summarizes the outstanding short-term borrowings, the weighted average interest rates at the end of the period, and the related average balance and weighted average interest rates during the period. The Secured Borrowing Facility&#8217;s contractual maturity is two years from the date of inception or renewal (one-year revolving period plus a one-year amortization period); however, we classify advances under our Secured Borrowing Facility as short-term borrowings because it is our intention to repay those advances within one year. The 5.125 percent unsecured Senior Notes due April 5, 2022, which we redeemed in the fourth quarter of 2021, were classified as short-term borrowings in April of 2021, and are included in the table below. </span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.305%"><tr><td style="width:1.0%"/><td style="width:38.273%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.239%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended<br/>December 31, 2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Short-term borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unsecured Debt</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">122,396&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.78&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total short-term borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">122,396&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.78&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Maximum outstanding at any month end</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">199,651&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr></table></div><div style="margin-top:9pt;padding-left:27pt;padding-right:27pt;text-align:center;text-indent:-4.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:83.750%"><tr><td style="width:1.0%"/><td style="width:37.871%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.629%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.327%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.629%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.327%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.629%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.327%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.629%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.332%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended<br/>December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Short-term borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">45,820&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24.99&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Maximum outstanding at any month end</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">289,230&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="padding-left:54pt;padding-right:27pt;text-indent:-4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The interest for the non-use fees is calculated based on the Secured Borrowing Facility&#8217;s maximum borrowing limit, which was $2&#160;billion in both 2021 and 2020. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Long-term Borrowings</span></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Unsecured Debt</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 15, 2021, we redeemed our $200 million, 5.125 percent Senior Notes due April 5, 2022. The Senior Notes were redeemed at 101.39 percent of their principal amount, plus the accrued and unpaid interest thereon through the redemption date. As a result of the redemption, we recognized a $3&#160;million loss on the transaction. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On October 29, 2020, we issued at par an unsecured debt offering of $500&#160;million of 4.20 percent Senior Notes due October 29, 2025. At December 31, 2021, the outstanding balance was $495&#160;million.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 1, 2021, we issued an unsecured debt offering of $500&#160;million, 3.125 percent Senior Notes due November 2, 2026, at a price of 99.43 percent. At December 31, 2021, the outstanding balance was $491&#160;million.</span></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Secured Financings</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2021 Transactions</span></div><div style="margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On May 19, 2021, we executed our $531&#160;million SMB Private Education Loan Trust 2021-B term ABS transaction, which was accounted for as a secured financing. We sold $531&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $529&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.26 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 0.77 percent. At December 31, 2021, $496&#160;million of our Private Education Loans, including $467&#160;million of principal and $29&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On August 18, 2021, we executed our $527&#160;million SMB Private Education Loan Trust 2021-D term ABS transaction, which was accounted for as a secured financing. We sold $527&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $525&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.22 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 0.69 percent. At December 31, 2021, $515&#160;million of our Private Education Loans, including $485&#160;million of principal and $30&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-bottom:6pt;margin-top:8pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 9, 2021, we executed our $534&#160;million SMB Private Education Loan Trust 2021-E term ABS transaction, which was accounted for as a secured financing. We sold $534&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $532&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.15 years and priced at a weighted average </span></div><div style="margin-bottom:6pt;margin-top:8pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">LIBOR equivalent cost of 1-month LIBOR plus 0.69 percent. At December 31, 2021, $533&#160;million of our Private Education Loans, including $502&#160;million of principal and $31&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-bottom:6pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2020 Transactions</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 12, 2020, we executed our $636&#160;million SMB Private Education Loan Trust 2020-A term ABS transaction, which was accounted for as a secured financing. We sold $636&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $634&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.18 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 0.88 percent. At December 31, 2021, $496&#160;million of our Private Education Loans, including $469&#160;million of principal and $27&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On August 12, 2020, we executed our $707&#160;million SMB Private Education Loan Trust 2020-B term ABS transaction, which was accounted for as a secured financing. We sold $707&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $705&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.14 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 1.30 percent. At December 31, 2021, $615&#160;million of our Private Education Loans, including $581&#160;million of principal and $34&#160;million in capitalized interest, were encumbered because of this transaction.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Pre-2020 Transactions</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to 2020, we executed a total of $6.9 billion in ABS transactions that were accounted for as secured financings. At December 31, 2021, $3.6 billion of our Private Education Loans, including $3.5 billion of principal and $141 million in capitalized interest, were encumbered as a result of these transactions.  </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the outstanding long-term borrowings, the weighted average interest rates at the end of the period and the related average balance during the period. Rates reflect stated interest of borrowings and related discounts and premiums. The long-term borrowings amortize over time and mature serially from 2025 to 2053. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.638%"><tr><td style="width:1.0%"/><td style="width:25.365%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.592%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.468%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.592%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.676%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.592%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.468%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.468%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.592%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.676%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.592%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.476%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended<br/>December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended<br/>December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Balance</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Floating-rate borrowings</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,046,857&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.05&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,073,042&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,235,105&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.09&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,432,446&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,884,133&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,094,640&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,954,112&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.08&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,316,425&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total long-term borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,930,990&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.37&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,167,682&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,189,217&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.60&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,748,871&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, the stated maturity and maturity to call date of our brokered deposits and borrowings are summarized below. </span></div><div><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:13.483%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.205%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.883%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.066%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.205%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.767%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Stated Maturity</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Maturity to Call Date</span></td></tr><tr style="height:23pt"><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Brokered Deposits</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unsecured Debt</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Secured Borrowings</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Brokered Deposits</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unsecured Debt</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Secured Borrowings</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year of Maturity</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2022</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,918,335&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">718,153&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,636,488&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,918,335&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">718,153&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,636,488&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,033,829&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">698,078&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,731,907&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,033,829&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">698,078&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,731,907&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,236,522&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">687,600&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,924,122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,236,522&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">687,600&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,924,122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">270,174&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">500,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">648,315&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,418,489&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">270,174&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">500,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">648,315&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,418,489&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,033,313&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">500,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">618,380&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,151,693&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,033,313&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">500,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">618,380&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,151,693&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2027 and after</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,401&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,750,502&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,797,903&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,401&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,750,502&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,797,903&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,539,574&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,000,000&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,121,028&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,660,602&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,539,574&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,000,000&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,121,028&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,660,602&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Hedge accounting adjustments</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,426&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,426&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,426&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,426&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,573,000&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,000,000&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,121,028&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,694,028&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,573,000&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,000,000&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,121,028&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,694,028&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:9pt;padding-left:18pt;text-indent:-4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">We view our securitization trust debt as long-term based on the contractual maturity dates and projected principal paydowns based on our current estimates regarding loan prepayment speeds. The projected principal paydowns in year 2022 include $718 million related to the securitization trust debt.</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Secured Financings</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following summarizes our secured financings issued in 2020 and 2021:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.333%"><tr><td style="width:1.0%"/><td style="width:24.057%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.586%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.038%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.586%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.579%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.586%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:26.101%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.586%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.581%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Issue</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Date Issued</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Issued</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average </span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cost of Funds</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average Life<br/>(in years)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="9" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Private Education Loans:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2020-A</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">636,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus 0.88%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.18</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2020-B</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">August 2020</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">707,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus 1.30%</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.14</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total notes issued in 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,343,000&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="9" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loan and accrued interest amount securitized at inception in 2020</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,463,230&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2021-B</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">May 2021</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">531,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus 0.77%</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.26</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2021-D</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">August 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">527,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus 0.69%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.22</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2021-E</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">November 2021</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">534,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus 0.69%</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.15</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total notes issued in 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,592,000&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loan and accrued interest amount securitized at inception in 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,656,263&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">              </span></div><div style="margin-top:9pt;padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> Represents LIBOR equivalent cost of funds for floating and fixed-rate bonds, excluding issuance costs. </span></div><div style="margin-top:9pt;padding-left:45pt;padding-right:49.5pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> At December 31, 2021, $1.11&#160;billion of our Private Education Loans, including $1.05&#160;billion of principal and $62&#160;million in capitalized interest, were encumbered related to the 2020 transactions. </span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Consolidated Funding Vehicles </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We consolidate our financing entities that are VIEs as a result of our being the entities&#8217; primary beneficiary. As a result, these financing VIEs are accounted for as secured borrowings. </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.555%"><tr><td style="width:1.0%"/><td style="width:18.231%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.398%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.510%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.526%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.510%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.526%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.510%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.526%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.510%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.526%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.510%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.526%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.946%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.526%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.519%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Debt Outstanding</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Amount of Assets Securing Debt Outstanding</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Restricted Cash</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Assets</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,994,852&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,994,852&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,029,034&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">210,741&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">357,982&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,597,757&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">867&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">867&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,994,852&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,994,852&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,029,034&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">210,741&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">358,849&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,598,624&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.833%"><tr><td style="width:1.0%"/><td style="width:18.175%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.394%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.479%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.524%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.479%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.814%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.479%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.524%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.479%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.524%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.479%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.524%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.914%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.524%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.488%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Debt Outstanding</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Amount of Assets Securing Debt Outstanding</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Restricted Cash</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Assets</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,661,123&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">154,417&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">356,967&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,172,507&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">436&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">436&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,661,123&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">154,417&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">357,403&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,172,943&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:9pt;padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets primarily represent accrued interest receivable.</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Unconsolidated VIEs</span></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Private Education Loan Securitizations</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unconsolidated VIEs include variable interests that we hold in certain securitization trusts created by the sale of our Private Education Loans to unaffiliated third-parties in the first quarter of 2020 and the first six months of 2021. We remained the servicer of these loans pursuant to applicable servicing agreements executed in connection with the sales, and we are also the administrator of these trusts. Additionally, we own five percent of the securities issued by the trusts in order to meet risk retention requirements. We were not required to consolidate these entities because while as servicer we may have a significant impact on economic performance, the risk of absorbing losses that could be significant is low.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2021-A Transaction</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 9, 2021, we closed an SMB Private Education Loan Trust 2021-A term ABS transaction (the &#8220;2021-A Transaction&#8221;), in which the unaffiliated third-party sold to the trust approximately $2.5&#160;billion of Private Education Loans that the third-party seller previously purchased from us on January 8, 2021. In the 2021-A Transaction, we were the sponsor, servicer and administrator, and the seller of an additional $130&#160;million of Private Education Loans into the trust. The sale of such additional loans qualified for sale treatment and removed these loans from our balance sheet on the settlement date of the 2021-A Transaction and we recorded an $18&#160;million gain on sale associated with this transaction. In connection with the 2021-A Transaction settlement, we retained a five percent vertical risk retention interest (i.e., five percent of each class issued in the securitization). We classified those vertical risk retention interests related to the 2021-A Transaction as available-for-sale investments, except for the interest in the residual class, which we classified as a trading investment recorded at fair value with changes recorded through earnings.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">2021-C Transaction</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On May 27, 2021, we closed an SMB Private Education Loan Trust 2021-C term ABS transaction (the &#8220;2021-C Transaction&#8221;), in which the unaffiliated third-party sold to the trust approximately $505&#160;million of Private Education Loans that the third-party seller previously purchased from us on January 8, 2021. In the 2021-C Transaction, we were the sponsor, servicer and administrator, and the seller of an additional $27&#160;million of Private Education Loans into the trust. The sale of such additional loans qualified for sale treatment and removed these loans from our balance sheet on the settlement date of the 2021-C Transaction and we recorded an $4&#160;million gain on sale associated with this transaction. In connection with the 2021-C Transaction settlement, we retained a five percent vertical risk retention interest (i.e., five percent of each class issued in the securitization). We classified those vertical risk retention interests related to the 2021-C Transaction as available-for-sale investments, except for the interest in the residual class, which we classified as a trading investment recorded at fair value with changes recorded through earnings.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below provides a summary of our exposure related to our unconsolidated VIEs.</span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.166%"><tr><td style="width:1.0%"/><td style="width:23.487%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.120%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.616%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.780%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.461%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.285%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.966%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.035%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.626%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.285%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.626%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.298%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Debt Interests</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Equity Interests</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Exposure</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Debt Interests</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Equity Interests</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Exposure</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">192,245&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,465&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">229,710&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,908&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,923&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">85,831&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:6pt;padding-left:72pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1) Vertical risk retention interest classified as available-for-sale investment.</span></div><div style="padding-left:72pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2) Vertical risk retention interest classified as trading investment. </span></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other Borrowing Sources</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain discretionary uncommitted Federal Funds lines of credit with various correspondent banks, which totaled $125 million at December 31, 2021. The interest rate we are charged on these lines of credit is priced at Fed Funds plus a spread at the time of borrowing, and is payable daily. We did not utilize these lines of credit in the years ended December 31, 2021 and 2020.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We established an account at the FRB to meet eligibility requirements for access to the Primary Credit borrowing facility at the FRB&#8217;s Discount Window (the &#8220;Window&#8221;). The Primary Credit borrowing facility is a lending program available to depository institutions that are in generally sound financial condition. All borrowings at the Window must be fully collateralized. We can pledge asset-backed and mortgage-backed securities, as well as FFELP Loans and Private Education Loans, to the FRB as collateral for borrowings at the Window. Generally, collateral value is assigned based on the estimated fair value of the pledged assets. At December 31, 2021 and December 31, 2020, the value of our pledged collateral at the FRB totaled $3.3 billion and $3.8 billion, respectively. The interest rate charged to us is the discount rate set by the FRB. We did not utilize this facility in the years ended December 31, 2021 and 2020.</span></div><span></span>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326814872">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative Financial Instruments<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract', window );"><strong>Derivative Instruments and Hedging Activities Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock', window );">Derivative Financial Instruments</a></td>
<td class="text">Derivative Financial Instruments <div style="margin-top:5pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Risk Management Strategy</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain an overall interest rate risk management strategy that incorporates the use of derivative instruments to reduce the economic effect of interest rate changes. Our goal is to manage interest rate sensitivity by modifying the repricing frequency and underlying index characteristics of certain balance sheet assets or liabilities so any adverse impacts related to movements in interest rates are managed within low to moderate limits. As a result of interest rate fluctuations, hedged balance sheet positions will appreciate or depreciate in market value or create variability in cash flows. Income or loss on the derivative instruments linked to the hedged item will generally offset the effect of this unrealized appreciation or depreciation or volatility in cash flows for the period the item is being hedged. We view this strategy as a prudent management of interest rate risk.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Although we use derivatives to reduce the risk of interest rate changes, the use of derivatives does expose us to both market and credit risk. Market risk is the chance of financial loss resulting from changes in interest rates and market liquidity. Credit risk is the risk that a counterparty will not perform its obligations under a contract and it is limited to the loss of the fair value gain in a derivative that the counterparty owes us less collateral held and plus collateral posted. When the fair value of a derivative contract less collateral held and plus collateral posted is negative, we owe the counterparty and, therefore, we have no credit risk exposure to the counterparty; however, the counterparty has exposure to us. We minimize the credit risk in derivative instruments by entering into transactions with reputable counterparties that are reviewed regularly by our Credit Department. We also maintain a policy of requiring that all derivative contracts be governed by an International Swaps and Derivatives Association, Inc. Master Agreement. Depending on the nature of the derivative transaction, bilateral collateral arrangements are required as well. When we have more than one outstanding derivative transaction with the counterparty, and there exists legally enforceable netting provisions with the counterparty (i.e., a legal right to offset receivable and payable derivative contracts), the &#8220;net&#8221; mark-to-market exposure, less collateral held and plus collateral posted, represents exposure with the counterparty. We refer to this as the &#8220;net position.&#8221; When there is a net negative exposure, we consider our exposure to the counterparty and the net position to be zero. </span></div><div style="margin-top:6pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Title VII of the Dodd-Frank Act requires all standardized derivatives, including most interest rate swaps, to be submitted for clearing to central counterparties to reduce counterparty risk. Two of the central counterparties we use are the CME and the LCH. All variation margin payments on derivatives cleared through the CME and LCH are accounted for as legal settlement. As of December 31, 2021, $5.2 billion notional of our derivative contracts were cleared on the CME and $0.3 billion were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent 94.4 percent and 5.6 percent, respectively, of our total notional derivative contracts of $5.5 billion at December 31, 2021.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For derivatives cleared through the CME and LCH, the net gain (loss) position includes the variation margin amounts as settlement of the derivative and not collateral against the fair value of the derivative. The amount of variation margin included as settlement as of December 31, 2021 was $(72) million and $8 million for the CME and LCH, respectively. Changes in fair value for derivatives not designated as hedging instruments are presented as realized gains (losses). </span></div><div style="margin-top:6pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our exposure is limited to the value of the derivative contracts in a gain position less any collateral held and plus any collateral posted. When there is a net negative exposure, we consider our exposure to the counterparty to be zero. At December&#160;31, 2021 and 2020, we had a net positive exposure (derivative gain positions to us, less collateral held by us and plus collateral posted with counterparties) related to derivatives of $9 million and $43 million, respectively.</span></div><div style="margin-top:6pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Accounting for Derivative Instruments</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The accounting for derivative instruments requires that every derivative instrument, including certain derivative instruments embedded in other contracts, be recorded on the balance sheet as either an asset or liability measured at fair value. Our derivative instruments are classified and accounted for by us as fair value hedges, cash flow hedges, and trading hedges. </span></div><div style="margin-top:5pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fair Value Hedges</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We generally use fair value hedges to offset the exposure to changes in fair value of a recognized fixed-rate liability. We enter into interest rate swaps to economically convert fixed-rate liabilities into variable-rate liabilities. For fair value hedges, we generally consider all components of the derivative&#8217;s gain and/or loss when assessing hedge effectiveness and generally hedge changes in fair values due to interest rates. For fair value hedges, the entire change in the fair value of the hedging instrument included in the assessment of hedge effectiveness is recorded in the same line item in the consolidated statements of income that is used to present the earnings effect of the hedged component of the hedged item. </span></div><div style="margin-top:5pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash Flow Hedges</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use cash flow hedges to hedge the exposure to variability in cash flows of floating-rate liabilities. This strategy is used primarily to minimize the exposure to volatility in cash flows from future changes in interest rates. In assessing hedge effectiveness, generally all components of each derivative&#8217;s gains or losses are included in the assessment. We hedge exposure to changes in cash flows due to changes in interest rates or total changes in cash flow. For cash flow hedges, the entire change in the fair value of the hedging instrument included in the assessment of hedge effectiveness is recorded in other comprehensive income (loss). Those amounts are subsequently reclassified to earnings, in the same line item in the consolidated statements of income as impacted by the hedged item, when the hedged item affects earnings.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Amounts reported in accumulated other comprehensive income related to derivatives will be reclassified to interest expense as interest payments are made on our variable-rate deposits. During the next twelve months, we estimate that $13&#160;million will be reclassified as an increase to interest expense.</span></div><div style="margin-top:5pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Trading Activities</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When derivative instruments do not qualify for hedge accounting treatment, they are accounted for at fair value with all changes in fair value recorded through earnings. All of our derivative instruments entered into with maturities of less than three years are economically hedging risk, but do not receive hedge accounting treatment. Trading derivatives also include any hedges that originally received hedge accounting treatment, but lost hedge accounting treatment due to failed effectiveness testing, as well as the activity of certain derivatives&#160;prior to those derivatives receiving hedge accounting treatment.</span></div><div style="text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Summary of Derivative Financial Statement Impact</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables summarize the fair values and notional amounts of all derivative instruments at December&#160;31, 2021 and 2020, and their impact on earnings and other comprehensive income for the years ended December&#160;31, 2021, 2020, and 2019. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Impact of Derivatives on the Consolidated Balance Sheets</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.944%"><tr><td style="width:1.0%"/><td style="width:15.948%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.349%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.946%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.507%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Cash Flow Hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fair Value Hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Trading</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Values</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Hedged Risk Exposure</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:700;line-height:100%">Derivative Assets:</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.52pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest rate swaps</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">594&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">135&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,317&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,317&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:700;line-height:100%">Derivative Liabilities:</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.52pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest rate swaps </span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(231)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(21)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total net derivatives</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(231)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(21)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">594&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">135&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,070&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">442&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">    </span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt">Fair values reported include variation margin as legal settlement of the derivative contract. Assets and liabilities are presented without consideration of master netting agreements. Derivatives are carried on the balance sheet based on net position by counterparty under master netting agreements and classified in other assets or other liabilities depending on whether in a net positive or negative position.</span></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt">The following table reconciles gross positions with the impact of master netting agreements to the balance sheet classification:</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:69.305%"><tr><td style="width:1.0%"/><td style="width:36.374%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.531%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Other Assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Other Liabilities</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Gross position</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Impact of master netting agreement</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(176)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">176&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Derivative values with impact of master netting agreements (as carried on balance sheet)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,317&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">553&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(247)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Cash collateral pledged</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">9,655&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">42,874&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Net position</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">10,972&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">43,427&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(247)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">__________</span></div><div style="padding-left:49.5pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:0.45pt">Gross position amounts include accrued interest and variation margin as legal settlement of the derivative contract. </span></div><div style="padding-left:49.5pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:0.45pt">Cash collateral pledged excludes amounts that represent legal settlement of the derivative contracts. </span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.888%"><tr><td style="width:1.0%"/><td style="width:13.692%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.131%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.367%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.959%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.959%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.219%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.967%"/><td style="width:0.1%"/></tr><tr><td colspan="51" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional Values</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash Flow</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Trading</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,438,144&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,018,976&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,915,999&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,845,543&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">181,953&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,693,364&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,536,096&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,557,883&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,053,760&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,053,760&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net total notional</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,438,144&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,018,976&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,915,999&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,845,543&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,235,713&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,693,364&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,589,856&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,557,883&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021 and 2020, the following amounts were recorded on the consolidated balance sheet related to cumulative basis adjustments for fair value hedges:</span></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.666%"><tr><td style="width:1.0%"/><td style="width:38.211%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.705%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.849%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.705%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.849%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.973%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.849%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.705%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.854%"/><td style="width:0.1%"/></tr><tr style="height:45pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)<br/></span><span style="font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"><br/></span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Line Item in the Balance Sheet in Which the Hedged Item is Included:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Amount of the Hedged Assets/(Liabilities)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,963,268)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,992,867)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(50,784)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(154,235)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div><span><br/></span></div><div style="padding-left:72pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Impact of Derivatives on the Consolidated Statements of Income</span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:72.638%"><tr><td style="width:1.0%"/><td style="width:47.274%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.285%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.769%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.756%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.387%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.756%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.773%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Fair Value Hedges</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="21" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest rate swaps:</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest recognized on derivatives</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">85,850&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71,668&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,806)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Hedged items recorded in interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">103,450&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(91,087)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(77,350)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivatives recorded in interest expense</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(103,431)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">91,419&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">77,177&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">85,869&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,000&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,979)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Cash Flow Hedges</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest rate swaps:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Amount of gain (loss) reclassified from accumulated other comprehensive income into interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,852)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16,000)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,299&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,852)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16,000)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,299&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Trading</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest rate swaps:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in fair value of future interest payments recorded in earnings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(23,216)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,164&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,469&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(23,216)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,164&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,469&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41,801&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,164&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,789&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </span></div><div style="padding-left:36pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Impact of Derivatives on the Statements of Changes in Stockholders&#8217; Equity</span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.694%"><tr><td style="width:1.0%"/><td style="width:55.139%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.906%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.352%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.028%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.355%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Amount of gain (loss) recognized in other comprehensive income (loss)</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,259&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(52,511)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(36,115)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: Amount of gain (loss) reclassified in interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,852)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16,000)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,299&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total change in other comprehensive income (loss) for unrealized gains (losses) on derivatives, before income tax (expense) benefit</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48,111&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(36,511)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(38,414)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:18pt;padding-right:18pt;text-align:center"><span><br/></span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Cash Collateral</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021, cash collateral held and pledged excludes amounts that represent legal settlement of the derivative contracts held with the CME and LCH. There was no cash collateral held by us related to derivative exposure between us and our derivatives counterparties at December 31, 2021 and 2020, respectively. Collateral held is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheets. Cash collateral pledged related to derivative exposure between us and our derivatives counterparties was $10&#160;million and $43 million at December 31, 2021 and 2020, respectively. Collateral pledged is recorded in &#8220;Other interest-earning assets&#8221; on the consolidated balance sheets.</span></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -URI http://asc.fasb.org/topic&amp;trid=2229140<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 40<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=123477628&amp;loc=d3e90205-114008<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326823848">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stockholders' Equity<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityAbstract', window );"><strong>Equity [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityNoteDisclosureTextBlock', window );">Stockholders' Equity</a></td>
<td class="text">Stockholders&#8217; Equity<div style="margin-top:4.5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Preferred Stock </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2021, we had 2.5&#160;million shares of Floating-Rate Non-Cumulative Preferred Stock, Series B (the &#8220;Series B Preferred Stock&#8221;) outstanding. The Series B Preferred Stock does not have a maturity date, but can be redeemed at our option. Redemption would include any accrued and unpaid dividends for the then current quarterly dividend period, up to the redemption date. The shares have no preemptive or conversion rights and are not exchangeable for any of our other securities or property. Dividends are not mandatory and are paid quarterly, when, as, and if declared by the Board of Directors. Holders of Series B Preferred Stock are entitled to receive quarterly dividends based on 3-month LIBOR plus 170 basis points per annum in arrears. Upon liquidation or dissolution of the Company, holders of the Series B Preferred Stock are entitled to receive $100 per share, plus an amount equal to accrued and unpaid dividends for the then current quarterly dividend period, pro rata, and before any distribution of assets is made to holders of our common stock. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In October 2020, we initiated a cash tender offer to purchase up to 2,000,000 shares of our Series B Preferred Stock. On November 30, 2020, we accepted for purchase 1,489,304 shares of the Series B Preferred Stock at a purchase price of $45 per share plus an amount equal to accrued and unpaid dividends, for an aggregate purchase price of approximately $68&#160;million. </span></div><div style="margin-top:4.5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Common Stock </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our shareholders have authorized the issuance of 1.125 billion shares of common stock (par value of $0.20). At December&#160;31, 2021, 279&#160;million shares were issued and outstanding and 41&#160;million shares were unissued but encumbered for outstanding stock options, restricted stock, restricted stock units, performance stock units, and dividend equivalent units for employee compensation and remaining authority for stock-based compensation plans. </span></div><div style="margin-top:4.5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Common Stock Dividends</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the year ended December 31, 2021, we paid a total common stock dividend of $0.20 per common share. In both years ended December 31, 2020 and 2019, we paid a total common stock dividend of $0.12 per common share, respectively. Common stock dividend declarations are subject to determination by, and the discretion of, our Board of Directors. We may change our common stock dividend policy at any time. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are dependent on funds obtained from the Bank to fund dividend payments. Regulatory and other legal restrictions may limit our ability to transfer funds freely, either to or from our subsidiaries. In particular, the Bank is subject to laws and regulations that authorize regulatory bodies to block or reduce the flow of funds to us, or that prohibit such transfers altogether in certain circumstances. These laws, regulations, and rules may hinder our ability to access funds that we may need to make payments in respect of our stock or to satisfy our other responsibilities. The FDIC has the authority to prohibit or limit the payment of dividends by the Bank and SLM Corporation.</span></div><div style="margin-top:4.5pt;padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Share Repurchases</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The January 23, 2019 share repurchase program (the &#8220;2019 Share Repurchase Program&#8221;), which was effective upon announcement and expired on January 22, 2021, permitted us to repurchase from time to time shares of our common stock up to an aggregate repurchase price not to exceed $200 million. We have utilized all capacity under our 2019 Share Repurchase Program, having repurchased 17 million shares of common stock for $167 million in the year ended December&#160;31, 2019 and 3&#160;million shares of common stock for $33&#160;million in the year ended December 31, 2020. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 22, 2020, we announced another share repurchase program (the &#8220;2020 Share Repurchase Program&#8221;), which was effective upon announcement and expires on January 21, 2022, and permits us to repurchase shares of common stock from time to time up to an aggregate repurchase price not to exceed $600 million. </span></div><div style="margin-top:4pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Under the authority of the 2020 Share Repurchase Program, on March 10, 2020, we entered into an accelerated share repurchase agreement (&#8220;ASR&#8221;) with a third-party financial institution under which we paid $525&#160;million for an upfront delivery of our common stock and a forward agreement. On March 11, 2020, the third-party financial institution delivered to us approximately 45&#160;million shares. The final total actual number of shares of common stock delivered to us pursuant to the forward agreement was based generally upon a volume-weighted average price at which the shares of our common stock traded during the regular trading sessions on the NASDAQ Global Select Market during the term of the ASR. The transactions were accounted for as equity transactions and were included in treasury stock when the shares were received, at which time there was an immediate reduction in the weighted average common shares calculation for basic and diluted earnings per share. On January 26, 2021, we completed the ASR and upon final settlement on January 28, 2021, we received an additional 13&#160;million shares. In total, we repurchased 58&#160;million shares under the ASR at an average price per share of $9.01. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Under the 2020 Share Repurchase Program, we also repurchased an additional 4&#160;million shares of common stock for $75&#160;million in the three months ended March 31, 2021. We have now utilized all capacity under the 2020 Share Repurchase Program. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 27, 2021, we announced another share repurchase program (the &#8220;2021 Share Repurchase Program&#8221;), which was effective upon announcement and expires on January 26, 2023, and originally permitted us to repurchase shares of our common stock from time to time up to an aggregate repurchase price not to exceed $1.25&#160;billion.  </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On October 20 2021, we announced a $250&#160;million increase in the amount of common stock that may be repurchased under our 2021 Share Repurchase Program, which expires on January 26, 2023. This is in addition to the original $1.25&#160;billion of authorization announced on January 27, 2021, for a total 2021 Share Repurchase Program authorization of $1.5&#160;billion.  Of the total $1.5&#160;billion 2021 Share Repurchase Program authorization, we repurchased 81.1&#160;million shares of common stock for $1.46&#160;billion in the year ended December 31, 2021. (Those amounts include the shares repurchased under the Tender Offer described below.) There was $38&#160;million of capacity remaining under the 2021 Share Repurchase Program at December 31, 2021. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 26, 2022, we announced a new share repurchase program (the &#8220;2022 Share Repurchase Program&#8221;), which was effective upon announcement and expires on January 25, 2024, and permits us to repurchase shares of our common stock from time to time up to an aggregate repurchase price not to exceed $1.25&#160;billion.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">So long as there is unexpired capacity under a given repurchase program, repurchases under the programs may occur from time to time and through a variety of methods, including tender offers, open market repurchases, repurchases effected through Rule 10b5-1 trading plans, negotiated block purchases, accelerated share repurchase programs, or other similar transactions. The timing and volume of any repurchases under the 2021 Share Repurchase Program and the 2022 Share Repurchase Program will be subject to market conditions, and there can be no guarantee that the Company will repurchase up to the limit of the programs or at all.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%">Common Stock Tender Offer</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 2, 2021, we announced the commencement of a &#8220;modified Dutch Auction&#8221; tender offer (the &#8220;Tender Offer&#8221;) to purchase up to $1&#160;billion in aggregate purchase price of our outstanding shares of common stock, par value $0.20 per share. Pursuant to the Tender Offer, we repurchased 28.5&#160;million shares at a price of $16.50 per share. The purchase of shares settled on March 16, 2021, for an aggregate cost of approximately $472&#160;million, including fees and expenses related to the Tender Offer. We cancelled the 28.5&#160;million shares purchased in connection with the Tender Offer. This cancellation decreased the balances of common stock by $6&#160;million and of additional paid-in capital by $466&#160;million, respectively. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%">Share Repurchases under our Rule 10b5-1 Trading Plans</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:107%">During the year ended December 31, 2021, we repurchased 57&#160;million shares of our common stock at a total cost of $1.1&#160;billion under Rule 10b5-1 trading plans authorized under our share repurchase programs. </span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes our common share repurchases and issuances associated with these programs.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.166%"><tr><td style="width:1.0%"/><td style="width:54.514%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.707%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.378%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.707%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.080%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.937%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(shares and per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common stock repurchased under repurchase programs</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)(2)(3)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">98,748,905&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,736,847&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,962,199&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average purchase price per share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.37&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.66&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.86&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Shares repurchased related to employee stock-based compensation plans</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(5)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,368,942&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,197,843&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,369,630&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average purchase price per share</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.70&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.93&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.85&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common shares issued</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(6)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,786,581&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,129,325&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,743,705&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:1pt;padding-left:244.12pt;padding-right:244.12pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4pt;font-weight:400;line-height:120%">&#160;</span></div><div style="margin-top:4.5pt;padding-left:78.75pt;padding-right:36pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160; </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Common shares purchased under our share repurchase programs. 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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Earnings Per Common Share<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="text">Earnings per Common Share<div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Basic earnings per common share (&#8220;EPS&#8221;) are calculated using the weighted average number of shares of common stock outstanding during each period. A reconciliation of the numerators and denominators of the basic and diluted EPS calculations follows.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.472%"><tr><td style="width:1.0%"/><td style="width:64.677%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.584%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.732%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.584%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.732%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.584%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.107%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, (amounts in thousands, except per share data)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Numerator:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,160,513&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">880,690&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">578,276&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,736&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,734&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,837&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income attributable to SLM Corporation common stock</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,155,777&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">870,956&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">561,439&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Denominator:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Weighted average shares used to compute basic EPS</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">314,993&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">383,705&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">427,292&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Effect of dilutive securities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Dilutive effect of stock options, restricted stock, restricted stock units, performance stock units, and Employee Stock Purchase Plan (&#8220;ESPP&#8221;) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,919&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,490&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,382&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Weighted average shares used to compute diluted EPS</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">319,912&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">387,195&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">430,674&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Basic earnings per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.67&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.27&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.31&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Diluted earnings per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.61&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.25&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.30&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:1pt;padding-left:279pt;padding-right:279pt;text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="margin-top:1pt;padding-left:261pt;padding-right:261pt;text-align:center"><span><br/></span></div><div style="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Includes the potential dilutive effect of additional common shares that are issuable upon exercise of outstanding stock options, restricted stock, restricted stock units, performance stock units, and the outstanding commitment to issue shares under the ESPP, determined by the treasury stock method.</span></div><div style="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span>For the years ended December&#160;31, 2021, 2020, and 2019, securities covering 1 million shares, no shares and no shares, respectively, were outstanding but not included in the computation of diluted earnings per share because they were anti-dilutive.<span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation Plans and Arrangements<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>Share-based Payment Arrangement [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock', window );">Stock-Based Compensation Plans and Arrangements</a></td>
<td class="text">Stock-Based Compensation Plans and Arrangements <div style="margin-top:11pt"><span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Plan</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> Summaries </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, we had one active stock-based compensation plan that provides for grants of equity awards to our employees and non-employee directors.  </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The SLM Corporation 2021 Omnibus Incentive Plan was approved by shareholders on June&#160;8, 2021, and at December&#160;31, 2021, 21&#160;million shares were authorized to be issued from this plan.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also maintain an Employee Stock Purchase Plan (the &#8220;ESPP&#8221;). The number of shares authorized under the plan at December 31, 2021 was 14 million shares.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Shares issued under these stock-based compensation plans may be either shares reacquired by us or shares that are authorized but unissued.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Stock-Based Compensation</span></div><div><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The total stock-based compensation cost recognized in the consolidated statements of income for the years ended December&#160;31, 2021, 2020, and 2019 was $31 million, $36 million, and $31 million, respectively. As of December&#160;31, 2021, there was $18 million of total unrecognized compensation expense related to unvested restricted stock awards, restricted stock units, performance stock units, and ESPP awards, which is expected to be recognized over a weighted average period of 1.4 years. We amortize compensation expense on a straight-line basis over the related vesting periods of each tranche of each award.</span></div><div style="margin-top:11pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Stock Options</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There were no stock options granted in the years ended December 31, 2020 and 2019.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There were 998,891 time-vested options granted in the year ended December 31, 2021. The options were granted solely to members of senior management. The exercise price of the options is equal to 115 percent of the fair market value of a share of our common stock as of the grant date. The options will vest 100 percent on the third anniversary of the respective grant date and expire ten years after the respective grant date. The fair value of each stock option grant was estimated on the date of grant using the Monte Carlo simulation-pricing model. The expected volatility of our common stock at the date of grant is estimated based on a historic volatility rate and the expected option life is calculated based on historical stock option experience as the best estimate of future exercise patterns. The dividend yield assumption is based on historical and anticipated dividend payouts. The risk-free interest rate assumption is based on observed interest rates consistent with the expected life of each stock option grant. </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes stock option activity for the year ended December&#160;31, 2021.</span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">  </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.472%"><tr><td style="width:1.0%"/><td style="width:42.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.022%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.745%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.565%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.745%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.565%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.745%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.568%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands, shares and per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of<br/>Options</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted<br/>Average<br/>Exercise<br/>Price&#160;per<br/>Share</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted<br/>Average<br/>Remaining<br/>Contractual<br/>Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregate</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Intrinsic</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Value</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</span></div></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Outstanding at December&#160;31, 2020</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">241,675&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.24&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">998,891&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Exercised</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)(3)</span></div></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(236,275)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.24&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Canceled</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,400)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Outstanding at December&#160;31, 2021</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">998,891&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.65&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.0</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,018&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Exercisable at December&#160;31, 2021</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:9pt;padding-right:45pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">&#160;&#160;&#160;&#160;</span></div><div style="margin-top:9pt;padding-left:103.5pt;padding-right:49.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The aggregate intrinsic value represents the total intrinsic value (the aggregate difference between our closing stock price on December&#160;31, 2021 and the exercise price of in-the-money options) that would have been received by the option holders if all in-the-money options had been exercised on December&#160;31, 2021.</span></div><div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The total intrinsic value of options exercised was $2 million, $3 million, and $4 million for the years ended December&#160;31, 2021, 2020, and 2019, respectively.</span></div><div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">No cash was received from option exercises for the year ended December&#160;31, 2021. The actual tax benefit realized for the tax deductions from option exercises totaled less than $1 million for the year ended December&#160;31, 2021.</span></div><div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">For net-settled options, gross number is reflected.</span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;Restricted Stock </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Restricted stock awards generally vest over one year. Outstanding restricted stock is entitled to dividend equivalent units that vest subject to the same vesting requirements or lapse of transfer restrictions, as applicable, as the underlying restricted stock award. The fair value of restricted stock awards is based on our stock price at the grant date.</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes restricted stock activity for the year ended December&#160;31, 2021. </span></div><div style="text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.194%"><tr><td style="width:1.0%"/><td style="width:56.179%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.663%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.665%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Shares and per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number&#160;of<br/>Shares</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted<br/>Average&#160;Grant<br/>Date<br/>Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-vested at December 31, 2020</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">143,033&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.69&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,098&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.33&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Vested</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(143,033)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.69&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Canceled</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,918)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.33&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-vested at December 31, 2021</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49,180&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.33&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:9pt;padding-left:139.5pt;padding-right:81pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The total fair value of shares that vested during the years ended December&#160;31, 2021, 2020, and 2019 was $1 million, $1 million, and $1 million, respectively.</span></div><div style="margin-top:9pt;padding-left:139.5pt;padding-right:81pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">As of December&#160;31, 2021, there was $0.4 million of unrecognized compensation cost related to restricted stock, which is expected to be recognized over a weighted average period of 0.4 years.</span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Restricted Stock Units and Performance Stock Units </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Restricted stock units (&#8220;RSUs&#8221;) and performance stock units (&#8220;PSUs&#8221;) are equity awards granted to employees that entitle the holder to shares of our common stock when the award vests. RSUs may be time-vested over three years or vested at grant but subject to transfer restrictions, while PSUs vest based on corporate performance targets at the end of a three-year period. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Outstanding RSUs and PSUs are entitled to dividend equivalent units that vest subject to the same vesting requirements or lapse of transfer restrictions, as applicable, as the underlying award. The fair value of RSUs is based on our stock price at the grant date.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes RSU and PSU activity for the year ended December&#160;31, 2021. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.888%"><tr><td style="width:1.0%"/><td style="width:56.683%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.418%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.979%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.420%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Shares and per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of<br/>RSUs/<br/>PSUs</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted<br/>Average&#160;Grant<br/>Date<br/>Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Outstanding at December&#160;31, 2020</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,721,505&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.41&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,673,427&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.51&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Vested and converted to common stock</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,944,877)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.64&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Canceled</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(141,559)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.85&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Outstanding at December&#160;31, 2021</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,308,496&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.83&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">                                                                               </span></div><div style="margin-top:9pt;padding-left:139.5pt;padding-right:103.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The total fair value of RSUs/PSUs that vested and converted to common stock during the years ended December&#160;31, 2021, 2020, and 2019 was $31 million, $26 million, and $27 million, respectively.</span></div><div style="margin-top:9pt;padding-left:139.5pt;padding-right:103.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">As of December&#160;31, 2021, there was $15 million of unrecognized compensation cost related to RSUs/PSUs, which is expected to be recognized over a weighted average period of 1.4 years.</span></div><div style="margin-top:9pt;padding-right:81pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;Employee Stock Purchase Plan</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Employees may purchase shares of our common stock at the end of a 12-month offering period at a price equal to the share price at the beginning of the 12-month period, less 15 percent, up to a maximum purchase price of $7,500 (whole dollars).  The purchase price for each offering is determined at the beginning of the offering period on August 1.</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of the stock purchase rights of the ESPP offerings were calculated using a Black-Scholes option pricing model with the following weighted average assumptions:</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.833%"><tr><td style="width:1.0%"/><td style="width:49.266%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.834%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.715%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.834%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.715%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.836%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, (per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Risk-free interest rate</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.07&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.12&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.87&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Expected volatility</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Expected dividend rate</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.66&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.76&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.34&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Expected life of the option</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1 year</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1 year</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1 year</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Weighted average fair value of stock purchase rights</span></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.93&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.74&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.77&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The expected volatility is based on implied volatility from publicly-traded options on our stock at the grant date and historical volatility of our stock consistent with the expected life. The risk-free interest rate is based on the zero-coupon  U.S. Treasury STRIPS rate at the grant date consistent with the expected life. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values were amortized to compensation cost on a straight-line basis over a one-year vesting period. As of December&#160;31, 2021, there was less than $1 million of unrecognized compensation cost related to the ESPP, which is expected to be recognized by July 2022.</span></div>During the year ended December 31, 2021, plan participants purchased approximately 496,000 shares of our common stock. No shares were purchased for the years ended December 31, 2020 and 2019, as our stock price on both July 31, 2020 and 2019 was less than the offering price for the ESPP plan.<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -URI http://asc.fasb.org/topic&amp;trid=2228938<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Measurements<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresTextBlock', window );">Fair Value Measurements</a></td>
<td class="text">Fair Value Measurements <div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use estimates of fair value in applying various accounting standards for the consolidated financial statements.  </span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We categorize our fair value estimates based on a hierarchal framework associated with three levels of price transparency utilized in measuring financial instruments at fair value. For additional information regarding our policies for determining fair value and the hierarchical framework, see Note 2, &#8220;Significant Accounting Policies &#8212; Fair Value Measurement.&#8221; </span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the valuation of our financial instruments that are marked-to-fair value on a recurring basis.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.111%"><tr><td style="width:1.0%"/><td style="width:19.853%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.269%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.316%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.269%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.304%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.269%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.304%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.269%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.471%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="45" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair&#160;Value&#160;Measurements&#160;on&#160;a&#160;Recurring Basis</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level&#160;1&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level&#160;2&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level&#160;3&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level&#160;1&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level&#160;2&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level&#160;3&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total&#160;</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Assets:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Trading investments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,465&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,465&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,923&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,923&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Available-for-sale investments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,517,956&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,517,956&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,996,634&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,996,634&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivative instruments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,519,278&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,465&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,556,743&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,997,363&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,923&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,014,286&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivative instruments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the fair values of our financial assets and liabilities, including derivative financial instruments.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.694%"><tr><td style="width:1.0%"/><td style="width:27.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.785%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.930%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.075%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.365%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.365%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.503%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr style="height:23pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair<br/>Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying<br/>Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Difference</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair<br/>Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying<br/>Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Difference</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Earning assets:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans held for investment, net:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,919,836&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,625,374&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,294,462&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,124,171&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,436,968&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,687,203&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">705,644&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,954&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,690&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">748,657&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">735,208&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,449&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,037&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,955&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,082&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,249&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,967&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,282&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans held for sale</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,226,029&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,885,640&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">340,389&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,334,603&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,334,603&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,455,292&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,455,292&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Trading investments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,465&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,465&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,923&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,923&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Available-for-sale investments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,517,956&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,517,956&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,996,634&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,996,634&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accrued interest receivable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,306,410&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,205,667&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100,743&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,527,816&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,387,305&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">140,511&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax indemnification receivable</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,047&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,047&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,492&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,492&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivative instruments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total earning assets</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31,856,320&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,446,343&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,409,977&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34,126,992&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,944,158&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,182,834&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Interest-bearing liabilities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Money-market and savings accounts</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,457,490&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,432,691&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(24,799)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,136,560&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,067,633&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(68,927)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,451,528&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,394,001&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(57,527)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,799,223&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,597,266&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(201,957)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Short-term borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,000,174&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,930,990&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(69,184)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,398,309&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,189,217&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(209,092)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accrued interest payable</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">46,600&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">46,600&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60,272&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60,272&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivative instruments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">252&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">252&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">287&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">287&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total interest-bearing liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,956,044&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,804,534&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(151,510)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,394,651&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,914,675&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(479,976)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Excess of net asset fair value over carrying value</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,258,467&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,702,858&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span><br/></span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The methods and assumptions used to estimate the fair value of each class of financial instruments are as follows:</span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash and Cash Equivalents</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash and cash equivalents are carried at cost. Carrying value approximated fair value for disclosure purposes. These are level 1 valuations.</span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Investments </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Trading </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investments classified as trading are carried at fair value in the consolidated financial statements. As such, these are level 3 valuations.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Available-for-Sale</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investments classified as available-for-sale are carried at fair value in the consolidated financial statements.  Investments in mortgage-backed securities, U.S. government-sponsored enterprises and Treasury securities, and Utah Housing Corporation bonds are valued using observable market prices of similar assets. As such, these are level 2 valuations. </span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Held For Investment and Accrued Interest Receivable </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Private Education Loans</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For Private Education Loans, fair value was determined by using observable quoted prices for similar assets in our most recent market transactions. Adjustments were then made to account for the value of loans in our portfolio that have materially different characteristics than those included in the most recent market transaction.&#160;These are considered level 2 valuations. A portion of the fair value that has been modeled is attributable to accrued interest receivable that has not yet been capitalized, and has been allocated to the accrued interest receivable line item. The remaining accrued interest receivable that will not be capitalized into the principal balance of the loan is carried at cost.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">FFELP Loans and Credit Cards</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For FFELP Loans and Credit Cards, the fair value was determined by modeling expected loan level cash flows using stated terms of the assets and internally developed assumptions to determine aggregate portfolio yield, net present value, and average life. The significant assumptions used to determine fair value are prepayment speeds, default rates, cost of funds, and required return on equity. Significant inputs into the model are not observable. However, we do calibrate the model based on market transactions when appropriate.&#160; As such, these are level 3 valuations.&#160; </span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Held For Sale </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our loans held for sale are accounted for at the lower of cost or market. The fair value was determined by using observable quoted prices for similar assets in our most recent market transactions. These are considered level 2 valuations.</span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Tax Indemnification Receivable</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax indemnification receivable is carried at cost. The carrying value approximates fair value. This is a level 2 valuation.</span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Money Market and Savings Accounts</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Some of our MMDAs are fixed-rate deposits that are subject to minimum balances for a specified period of time. The fair values of these deposits are estimated using discounted cash flows based on rates currently offered for deposits of similar maturities. These are level 2 valuations. The fair values of our remaining money market and savings accounts equal the amounts payable on demand at the balance sheet date and are reported at their carrying value. These are level 1 valuations.</span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Certificates of Deposit</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of CDs are estimated using discounted cash flows based on rates currently offered for deposits of similar remaining maturities. These are level 2 valuations.</span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accrued Interest Payable</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Accrued interest payable is carried at cost. The carrying value approximates fair value due to its short-term nature. This is a level 1 valuation.</span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Borrowings</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Borrowings are accounted for at cost in the consolidated financial statements. The carrying value of short-term borrowings approximated fair value for disclosure purposes, due to the short-term nature of those borrowings. This is a level 1 valuation.  The fair value of long-term borrowings is estimated using current market prices. This is a level 2 valuation. </span></div><div style="margin-top:9pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivatives</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All derivatives are accounted for at fair value in the consolidated financial statements. The fair value of derivative financial instruments was determined by a standard derivative pricing and option model using the stated terms of the contracts and observable market inputs. It is our policy to compare the derivative fair values to those received from our counterparties in order to evaluate the model&#8217;s outputs.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When determining the fair value of derivatives, we take into account counterparty credit risk for positions where we are exposed to the counterparty on a net basis by assessing exposure net of collateral held. When the counterparty has exposure to us under derivative contracts with the Company, we fully collateralize the exposure (subject to certain thresholds).</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest rate swaps are valued using a standard derivative cash flow model with a LIBOR swap yield curve, which is an observable input from an active market. These derivatives are level 2 fair value estimates in the hierarchy.</span></div>The carrying value of borrowings designated as the hedged item in a fair value hedge is adjusted for changes in fair value due to changes in the benchmark interest rate (one-month LIBOR). These valuations are determined through standard pricing models using the stated terms of the borrowings and observable yield curves.<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.</p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327004872">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Arrangements with Navient Corporation<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsAbstract', window );"><strong>Related Party Transactions [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsDisclosureTextBlock', window );">Arrangements with Navient Corporation</a></td>
<td class="text">Arrangements with Navient Corporation <div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the Spin-Off, we entered into a Separation and Distribution Agreement with Navient (the &#8220;Separation and Distribution Agreement&#8221;). We also entered into various other ancillary agreements with Navient to effect the Spin-Off and provide a framework for our relationship with Navient thereafter, such as a transition services agreement, a tax sharing agreement, an employee matters agreement, a loan servicing and administration agreement, a joint marketing agreement, a key services agreement, a data sharing agreement, and a master sublease agreement. The majority of these agreements were transitional in nature with most having terms that have expired or will expire within the next year.  </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We continue to have exposure to risks related to Navient&#8217;s creditworthiness. If we are unable to obtain indemnification payments from Navient, our results of operations and financial condition could be materially and adversely affected. </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Spin-Off and applicable law, Navient is responsible for all liabilities (whether accrued, contingent, or otherwise and whether known or unknown) arising out of or resulting from the conduct of pre-Spin-Off SLM and its subsidiaries&#8217; businesses prior to the Spin-Off, other than certain specifically identified liabilities relating to the conduct of our consumer banking business for which the Bank is responsible. Nonetheless, given the prior usage of the Sallie Mae and SLM names by entities now owned by Navient, we and our subsidiaries may from time to time be improperly named as defendants in legal proceedings where the allegations at issue are the legal responsibility of Navient. Most of these legal proceedings involve matters that arose in whole or in part in the ordinary course of business of pre-Spin-Off SLM. Likewise, as the period of time since the Spin-Off increases, so does the likelihood any allegations that may be made may be in part for our own actions in a post-Spin-Off time period and in part for Navient&#8217;s conduct in a pre-Spin-Off time period. We will not be providing information on these proceedings unless there are material issues of fact or disagreement with Navient as to the bases of the proceedings or responsibility therefor that we believe could have a material, adverse impact on our business, assets, financial condition, liquidity, or outlook if not resolved in our favor. </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We briefly summarize below some of the most significant agreements and relationships we continue to have with Navient. For additional information regarding the Separation and Distribution Agreement and the other ancillary agreements, see our Current Report on Form 8-K filed on May 2, 2014.</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Separation and Distribution Agreement</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Separation and Distribution Agreement addresses, among other things, the following activities:</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the obligation of each party to indemnify the other against liabilities retained or assumed by that party pursuant to the Separation and Distribution Agreement and in connection with claims of third-parties; </span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the allocation among the parties of rights and obligations under insurance policies; and</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the creation of a governance structure by which matters related to the separation and other transactions contemplated by the Separation and Distribution Agreement are to be managed.</span></div><div><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Separation and Distribution Agreement provides specific processes and procedures pursuant to which we may submit claims for indemnification to Navient. If for any reason Navient is unable or unwilling to pay claims made against it, our costs, operating expenses, cash flows, and financial condition could be materially and adversely affected over time.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Indemnification Obligations</span></div><div><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Separation and Distribution Agreement, and as contemplated by the structure of the Spin-Off, Navient is legally obligated to indemnify the Bank against all claims, actions, damages, losses, or expenses that may arise from the conduct of all activities of pre-Spin-Off SLM occurring prior to the Spin-Off, except for certain liabilities related to the conduct of the pre-Spin-Off consumer banking business that were specifically assumed by the Bank (and as to which the Bank is obligated to indemnify Navient). Some significant examples of the types of indemnification obligations Navient has under the Separation and Distribution Agreement and related ancillary agreements include:</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Navient is required to indemnify the Company and the Bank for any liabilities, costs, or expenses they may incur arising from any action or threatened action related to the servicing, operations, and collections activities of pre-Spin-Off SLM and its subsidiaries with respect to Private Education Loans and FFELP Loans that were assets of the Bank or Navient at the time of the Spin-Off; provided that written notice was provided to Navient on or prior to April 30, 2017, the third anniversary date of the Spin-Off. Navient is not required to indemnify for changes in law or changes in prior existing interpretations of law that occur on or after April 30, 2014. </span></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In connection with the Spin-Off, we recorded a liability related to uncertain tax positions of $27 million for which we are indemnified by Navient. As of December 31, 2021, the remaining balance of the indemnification receivable related to those uncertain tax positions was $5 million. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Long-Term Arrangements</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The loan servicing and administration agreement governs the terms by which Navient provides servicing, administration, and collection services for the Bank&#8217;s portfolio of FFELP Loans, as well as servicing history information with respect to Private Education Loans previously serviced by Navient and access to certain promissory notes in Navient&#8217;s possession. The term of the loan servicing and administration agreement has been extended to April 30, 2022.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The data sharing agreement provided us the right to obtain from Navient certain post-Spin-Off performance data relating to Private Education Loans owned or serviced by Navient to support and facilitate ongoing underwriting, originations, forecasting, performance, and reserve analyses. The term of the data sharing agreement expired on April 29, 2019, however.</span></div>The tax sharing agreement governs the respective rights, responsibilities, and obligations of us and Navient after the Spin-Off relating to taxes, including with respect to the payment of taxes, the preparation and filing of tax returns, and the conduct of tax contests. Under this agreement, each party is generally liable for taxes attributable to its business. The agreement also addresses the allocation of tax liabilities that are incurred as a result of the Spin-Off and related transactions.<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for related party transactions. Examples of related party transactions include transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners; and (d) affiliates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 850<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 850<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 850<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 850<br> -URI http://asc.fasb.org/topic&amp;trid=2122745<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 850<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39691-107864<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326859240">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Regulatory Capital<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract', window );"><strong>Regulatory Assets and Liabilities Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Regulatory Capital</a></td>
<td class="text">Regulatory Capital <div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is subject to various regulatory capital requirements administered by the FDIC and the UDFI. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material adverse effect on our business, results of operations, and financial position. Under the FDIC&#8217;s regulations implementing the Basel III capital framework (&#8220;U.S. Basel III&#8221;) and the regulatory framework for prompt corrective action, the Bank must meet specific capital standards that involve quantitative measures of its assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank&#8217;s capital amounts and its classification under the prompt corrective action framework are also subject to qualitative judgments by the regulators about components of capital, risk weightings, and other factors.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">The Bank is subject to the following minimum capital ratios under U.S. Basel III: a Common Equity Tier 1 risk-based capital ratio of 4.5 percent, a Tier 1 risk-based capital ratio of 6.0 percent, a Total risk-based capital ratio of 8.0 percent, and a Tier 1 leverage ratio of 4.0 percent. In addition, the Bank is subject to a Common Equity Tier 1 capital conservation buffer of greater than 2.5 percent. Failure to maintain the buffer will result in restrictions on the Bank&#8217;s ability to make capital distributions, including the payment of dividends, and to pay discretionary bonuses to executive officers. Including the buffer, the Bank is required to maintain the following capital ratios under U.S. Basel III in order to avoid such restrictions: a Common Equity Tier 1 risk-based capital ratio of greater than 7.0 percent, a Tier 1 risk-based capital ratio of greater than 8.5 percent, and a Total risk-based capital ratio of greater than 10.5 percent.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To qualify as &#8220;well capitalized&#8221; under the prompt corrective action framework for insured depository institutions, the Bank must maintain a Common Equity Tier 1 risk-based capital ratio of at least 6.5 percent, a Tier 1 risk-based capital ratio of at least 8.0 percent, a Total risk-based capital ratio of at least 10.0 percent, and a Tier 1 leverage ratio of at least 5.0 percent.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopt</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">CECL during the 2020 calendar year, including the Bank, may elect to delay for two years, and then phase in over the following three years, the effects on regulatory capital of CECL relative to the incurred loss methodology. The Bank has elected to use this option. Therefore, the regulatory capital impact of the Bank&#8217;s transition adjustments recorded on January 1, 2020 from the adoption of CECL, and 25 percent of the ongoing impact of CECL on the Bank&#8217;s allowance for credit losses, retained earnings, and average total consolidated assets, each as reported for regulatory capital purposes (collectively, the &#8220;adjusted transition amounts&#8221;), were deferred for the two-year period ending January 1, 2022. From January 1, 2022 to January 1, 2025, the adjusted transition amounts will be phased in for regulatory capital purposes at a rate of 25 percent per year, with the phased-in amounts included in regulatory capital at the beginning of each year. The Bank&#8217;s January 1, 2020 CECL transition amounts increased our allowance for credit losses by $1.1&#160;billion, increased the liability representing our off-balance sheet exposure for unfunded commitments by $116&#160;million, and increased our deferred tax asset by $306&#160;million, resulting in a cumulative effect adjustment that reduced retained earnings by $953&#160;million. This transition adjustment was inclusive of qualitative adjustments incorporated into our CECL allowance as necessary, to address any limitations in the models used. </span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following capital amounts and ratios are based upon the Bank&#8217;s average assets and risk-weighted assets, as indicated. </span></div><div style="text-align:center;text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.055%"><tr><td style="width:1.0%"/><td style="width:46.849%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.588%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.149%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.101%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.843%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.991%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.054%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.525%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Actual</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">U.S. Basel III</span></div><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Minimum Requirements Plus Buffer</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)(2)</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ratio</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ratio</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2021:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,314,657&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,643,132&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,314,657&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.1&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,995,232&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,410,183&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,464,699&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,314,657&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.1&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,198,808&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2020:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,579,005&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,794,780&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,579,005&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,179,375&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,849,820&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,692,169&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,579,005&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,264,424&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="margin-top:3pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">         &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div><div style="margin-top:3pt;padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)&#160;&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reflects the U.S. Basel III minimum required ratio plus the applicable capital conservation buffer. </span></div><div style="padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Bank&#8217;s regulatory capital ratios also exceeded all applicable standards for the Bank to qualify as &#8220;well capitalized&#8221; under the prompt corrective action framework.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">&#160;</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Bank Dividends</span></div>The Bank is chartered under the laws of the State of Utah and its deposits are insured by the FDIC. The Bank&#8217;s ability to pay dividends is subject to the laws of Utah and the regulations of the FDIC. Generally, under Utah&#8217;s industrial bank laws and regulations as well as FDIC regulations, the Bank may pay dividends from its net profits without regulatory approval if, following the payment of the dividend, the Bank&#8217;s capital and surplus would not be impaired. The Bank declared $1.4&#160;billion, $579 million, and $254&#160;million in dividends to the Company for the years ended December 31, 2021, 2020, and 2019, respectively, with the proceeds primarily used to fund the 2021, 2020, and 2019 Share Repurchase Programs and stock dividends. In the future, we expect that the Bank will pay dividends to the Company as may be necessary to enable the Company to pay any declared dividends on its Series B Preferred Stock and common stock and to consummate any common share repurchases by the Company under its repurchase programs.<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1F<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958575-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1A<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958569-112826<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1D<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958573-112826<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Defined Contribution Plans<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="text">Defined Contribution Plans We participate in a defined contribution plan which is intended to qualify under section 401(k) of the Internal Revenue Code. The Sallie Mae 401(k) Savings Plan covers substantially all employees. After six months of service, we match 100 percent of the first five percent of contributions for eligible employees. For the years ended December 31, 2021, 2020, and 2019, we contributed $7 million, $8 million, and $7 million, respectively, to this plan.<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for an entity's employee compensation and benefit plans, including, but not limited to, postemployment and postretirement benefit plans, defined benefit pension plans, defined contribution plans, non-qualified and supplemental benefit plans, deferred compensation, share-based compensation, life insurance, severance, health care, unemployment and other benefit plans.</p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506335610904">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commitments, Contingencies and Guarantees<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments and Contingencies Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock', window );">Commitments, Contingencies and Guarantees</a></td>
<td class="text">Commitments, Contingencies and Guarantees <div style="margin-top:14pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Commitments</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When we approve a Private Education Loan at the beginning of an academic year, that approval may cover the borrowing for the entire academic year. As such, we do not always disburse the full amount of the loan at the time of such approval, but instead have a commitment to fund a portion of the loan at a later date (usually at the start of the second semester or subsequent trimesters). At December 31, 2021, we had $1.8 billion of outstanding contractual loan commitments which we expect to fund during the remainder of the 2021/2022 academic year. At December 31, 2021, we had a $73 million reserve recorded in &#8220;Other Liabilities&#8221; to cover expected losses that may occur during the one-year loss emergence period on these unfunded commitments. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Regulatory Matters </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In May 2014, the Bank received a Civil Investigative Demand (&#8220;CID&#8221;) from the CFPB as part of the CFPB&#8217;s separate investigation relating to customer complaints, fees, and charges assessed in connection with the servicing of student loans and related collection practices of pre-Spin-Off SLM by entities now subsidiaries of Navient during a time period prior to the Spin-Off (the &#8220;CFPB Investigation&#8221;). Two state attorneys general also provided the Bank identical CIDs and other state attorneys general have become involved in the inquiry over time (collectively, the &#8220;Multi-State Investigation&#8221;). To the extent requested, the Bank has been cooperating fully with the CFPB and the attorneys general conducting the Multi-State Investigation. Given the timeframe covered by the CIDs, the CFPB Investigation and the Multi-State Investigation, and the focus on practices and procedures previously conducted by Navient and its servicing subsidiaries prior to the Spin-Off, Navient is leading the response to these investigations. Consequently, we have no basis from which to estimate either the duration or ultimate outcome of these investigations.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With regard to the CFPB Investigation, we note that on January 18, 2017, the CFPB filed a complaint in federal court in Pennsylvania against Navient, along with its subsidiaries, Navient Solutions, Inc. and Pioneer Credit Recovery, Inc. The complaint alleges these Navient entities, among other things, engaged in deceptive practices with respect to their historic servicing and debt collection practices. Neither SLM, the Bank, nor any of their current subsidiaries are named in, or otherwise a party to, the lawsuit and are not alleged to have engaged in any wrongdoing. The CFPB&#8217;s complaint asserts Navient&#8217;s assumption of these liabilities pursuant to the Separation and Distribution Agreement.</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 18, 2017, the Illinois Attorney General filed a lawsuit in Illinois state court against Navient - its subsidiaries Navient Solutions, Inc., Pioneer Credit Recovery, Inc., and General Revenue Corporation - and the Bank arising out of the Multi-State Investigation. On March 20, 2017, the Bank moved to dismiss the Illinois Attorney General action as to the Bank, arguing, among other things, the complaint failed to allege with sufficient particularity or specificity how the Bank was responsible for any of the alleged conduct, most of which predated the Bank&#8217;s existence. On July 10, 2018, the Court granted the Bank&#8217;s motion to dismiss without prejudice. On August 7, 2018, the Illinois Attorney General filed a First Amended Complaint and, on October 9, 2018, the Bank again moved to dismiss the action based on grounds similar to those raised in its March 20, 2017 motion. The Illinois Attorney General filed its response on November 21, 2018, and the Bank filed its reply on December 10, 2018. Oral argument on the motion took place on January 9, 2019. The Court took the motion under advisement, and a hearing took place on December 7, 2021. On December 16, 2021, the Court entered an Order granting the Bank&#8217;s Motion to Dismiss the First Amended Complaint, thereby dismissing the Bank from the action with prejudice.</span></div><div style="margin-top:10pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 13, 2022, Navient announced agreements with a total of forty state attorneys general to resolve their previously disclosed multistate litigation and investigation matters, including but not limited to four lawsuits (brought by the attorneys general for the states of California, Washington, Pennsylvania, and New Jersey) arising out of the Multi-State Investigation. Neither SLM, the Bank, nor any of their current subsidiaries are named in, or otherwise a party to, the </span></div><div style="margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">California, Washington, Pennsylvania, or New Jersey lawsuits, and no claims are asserted against them. The Company and the Bank are not parties to the Navient settlement and are not contributing any of the relief sought in the settlement. Further, the consent judgments between Navient and the various states contain releases of claims as to pre-Spin-Off SLM (including the Bank and other consolidated subsidiaries) for conduct occurring on or before the date of the Spin-Off.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Separation and Distribution Agreement, and as contemplated by the structure of the Spin-Off, Navient is legally obligated to indemnify the Bank against all claims, actions, damages, losses, or expenses that may arise from the conduct of all activities of pre-Spin-Off SLM occurring prior to the Spin-Off, except for certain liabilities related to the conduct of the pre-Spin-Off consumer banking business that were specifically assumed by the Bank (and as to which the Bank is obligated to indemnify Navient). Navient has acknowledged its indemnification obligations under the Separation and Distribution Agreement, in connection with the Multi-State Investigation and the related lawsuits in which the Bank has been named as a party. Navient has informed the Bank, however, that it believes that the Bank may be responsible to indemnify Navient against certain potential liabilities arising from the above-described lawsuits under the Separation and Distribution Agreement and/or a separate loan servicing agreement between the parties, and has suggested that the parties defer further discussion regarding indemnification obligations, and reimbursement of ongoing legal costs, in connection with the lawsuits. The Bank disagrees with Navient&#8217;s position and the Bank has reiterated to Navient that Navient is responsible for promptly indemnifying the Bank against all liabilities arising out of the conduct of pre-Spin-Off SLM that are at issue in the Multi-State Investigation and in the above-described lawsuits.</span></div><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Contingencies</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the ordinary course of business, we and our subsidiaries are routinely defendants in or parties to pending and threatened legal actions and proceedings, including actions brought on behalf of various classes of claimants. These actions and proceedings may be based on alleged violations of consumer protection, securities, employment, and other laws. In certain of these actions and proceedings, claims for substantial monetary damage may be asserted against us and our subsidiaries.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">It is common for the Company, our subsidiaries, and affiliates to receive information and document requests and investigative demands from state attorneys general, legislative committees, and administrative agencies. These requests may be for informational or regulatory purposes and may relate to our business practices, the industries in which we operate, or other companies with whom we conduct business. Our practice has been and continues to be to cooperate with these bodies and be responsive to any such requests.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are required to establish reserves for litigation and regulatory matters where those matters present loss contingencies that are both probable and estimable. When loss contingencies are not both probable and estimable, we do not establish reserves.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Based on current knowledge, management does not believe there are loss contingencies, if any, arising from pending investigations, litigation, or regulatory matters for which reserves should be established.</span></div><span></span>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506335637208">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureTextBlock', window );">Income Taxes</a></td>
<td class="text">Income Taxes <div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reconciliations of the statutory U.S. federal income tax rates to our effective tax rate for continuing operations follow:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:71.527%"><tr><td style="width:1.0%"/><td style="width:44.142%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.793%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.793%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.795%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31,</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Statutory rate</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.0&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.0&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.0&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">State tax, net of federal benefit</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Business tax credits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.8)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2.2)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3.5)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reverse federal impact of indemnification adjustments </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrecognized tax benefits, U.S. federal and state, net of federal benefit</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.4&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.1)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.7&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Effective tax rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24.7&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23.7&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22.3&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The effective tax rate varies from the statutory U.S. federal rate of 21 percent primarily due to the impact of state taxes, net of federal benefit, for the year ended December 31, 2021; and due to business tax credits and the impact of state taxes, net of federal benefit, for the year ended December 31, 2020 and 2019, respectively.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income tax expense consists of:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.750%"><tr><td style="width:1.0%"/><td style="width:44.286%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.284%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.741%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.284%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.741%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.286%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Current provision (benefit):</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">259,536&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">172,153&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">150,800&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">State</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">64,843&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,387&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,378&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total current provision (benefit)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">324,379&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">200,540&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">175,178&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred provision (benefit):</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,240&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">58,003&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,240)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">State</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,132&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,773&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,474)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total deferred provision (benefit)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,372&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,776&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,714)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Provision for income tax expense</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">379,751&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">273,316&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">165,464&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The tax effect of temporary differences that give rise to deferred tax assets and liabilities is summarized below. </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:66.527%"><tr><td style="width:1.0%"/><td style="width:60.069%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.261%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.062%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.843%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.065%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deferred tax assets:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loan reserves</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">300,538&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">356,296&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Stock-based compensation plans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,174&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,914&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred revenue</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,318&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,441&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Operating loss carryovers</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">394&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">83&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accrued expenses not currently deductible</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,307&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,139&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net unrealized losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,047&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrecorded tax benefits</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,016&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,997&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,097&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,003&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total deferred tax assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">338,844&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">398,920&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deferred tax liabilities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,131&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,098&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Acquired intangible assets</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,710&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,767&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Market value adjustments on student loans, investments and derivatives</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,651&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net unrealized gains</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,459&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal deferred for state receivable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,921&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,456&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Student loan premiums and discounts, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,396&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,336&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">363&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">307&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total deferred tax liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">40,013&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">43,615&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Net deferred tax assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">298,831&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">355,305&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Included in operating loss carryovers are state net operating losses of $286 million and $277 million as of December 31, 2021 and 2020, respectively. The Company has recorded a valuation allowance against these net operating losses of $285&#160;million and $277&#160;million, respectively. Also included in operating loss carryovers is a capital loss of $16&#160;million and $16&#160;million as of December 31, 2021 and 2020, respectively. The Company has recorded a full valuation allowance against this capital loss. The valuation allowance is primarily attributable to deferred tax assets for state net operating losses and capital losses that management believes is more likely than not to expire prior to being realized.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The ultimate realization of the deferred tax assets is dependent upon the generation of future taxable income of the appropriate character (i.e., capital or ordinary) during the period in which the temporary differences become deductible. Management considers, among other things, the scheduled reversals of deferred tax liabilities and the history of positive taxable income in evaluating the realizability of the deferred tax assets. Management believes that it is more likely than not that the results of future operations will generate sufficient taxable income to realize our deferred tax assets (other than state net operating loss and capital loss carryovers as outlined above).</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021, the state net operating loss carryforwards will begin to expire in 2029 and the capital losses in 2025.</span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Accounting for Uncertainty in Income Taxes</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes changes in unrecognized tax benefits:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.694%"><tr><td style="width:1.0%"/><td style="width:56.480%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.097%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.565%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.565%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.767%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unrecognized tax benefits at beginning of year</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,134&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,509&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">52,159&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increases resulting from tax positions taken during a prior period</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,496&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,723&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,333&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Decreases resulting from tax positions taken during a prior period</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,481)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(817)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(851)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increases resulting from tax positions taken during the current period</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,743&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,815&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,572&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Decreases related to settlements with taxing authorities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,682)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(148)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,670)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increases related to settlements with taxing authorities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reductions related to the lapse of statute of limitations</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,978)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,948)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,034)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unrecognized tax benefits at end of year</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">75,328&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,134&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,509&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span><br/></span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, the gross unrecognized tax benefits are $75 million. Included in the $75 million are $65&#160;million of unrecognized tax benefits that, if recognized, would favorably impact the effective tax rate. As a part of the Spin-Off, the Company recorded a liability related to uncertain tax positions for which it is indemnified by Navient. See Note 2, &#8220;Significant Accounting Policies &#8212; Income Taxes,&#8221; for additional details.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax-related interest and penalty expense is reported as a component of income tax expense. As of December 31, 2021, 2020, and 2019, the total amount of income tax-related accrued interest and penalties, net of related benefit, recognized in the consolidated balance sheets was $10 million, $11 million, and $12 million, respectively.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the years ended December 31, 2021, 2020, and 2019, the total amount of income tax-related accrued interest, net of related tax benefit, recognized in the consolidated statements of income was $(1) million, $(1) million, and $(1) million, respectively. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company or one of its subsidiaries files income tax returns at the U.S. federal level and in most U.S. states. U.S. federal income tax returns filed for years 2014 and prior are no longer subject to examination. Various combinations of subsidiaries, tax years, and jurisdictions remain open for review, subject to statute of limitations periods (typically <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzM2OTM_7cb96500-24b5-47d5-844e-ed1b1c28110b">three</span> to <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzM2OTk_8547c727-7d20-4c1b-b95a-e67eef386472">four</span> prior years). The Company&#8217;s federal income tax returns for the years ended December 31, 2015, December 31, 2016, and December 31, 2017 are currently under audit by the Internal Revenue Service. We do not expect the resolution of open audits to have a material impact on our unrecognized tax benefits.</span></div>It is reasonably possible that the uncertain tax position reserve may decrease by as much as $6 million during the next 12 months due to the expiration of statutes of limitations, some of which related to indemnified tax liabilities. The reduction in the uncertain tax position reserve would be reflected as a tax benefit. We recorded a tax indemnification receivable from Navient for the indemnified tax liabilities which are included in the uncertain tax position reserve. A portion of the tax benefit will be offset by an expense related to the write-down of the indemnification receivable.<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326932952">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Concentrations of Risk<br></strong></div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskDisclosureTextBlock', window );">Concentrations of Risk</a></td>
<td class="text">Concentrations of Risk<div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our business is primarily focused on helping students and their families save, plan, and pay for college. We primarily originate, service, and/or collect loans made to students and their families to finance the cost of their education. We provide funding, delivery, and servicing support for education loans in the United States through our Private Education Loan program.  Because of this concentration in one industry, we are exposed to credit, legislative/political/reputational, operational, regulatory, liquidity, capital, and interest rate risks associated with the student loan industry.</span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Concentration Risk in the Revenues Associated with Private Education Loans</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We compete in the Private Education Loan market with banks and other consumer lending institutions, some with strong consumer brand name recognition and greater financial resources. We compete based on our products, origination capability, and customer service. To the extent our competitors compete aggressively or more effectively, we could lose market share to them or subject our existing loans to refinancing risk. Our product offerings may not prove to be profitable and may result in higher than expected losses.</span></div>We are a leading provider of saving- and paying-for-college products and programs. This concentration gives us a competitive advantage in the marketplace. This concentration also creates risks in our business, particularly in light of our concentration as a Private Education Loan lender. If population demographics result in a decrease in college-age individuals, if demand for higher education decreases, if the cost of attendance of higher education decreases, if consumers increase their targeted savings for higher education, if public resistance to higher education costs strengthens, if certain proposals for new federal and state spending on education gain broader appeal or momentum, or if the demand for higher education loans decreases, our consumer lending business could be negatively affected. In addition, the federal government, through the Federal Direct Student Loan Program (the &#8220;DSLP&#8221;), poses significant competition to our private credit loan products. If loan limits under the DSLP increase, DSLP loans could be more widely available to students and their families and DSLP loans could increase, resulting in further decreases in the size of the Private Education Loan market and demand for our Private Education Loan products. Also, competition from banks and other consumer lenders, many of whom may have a greater level of diversification in their mix of assets or may have lower return hurdles, could lead to decreases in demand for our Private Education Loan products.<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for any concentrations existing at the date of the financial statements that make an entity vulnerable to a reasonably possible, near-term, severe impact. This disclosure informs financial statement users about the general nature of the risk associated with the concentration, and may indicate the percentage of concentration risk as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -URI http://asc.fasb.org/topic&amp;trid=2134479<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326864280">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Only Statements<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="text">&#160;<span></span>
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<td class="text">Parent Only Statements <div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following parent company-only financial information should be read in conjunction with the other notes to the consolidated financial statements. The accounting policies for the parent company-only financial statements are the same as those used in the presentation of the consolidated financial statements, except that the parent company-only financial statements account for the parent company&#8217;s investments in its subsidiaries under the equity method.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:70.416%"><tr><td style="width:1.0%"/><td style="width:64.580%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.180%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.679%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.180%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.681%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Parent Only Condensed Balance Sheets</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">At December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">570,726&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">539,074&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total investments in subsidiaries (primarily Sallie Mae Bank)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,527,780&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,689,027&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income taxes receivables, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,835&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax indemnification receivable</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,047&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,492&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Due from subsidiaries, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">105,667&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,357&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other assets</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,361&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,457&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,215,581&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,298,242&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities and Equity</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income taxes payable, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34,822&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Payable due to Navient</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">101&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,531&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">44,809&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,997&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total liabilities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,065,870&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">735,407&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Equity</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock, par value $0.20 per share, 20 million shares authorized:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Series B: 2.5 million and 2.5 million shares issued, respectively, at stated value of $100 per share</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">251,070&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">251,070&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common stock, par value $0.20 per share, 1.125 billion shares authorized: 432.0 million and 456.7 million shares issued, respectively</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">86,403&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">91,346&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Additional paid-in capital</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,074,384&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,331,247&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accumulated other comprehensive loss (net of tax benefit of $(5,707) and $(10,908), respectively)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(17,897)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(34,200)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Retained earnings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,817,134&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,722,365&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total SLM Corporation stockholders&#8217; equity before treasury stock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,211,094&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,361,828&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: Common stock held in treasury at cost: 153.1 million and 81.4 million shares, respectively</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,061,383)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(798,993)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total equity</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,149,711&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,562,835&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total liabilities and equity</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,215,581&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,298,242&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:14pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.333%"><tr><td style="width:1.0%"/><td style="width:49.468%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.125%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.051%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.125%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.051%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.125%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.055%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Parent Only Condensed Statements of Income</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest income</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">392&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">452&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,663&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35,208&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,896&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,060&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest loss</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(34,816)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(14,444)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,397)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-interest income (loss)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(13,078)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,820&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10,856)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-interest expenses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,352&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">57,945&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">39,423&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loss before income tax benefit and equity in net income from subsidiaries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(102,246)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(69,569)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(58,676)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense (benefit)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,477&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,235)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(25,260)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Equity in net income from subsidiaries (primarily Sallie Mae Bank)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,271,236&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">939,024&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">611,692&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,160,513&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">880,690&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">578,276&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,736&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,734&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,837&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income attributable to SLM Corporation common stock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,155,777&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">870,956&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">561,439&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.555%"><tr><td style="width:1.0%"/><td style="width:56.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.887%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.887%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.889%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Parent Only Condensed Statement of Cash Flows</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash flows from operating activities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,160,513&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">880,690&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">578,276&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjustments to reconcile net income to net cash (used in) provided by operating activities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Undistributed earnings of subsidiaries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,271,236)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(939,024)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(611,692)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Dividends received from Sallie Mae Bank</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,444,500&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">579,400&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">254,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reduction of tax indemnification receivable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,445&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,066&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,649&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Amortization of unsecured debt upfront fees</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,663&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,029&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">811&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loss on early extinguishment of unsecured debt</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,784&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gain on sale of Upromise subsidiary, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,331)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Decrease in investment in subsidiaries, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34,935&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,698&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,611&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(Increase) decrease in due from subsidiaries, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(58,310)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,813)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,254&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increase in other assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16,964)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10,504)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12,999)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increase (decrease) in income taxes payable, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">36,657&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(13,292)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(25,814)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Decrease in payable due to entity that is a subsidiary of Navient</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,430)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(533)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(416)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increase (decrease) in other liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,165&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,874&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,796)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total adjustments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">179,209&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(323,430)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(381,392)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net cash provided by operating activities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,339,722&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">557,260&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">196,884&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash flows from investing activities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Proceeds from the sale of Upromise subsidiary, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,922&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net cash provided by investing activities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,922&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash flows from financing activities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Issuance costs for unsecured debt offering</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,540)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,309)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unsecured debt issued</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">492,135&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">495,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unsecured debt repaid</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(202,784)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Repurchase of Series B Preferred Stock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(68,055)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common stock dividends paid</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(60,462)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(46,351)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(51,114)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends paid</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,736)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,734)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16,837)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common stock repurchased</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,530,683)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(558,167)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(167,201)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net cash used in financing activities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,308,070)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(188,616)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(235,152)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net increase (decrease) in cash and cash equivalents</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31,652&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">385,566&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(38,268)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and cash equivalents at beginning of year</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">539,074&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">153,508&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">191,776&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and cash equivalents at end of year</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">570,726&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">539,074&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">153,508&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span></span>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326827096">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Selected Quarterly Financial Information (unaudited)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract', window );"><strong>Quarterly Financial Information Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationTextBlock', window );">Selected Quarterly Financial Information (unaudited)</a></td>
<td class="text">Selected Quarterly Financial Information (unaudited)<div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.694%"><tr><td style="width:1.0%"/><td style="width:51.193%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.717%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.717%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.717%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.717%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.912%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">(Dollars in thousands, except per share data)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">First </span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Second</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Third</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fourth</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">331,114&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">338,784&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">357,518&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">367,350&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(225,767)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">69,677&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">138,442&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,309)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income after provisions for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">556,881&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">269,107&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">219,076&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">382,659&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains (losses) on sales of loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">399,111&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,679&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">145,535&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains (losses) on derivative and hedging activities, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">89&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">44&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,288&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48,580&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,879&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,243&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total operating expenses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">124,499&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">128,010&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">140,649&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">125,495&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total restructuring expenses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,077&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">70&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">108&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">203,525&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,174&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,392&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">103,660&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">641,207&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">140,201&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,840&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">306,265&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,201&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,192&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,166&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,177&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income attributable to SLM Corporation common stock</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">640,006&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">139,009&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71,674&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">305,088&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Basic earnings per common share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.77&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.45&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.24&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.06&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Diluted earnings per common share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.75&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.44&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.24&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.04&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Declared dividends per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.03&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.03&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.03&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.11&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;     </span></div><div style="margin-top:9pt;padding-left:99pt;padding-right:63pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic and diluted earnings per common share attributable to SLM Corporation are computed independently for each of the quarters presented. Therefore, the sum of quarterly basic and diluted earnings per common share information may not equal annual basic and diluted earnings per common share.</span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.555%"><tr><td style="width:1.0%"/><td style="width:51.105%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.719%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.929%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.719%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.929%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.719%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.929%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.719%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.932%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">First</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Second</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Third</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fourth</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">(Dollars in thousands, except per share data)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">400,116&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">348,775&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">364,567&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">366,537&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">61,258&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">351,887&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,640)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(316,372)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income (loss) after provisions for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">338,858&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,112)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">368,207&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">682,909&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains (losses) on sales of loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">238,935&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(369)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(247)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains (losses) on derivative and hedging activities, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">45,672&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,751&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">136&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,487&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,412&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,646&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,043&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total operating expenses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">147,298&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">141,557&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">127,490&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">121,743&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total restructuring expenses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,127&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,088&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense (benefit)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">121,481&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(30,664)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,189&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">127,310&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Net income (loss)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">362,173&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(85,211)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">171,028&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">432,700&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,464&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,478&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,058&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,734&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income (loss) attributable to SLM Corporation common stock</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">358,709&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(87,689)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">168,970&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">430,966&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Basic earnings (loss) per common share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.88&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.23)</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.45&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.15&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Diluted earnings (loss) per common share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.87&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.23)</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.45&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.13&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Declared dividends per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.03&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.06&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.03&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;      </span></div><div style="margin-top:9pt;padding-left:99pt;padding-right:63pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic and diluted earnings per common share attributable to SLM Corporation are computed independently for each of the quarters presented. Therefore, the sum of quarterly basic and diluted earnings per common share information may not equal annual basic and diluted earnings per common share.</span></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for quarterly financial data. Includes, but is not limited to, tabular presentation of financial information for fiscal quarters, effect of year-end adjustments, and an explanation of matters or transactions that affect comparability of the information.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 270<br> -URI http://asc.fasb.org/topic&amp;trid=2126967<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 270<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=124502072&amp;loc=SL124452896-108306<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326827096">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Subsequent Events<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubsequentEventsTextBlock', window );">Subsequent Events</a></td>
<td class="text">Subsequent Events On January 26, 2022, we signed a definitive agreement with Epic Research LLC to purchase the assets primarily used or held for use of Epic Research Education Services, LLC, which does business as Nitro College (&#8220;Nitro&#8221;). Nitro provides resources that help students and families evaluate how to responsibly pay for college and manage their financial responsibilities after graduation. Nitro takes pride in equipping college students and their parents with the necessary tools to navigate college financing, manage their debt, and obtain scholarship opportunities. In addition to providing a scholarship finder, Nitro provides FAFSA application support, information on grants, and calculators to help college students determine the potential return on investment from a college degree. The addition of Nitro will support the our mission of providing students with the confidence needed to successfully navigate the higher education journey. Strategically, we expect the acquisition of the Nitro assets, including its employees and intellectual property, when complete, to immediately expand our digital marketing capabilities, reduce the cost to acquire customer accounts, and accelerate our progress to become a broader education solutions provider for students before, during, and immediately after college. We have had a partnership with Nitro since 2017, and it has been a source of Private Education Loan leads during this period. The transaction is subject to customary approvals and closing conditions and is expected to close in the first quarter of 2022. Terms of the purchase are not being disclosed, but the purchase price is not material to the Company.<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for significant events or transactions that occurred after the balance sheet date through the date the financial statements were issued or the date the financial statements were available to be issued. Examples include: the sale of a capital stock issue, purchase of a business, settlement of litigation, catastrophic loss, significant foreign exchange rate changes, loans to insiders or affiliates, and transactions not in the ordinary course of business.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 855<br> -URI http://asc.fasb.org/topic&amp;trid=2122774<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 855<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6842918&amp;loc=SL6314017-165662<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506325756296">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies (Policies)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UseOfEstimates', window );">Use of Estimates and Assumptions</a></td>
<td class="text"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Use of Estimates and Assumptions</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The financial reporting and accounting policies of SLM Corporation conform to generally accepted accounting principles in the United States of America (&#8220;GAAP&#8221;). The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Key accounting policies that include significant judgments and estimates include the valuation of allowance for credit losses.</span></div><span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConsolidationPolicyTextBlock', window );">Consolidation</a></td>
<td class="text"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Consolidation</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The consolidated financial statements include the accounts of SLM Corporation and its majority-owned and controlled subsidiaries after eliminating the effects of intercompany accounts and transactions.</span></div>We consolidate any variable interest entity (&#8220;VIE&#8221;) where we have determined we are the primary beneficiary.  The primary beneficiary is the entity which has both: (i) the power to direct the activities of the VIE that most significantly impact the VIE&#8217;s economic performance; and (ii) the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE.<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPolicyTextBlock', window );">Cash and Cash Equivalents</a></td>
<td class="text">Cash and Cash Equivalents Cash and cash equivalents include cash held in the Federal Reserve Bank of San Francisco (the &#8220;FRB&#8221;) and commercial bank accounts, and other short-term liquid instruments with original maturities of three months or less. Fees associated with investing cash and cash equivalents are amortized into interest income using the effective interest rate method.<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentPolicyTextBlock', window );">Trading and Available-for-Sale Investments</a></td>
<td class="text"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Trading Investments </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We periodically sell Private Education Loans through securitization transactions where we are required to retain a five percent vertical risk retention interest (i.e., five percent of each class issued in the securitizations). We classified those vertical risk retention interests related to the transactions as available-for-sale investments, except for the interest in the residual classes, which we classified as trading investments recorded at fair value with changes recorded through earnings. </span></div><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Available-for-Sale Investments</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investments consisted of mortgage-backed securities, Utah Housing Corporation bonds, and U.S. government-sponsored enterprises and Treasury securities. We record our investment purchases and sales on a trade date basis. The amortized cost of debt securities is adjusted for amortization of premiums and accretion of discounts, which are amortized using the effective interest rate method. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our investments are classified as available-for-sale and reported at fair value. Unrealized gains or losses on available-for-sale investments are recorded in equity and reported as a component of other comprehensive income (loss), net of applicable income taxes.  </span></div>We assess unrealized losses on available-for-sale debt securities that we have the ability and intent to hold for a period of time sufficient to recover the amortized cost of the security, for the purpose of determining credit impairment. If any credit impairment exists, an allowance for losses is established for the amount of the unrealized loss that is determined to be credit-related.<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy', window );">Other Investments</a></td>
<td class="text">Other InvestmentsWe hold investments in non-marketable securities and account for these investments at cost, less impairment, plus or minus observable price changes of identical or similar securities of the same issuer.<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoansAndLeasesReceivablePolicy', window );">Loans Held for Investment</a></td>
<td class="text"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loans Held for Investment</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans, consisting of Private Education Loans, FFELP Loans, and our suite of credit cards (&#8220;Credit Cards&#8221;) that we have the ability and intent to hold for the foreseeable future, are classified as held for investment, and are carried at amortized cost. Amortized cost includes the unamortized premiums, discounts, and capitalized origination costs and fees, all of which are amortized to interest income as discussed under &#8220;Loan Interest Income.&#8221; Loans which are held for investment are reported net of an allowance for credit losses.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansHeldForSalePolicyTextBlock', window );">Loans Held for Sale</a></td>
<td class="text"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loans Held for Sale</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any loans we have not classified as held for investment are classified as held-for-sale and are carried at the lower of cost or fair value. Loans are classified as held-for-sale when we have the intent and ability to sell such loans. Loans which are held-for-sale do not have the associated premium, discount, and capitalized origination costs and fees amortized into interest income. When a decision has been made to sell loans not previously classified as held for sale, such loans are transferred into the held-for-sale classification and carried at the lower of amortized cost basis (which excludes any allowance for credit losses) or fair value.  At the time of the transfer to the held-for-sale classification, any amount by which the amortized cost basis exceeds fair value is accounted for as a valuation allowance.  In addition, once a loan is classified as held-for-sale, we reverse any allowance for loan loss applicable to these loans.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As market conditions permit, we may sell or securitize loans as a source of financing for other loans. Due to varying structuring terms, certain transactions may qualify for sale treatment while others do not qualify for sale treatment and are recorded as financings. All of our education loans are initially categorized as held for investment. It is only when we have selected the loans to sell or securitize and the transaction qualifies as a sale that we transfer the loans into the held-for-sale classification and carry them at the lower of cost or fair value. If we anticipate recognizing a gain related to the impending securitization or sale, then the fair value of the loans is higher than their respective cost basis and no valuation allowance is recorded.</span></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_RestrictedCashandInvestmentsPolicyTextBlock', window );">Restricted Cash</a></td>
<td class="text">Restricted CashRestricted cash primarily includes amounts held in student loan securitization trusts and other secured borrowings. This cash must be used to make payments related to trust obligations. Amounts on deposit in these accounts are primarily the result of timing differences between when principal and interest is collected on the trust assets and when principal and interest is paid on trust liabilities.<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts', window );">Allowance For Credit Losses</a></td>
<td class="text"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Adoption of CECL</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 1, 2020, we adopted the Financial Accounting Standards Board&#8217;s (&#8220;FASB&#8217;s&#8221;) Accounting Standard Update (&#8220;ASU&#8221;) No. 2016-13, &#8220;Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&#8221; (&#8220;CECL&#8221;). Under this guidance, for all loans carried at amortized cost, upon loan origination we are required to measure our allowance for credit losses based on our estimate of all current expected credit losses over the remaining contractual term of the assets. Updates to that estimate each period are recorded through provision expense. The estimate of loan losses must be based on historical experience, current conditions, and reasonable and supportable forecasts. The ASU does not mandate the use of any specific method for estimating credit loss, permitting companies to use judgment in selecting the approach that is most appropriate in their circumstances. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Adoption of the standard had a material impact on how we record and report our financial condition and results of operations, and on regulatory capital. The following table illustrates the impact of the cumulative effect adjustment made upon adoption of CECL on January 1, 2020:</span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:63.611%"><tr><td style="width:1.0%"/><td style="width:34.489%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.638%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.458%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.891%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.768%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.891%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.865%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">January 1, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As reported under CECL</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Pre-CECL Adoption</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Impact of CECL Adoption</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,435,130&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,060,830&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,485&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,852&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">145,060&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79,183&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">188&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,584,965&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">441,912&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,143,053&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax asset</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">415,540&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">109,369&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">306,171&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Off-balance sheet exposures</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">118,239&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,481&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">115,758&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Equity:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Retained Earnings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">897,873&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,850,512&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(952,639)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This transition adjustment shown above is inclusive of qualitative adjustments incorporated into our CECL allowance as necessary, to address any limitations in the models used. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopt</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">CECL during the 2020 calendar year, including the Bank, may elect to delay for two years, and then phase in over the following three years, the effects on regulatory capital of CECL relative to the incurred loss methodology. The Bank has elected to use this option. Therefore, the regulatory capital impact of the Bank&#8217;s transition adjustments recorded on January 1, 2020 from the adoption of CECL, and 25 percent of the ongoing impact of CECL on the Bank&#8217;s allowance for credit losses, retained earnings, and average total consolidated assets, each as reported for regulatory capital purposes (collectively, the &#8220;adjusted transition amounts&#8221;), were deferred for the two-year period ending January 1, 2022. From January 1, 2022 to January 1, 2025, the adjusted transition amounts will be phased in for regulatory capital purposes at a rate of 25 percent per year, with the phased-in amounts included in regulatory capital at the beginning of each year. For additional information, see Note 18, &#8220;Regulatory Capital.&#8221;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain an allowance for credit losses for the lifetime expected credit losses on loans in our portfolios, as well as for future loan commitments, at the reporting date. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In determining the lifetime expected credit losses on our Private Education Loan portfolio loan segments, we use a discounted cash flow model. This method requires us to project future principal and interest cash flows on our loans in those portfolios. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To estimate the future expected cash flows, we use a vintage-based model that considers life of loan loss expectations, prepayments (both voluntary and involuntary), defaults, recoveries, and any other adjustments deemed necessary, to determine the adequacy of the allowance at each balance sheet date. These cash flows are discounted at the loan&#8217;s effective interest rate to calculate the present value of those cash flows. Management adjusts the effective interest rate used to discount expected cash flows to incorporate expected prepayments. The difference between the present value of those cash flows and the amortized cost basis of the underlying loans is the allowance for credit losses. Entities that measure credit losses based on the present value of expected future cash flows are permitted to report the entire change in present value as credit loss expense, but may alternatively report the change in present value due to the passage of time as interest income. We have elected to report the entire change in present value as credit loss expense.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In determining the loss rates used for the vintage-based approach, we start with our historical loss rates, stratify the loans within each vintage, and then adjust the loss rates based upon economic factors forecasted over a reasonable and supportable forecast period. The reasonable and supportable forecast period is meant to represent the period in which we </span></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">believe we can estimate the impact of forecasted economic factors in our expected losses. At the end of the reasonable and supportable forecast period, we immediately revert our forecast of expected losses to our historical averages. We use a two-year reasonable and supportable forecast period, although this period is subject to change as our view evolves on our ability to reasonably forecast economic conditions to estimate future losses.  </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating our current expected credit losses, we use a combination of expected economic scenarios coupled with our historical experience to derive a base case adjusted for any qualitative factors (as described below). We also develop an adverse and favorable economic scenario. At each reporting date, we determine the appropriate weighting of these alternate scenarios based upon the current economic conditions and our view of the risks of alternate outcomes. This weighting of expectations is used in calculating our current expected credit losses recorded each period.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating recoveries, we use both estimates of what we would receive from the sale of defaulted loans as well as historical borrower payment behavior to estimate the timing and amount of future recoveries on charged-off loans.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use historical experience and economic forecasts to estimate future prepayment speeds. As with our loss forecasts, at the end of the two-year reasonable and supportable forecast for prepayments, we immediately revert to our historical long-term prepayment rates. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the above modeling approach, we also take certain other qualitative factors into consideration when calculating the allowance for credit losses. These qualitative factors include, but are not limited to, changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not already included in the analysis, and the effect of other external factors such as legal and regulatory requirements on the level of estimated current expected credit losses.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The evaluation of the allowance for credit losses is inherently subjective, as it requires material estimates that may be susceptible to significant changes. If actual future performance in delinquency, charge-offs, and recoveries is significantly different than estimated, or management assumptions or practices were to change, this could materially affect the estimate of the allowance for credit losses, the timing of when losses are recognized, and the related provision for credit losses on our consolidated statements of income.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When calculating our allowance for credit losses and liability for unfunded commitments, we incorporate several inputs that are subject to change period to period. These include, but are not limited to, CECL model inputs and any overlays deemed necessary by management. The most impactful CECL model inputs include: </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Economic forecasts;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Weighting of economic forecasts;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Prepayment speeds; and</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt">Recovery rates.</span></div>Management overlays can encompass a broad array of factors not captured by model inputs, including but not limited to, changes in servicing policies, collection administrative practices, state law changes that could impact servicing and collection practices, and observed differences between forecasted and actual results.<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock', window );">Allowance for Private Education Loan Losses</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Private Education Loan Losses - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the key assumptions/estimates described above, some estimates are unique to our Private Education Loan portfolio. Estimates are made on our Private Education Loans regarding when each borrower will separate from school. The cash flow timing of when a borrower will begin making full principal and interest payments is dependent upon when the student either graduates or leaves school. These dates can change based upon many factors. We receive information regarding projected graduation dates from a third-party clearinghouse. The separation from school date is updated quarterly based on updated information received from the clearinghouse.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, when we have a contractual obligation to fund a loan or a portion of a loan at a later date, we make an estimate regarding the percentage of this obligation that will be funded. This estimate is based on historical experience. For unfunded commitments, we recognize the related life of loan allowance as a liability. Once the loan is funded, that liability transfers to the allowance for Private Education Loan losses.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Key Credit Quality Indicators - Private Education Loans - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We determine the collectability of our Private Education Loan portfolio by evaluating certain risk characteristics. We consider credit score at original approval and periodically refreshed/updated credit scores through the loan&#8217;s term, existence of a cosigner, loan status, and loan seasoning as the key credit quality indicators because they have the most significant effect on the determination of the adequacy of our allowance for credit losses. Credit scores are an indicator of the creditworthiness of borrowers and the higher the credit scores the more likely it is the borrowers will be able to make all of their contractual payments. Loan status affects the credit risk because a past due loan is more likely to result in a credit loss than a current loan. Additionally, loans in the deferred payment status have different credit risk profiles compared with those in current pay status. Loan seasoning affects credit risk because a loan with a history of making payments generally has a lower incidence of default than a loan with a history of making infrequent or no payments. The existence of a cosigner lowers the likelihood of default as well. We monitor and update these credit quality indicators in the analysis of the adequacy of our allowance for credit losses on a quarterly basis.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We collect on defaulted loans through a mix of in-house collectors, third-party collectors, and sales to third-parties. For December 31, 2021 and 2020, we used both an estimate of recovery rates from in-house collections as well as expectations of future sales of defaulted loans to estimate the timing and amount of future recoveries on charged-off loans.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Private Education Loans generally do not require borrowers to begin principal and interest repayment until at least six months after the borrowers have graduated or otherwise separated from school. Consequently, the loss estimates for these loans are generally low while the borrower is in school and then increase upon the end of the grace period after separation from school. At both December 31, 2021 and 2020, 24 percent of the principal balance of the Private Education Loan portfolio was related to borrowers who were then in an in-school (fully deferred), grace, or other deferment status and not required to make payments. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our collection policies for Private Education Loans allow for periods of nonpayment for certain borrowers requesting an extended grace period upon leaving school or experiencing temporary difficulty meeting payment obligations. This is referred to as forbearance and is considered in estimating the allowance for credit losses. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As part of concluding on the adequacy of the allowance for credit losses for Private Education Loans, we review key allowance and loan metrics. The most relevant of these metrics considered are the allowance as a percentage of ending total loans, delinquency percentages, and forbearance percentages.</span></div>We consider a Private Education Loan to be delinquent if the borrower has not made a required payment prior to the 31st day after such payment was contractually due.<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock', window );">Troubled Debt Restructurings ("TDRs")</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Troubled Debt Restructurings (&#8220;TDRs&#8221;) - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In estimating the expected defaults for our Private Education Loans that are considered TDRs, we follow the same discounted cash flow process described above but use the historical loss rates related to past TDR loans. The appropriate gross loss rates are determined for each individual loan by evaluating loan maturity, risk characteristics, and macroeconomic conditions.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for our TDR portfolio is included in our overall allowance for Private Education Loans. Our TDR portfolio is comprised mostly of loans with interest rate reductions and loans with forbearance usage greater than three months, as further described below.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations, achieve better student outcomes, and increase the collectability of the loans. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. When we give a borrower facing financial difficulty an interest rate reduction, we temporarily reduce the rate (currently to 4.0 percent) for a two-year period and, in the vast majority of cases, permanently extend the final maturity of the loan. The combination of these two loan term changes helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We classify a loan as a TDR due to forbearance using a two-step process. The first step is to identify a loan that was in full principal and interest repayment status and received more than three months of forbearance in a 24-month period; however, during the first nine months after a loan had entered full principal and interest repayment status, we do not count up to the first six months of forbearance received during that period against the three-month policy limit. The second step is to evaluate the creditworthiness of the loan by examining its most recent refreshed FICO score. Loans that have met the criteria in the first test and have a FICO score above a certain threshold (based on the most recent quarterly FICO </span></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">score refresh) will not be classified as TDRs. Loans that have met the criteria in the first test and have a FICO score under the threshold (based on the most recent quarterly FICO score refresh) will be classified as TDRs.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A loan also becomes a TDR when it is modified to reduce the interest rate on the loan (regardless of when such modification occurs and/or whether such interest rate reduction is temporary). Once a loan qualifies for TDR status, it remains a TDR for allowance purposes for the remainder of its life. About half our loans that are considered TDRs involve a temporary forbearance of payments and do not change the contractual interest rate of the loan. As of both December 31, 2021 and 2020, approximately 47 percent of TDRs were classified as such due to their forbearance status. For additional information, see Note 7, &#8220;Allowance for Credit Losses.&#8221;</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 27, 2020, then President Trump signed into law the Coronavirus Aid, Relief, and Economic Security Act (the &#8220;CARES Act&#8221;), which, among other things, allows us to (i) elect to suspend the requirements under GAAP for loan modifications related to COVID-19 that would otherwise be categorized as TDRs, and (ii) suspend any determination of a loan modified as a result of the effects of COVID-19 as being a TDR, including impairment for accounting purposes. Furthermore, on December 27, 2020, the Consolidated Appropriations Act, 2021 (the &#8220;CAA&#8221;) was signed into law. The CAA provides for additional COVID-19 focused relief and extends certain provisions of the CARES Act. </span></div>We have elected to suspend TDR accounting for both forbearance and interest rate modifications of loans that occur as a result of COVID-19 for the applicable period of the CARES Act and CAA relief. The relief from TDR guidance applies to modifications of loans that were not more than 30 days past due as of December 31, 2019, and that occur during the period beginning on March 1, 2020, and ending on the earlier of (i) sixty days after the date on which the national emergency related to the COVID-19 outbreak is terminated, or (ii) January 1, 2022. We are continuing to apply TDR accounting to those loans that were more than 30 days past due as of December 31, 2019 and were subsequently modified.<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForPrivateEducationLoanLossesPolicyTextBlock', window );">Off-Balance Sheet Exposure for Contractual Loan Commitments</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Off-Balance Sheet Exposure for Contractual Loan Commitments - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When we approve a Private Education Loan at the beginning of an academic year, that approval may cover the borrowing for the entire academic year. As such, we do not always disburse the full amount of the loan at the time of such approval, but instead have a commitment to fund a portion of the loan at a later date (usually the start of the second semester or subsequent trimesters). We estimate expected credit losses over the contractual period in which we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by us. The discounted cash flow approach described above includes expected future contractual disbursements. The portion of the allowance for credit losses related to future disbursements is shown as a liability on the face of the balance sheet, and related provision for credit losses is reflected on the income statement.  </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Uncollectible Interest - 2021 and 2020</span></div>The majority of the total accrued interest receivable on our Private Education Loan portfolio represents accrued interest on deferred loans where no payments are due while the borrower is in school and on fixed-pay loans where the borrower makes a $25 monthly payment that is smaller than the interest accrued on the loan in that month. The accrued interest on these loans will be capitalized and increase the unpaid principal balance of the loans when the borrower exits the grace period after separation from school. The discounted cash flow approach described above considers both the collectability of principal as well as this portion of accrued interest that is expected to capitalize to the balance of the loan. Therefore, the allowance for this portion of accrued interest balance is included in our allowance for credit losses. The discounted cash flow approach does not consider interest accrued on loans that are in a full principal and interest repayment status or in interest-only repayment status. We separately capture the amount of expected uncollectible interest associated with these loans using historical experience to estimate the uncollectible interest for the next four months at each period-end date. This amount is recorded as a reduction of interest income. Accrued interest receivable is separately disclosed on the face of the balance sheet.<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForCreditCardLoansPolicyTextBlock', window );">Allowance For Credit Card Loans</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Card Loans - 2021 and 2020</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use the gross loss approach when estimating the allowance for credit losses for our Credit Card portfolio. Because our Credit Card portfolio is new and we do not have sufficient historical loss experience, we use estimated loss rates reported by other financial institutions to estimate our allowance for credit losses for Credit Cards, net of expected recoveries. In addition, we use a model that utilizes purchased credit card information with risk characteristics similar to those of our own portfolio as a challenger model. We then consider any qualitative factors that may change our future expectations of losses.</span></div>As all of our Credit Card loans are unconditionally cancelable by us, the issuer, we do not record any estimate of credit losses for unused portions of our Credit Card commitments.<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DepositsPolicyTextBlock', window );">Deposits</a></td>
<td class="text"><div style="margin-top:11pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Deposits</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our retail deposit accounts are principally certificates of deposit (&#8220;CDs&#8221;), money market deposit accounts (&#8220;MMDAs&#8221;), and high-yield savings (&#8220;HYS&#8221;) accounts. CDs are accounts that have a stipulated maturity and interest rate. Retail CDs may be withdrawn early, but a penalty is assessed. MMDA and HYS accounts are both interest and non-interest bearing accounts that have no maturity or expiration date. For retail MMDA and HYS accounts, the depositor may be required to give written notice of any intended withdrawal not less than seven days before the withdrawal is made.&#160;</span></div>The Bank also includes brokered CDs in its funding base.&#160;Early withdrawal of brokered CDs is prohibited (except in the case of death or legal incapacity). Other deposit accounts include large interest-bearing omnibus accounts deposited in the Bank by commercial entities having custodial responsibilities for many underlying accounts.&#160;These omnibus accounts may be structured with or without fixed maturities, and may have fixed or variable interest rates.<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueOfFinancialInstrumentsPolicy', window );">Fair Value Measurement</a></td>
<td class="text"><div style="margin-top:11pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Fair Value Measurement</span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We use estimates of fair value in applying various accounting standards for our financial statements. Fair value measurements are used in one of four ways:</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the consolidated balance sheet with changes in fair value recorded in the consolidated statement of income;</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the consolidated balance sheet with changes in fair value recorded in the accumulated other comprehensive income section of the consolidated statement of changes in equity;</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the consolidated balance sheet for instruments carried at lower of cost or fair value with impairment charges recorded in the consolidated statement of income; and</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In the notes to the consolidated financial statements.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair value is defined as the price to sell an asset or transfer a liability in an orderly transaction between willing and able market participants. In general, our policy in estimating fair value is to first look at observable market prices for identical assets and liabilities in active markets, where available. When these are not available, other inputs are used to model fair value such as prices of similar instruments, yield curves, volatilities, prepayment speeds, default rates, and credit spreads (including for our liabilities), relying first on observable data from active markets. Depending on current market conditions, additional adjustments to fair value may be based on factors such as liquidity, credit, and bid/offer spreads. Transaction costs are not included in the determination of fair value. When possible, we seek to validate the model&#8217;s output to market transactions. Depending on the availability of observable inputs and prices, different valuation models could produce materially different fair value estimates. The values presented may not represent future fair values and may not be realizable.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We categorize our fair value estimates based on a hierarchical framework associated with three levels of price transparency utilized in measuring financial instruments at fair value. Classification is based on the lowest level of input that is significant to the fair value of the instrument. The three levels are as follows:</span></div><div style="margin-top:9pt;padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 1 &#8212; Quoted prices (unadjusted) in active markets for identical assets or liabilities that we have the ability to access at the measurement date. The types of financial instruments included in level 1 are highly liquid instruments with quoted prices.</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 2 &#8212; Inputs from active markets, other than quoted prices for identical instruments, are used to determine fair value. Significant inputs are directly observable from active markets for substantially the full term of the asset or liability being valued.</span></div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 3 &#8212; Pricing inputs significant to the valuation are unobservable. Inputs are developed based on the best information available. However, significant judgment is required by us in developing the inputs.</span><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy', window );">Loan Interest Income</a></td>
<td class="text"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loan Interest Income</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For all loans, including impaired loans (regardless of the delinquency status of the impaired loans), classified as held for investment, we recognize interest income as earned, adjusted for the amortization of deferred direct origination and acquisition costs. Deferred fees or costs are required to be recognized as yield adjustments over the life of the related loans and are recognized by the interest method. The objective of the interest method is to arrive at periodic interest income (including recognition of fees and costs) at a constant effective yield on the net investment in the receivable (i.e., the principal amount of the receivable adjusted by unamortized fees or costs, purchase premium or discount, and any hedging activity&#8212;these unamortized costs will collectively be referred to as &#8220;basis adjustments&#8221;). The difference between the periodic interest income so determined and the interest income determined by applying the stated interest rate to the outstanding principal amount of the receivable is the amount of periodic amortization of deferred direct origination and acquisition costs. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the amortization of the basis adjustments, we determine the constant effective yield necessary to apply the interest method based upon the contractual terms of the loan contract, with no consideration given to expected prepayments. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For fixed-rate loans, when a prepayment occurs the unamortized balance of the basis adjustments is adjusted so that future amortization (based upon the contractual terms of the loan) will result in a constant effective yield equal to the original effective interest rate. Prepayments do not result in a change in the effective interest rate of the loan. We determine the contractual payments on a pool basis; as such, when a prepayment occurs, future contractual payments will be determined assuming the pool will make smaller payments through the original term of the contract. The adjustment to the unamortized basis adjustment balance is recorded in interest income.   </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For variable-rate loans, the effective interest rate at the time of origination is the loan&#8217;s effective interest rate assuming all future contractual payments. The effective interest rate remains the same for that loan until the loan rate changes.  If there is no prepayment and no change in the stated interest rate, the periodic amortization of the basis adjustments is equal to the difference between the effective interest rate multiplied by the book basis and the contractual interest due. We determine the contractual payments on a pool basis; as such, when a prepayment occurs, future contractual payments will be determined assuming the pool will make smaller payments through the original term of the contract. The adjustment to the unamortized basis adjustment balance is recorded in interest income.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When the interest rate on a variable-rate loan changes, the effective interest rate is recalculated using the same methodology described in the previous paragraph; however, the future contractual payments are changed to reflect the new interest rate. There is no forecasting of future expected changes in interest rates.  The accounting basis used to determine the effective interest rate of the cash flows is equal to the balances of the unpaid principal balance and unamortized basis adjustments at the time of the rate change.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also pay to the U.S. Department of Education (the &#8220;DOE&#8221;) an annual 105 basis point Consolidation Loan Rebate Fee on FFELP consolidation loans, which is netted against loan interest income. Additionally, interest earned on education loans reflects potential non-payment adjustments in accordance with our uncollectible interest recognition policy. We do not amortize any adjustments to the basis of loans when they are classified as held-for-sale.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With the adoption of CECL on January 1, 2020, we continue to analyze the collectability of accrued interest associated with loans not currently in full principal and interest repayment status or interest-only repayment status as discussed above; however, we have changed the recognition of the allowance for this portion of uncollectible interest (amounts to be capitalized after separation from school and the expiration of the grace period) to the provisions for credit losses from our historical practice of recording it as a reduction of interest income, as well as classifying this allowance as part of our allowance for credit losses as opposed to our historical practice of recording it as a reduction of accrued interest income receivable.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for the portion of uncollectible interest on loans making full interest payments will continue to be recorded as a reduction of interest income. As we maintain an allowance for uncollectible interest on loans making full interest payments and an allowance for credit losses for the interest on loans where all, or a portion of the interest, will be capitalized in the future, we do not place loans in nonaccrual status prior to charge-off. At December 31, 2021 and 2020, we had no loans in nonaccrual status.</span></div>We recognize certain fee income (primarily late fees) on all loans when earned according to the contractual provisions of the promissory notes, as well as our expectation of collectability. Fee income is recorded when earned in &#8220;other non-interest income&#8221; in the accompanying consolidated statements of income.<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpensePolicyTextBlock', window );">Interest Expense</a></td>
<td class="text">Interest ExpenseInterest expense is based upon contractual interest rates adjusted for the amortization of issuance costs. We incur interest expense on interest-bearing deposits comprised of non-maturity savings deposits, brokered and retail CDs, and brokered and retail MMDAs, as well as on unsecured and secured financings. &#160;Interest expense is recognized when amounts are contractually due to deposit and debt holders and is adjusted for net payments/receipts related to interest rate swap agreements that qualify and are designated hedges of interest-bearing liabilities. &#160;Interest expense also includes the amortization of deferred gains and losses on closed hedge transactions that qualified as hedges.  Amortization of debt issuance costs, premiums, discounts, and terminated hedge-basis adjustments are recognized using the effective interest rate method. We incur certain fees related to our Private Education Loan multi-lender secured borrowing facility (the &#8220;Secured Borrowing Facility&#8221;), including an unused Secured Borrowing Facility fee, and also incur fees related to our term asset-backed securities (&#8220;ABS&#8221;). These fees are included in interest expense.<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy', window );">Gains on Sale of Loans, Net</a></td>
<td class="text">Gains on Sale of Loans, NetWe may participate and sell loans to third-parties and affiliates, including entities that were related parties prior to the Spin-Off. These sales may occur through whole loan sales or securitization transactions that qualify for sales treatment.  If a transfer of loans qualifies as a sale, we derecognize the loan and recognize a gain or loss as the difference between the carry basis of the loan sold and liabilities retained and the compensation received. We recognize the results of a transfer of loans based upon the settlement date of the transaction. These loans were initially recorded as held for investment and were transferred to held-for-sale immediately prior to sale or securitization.<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_OtherIncomePolicyPolicyTextBlock', window );">Other Income</a></td>
<td class="text"><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Other Income </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Included in other income are late fees on both Private Education Loans and FFELP Loans, which we recognize when the cash has been received, fees related to our Credit Card program, income for servicing private student loans for third-parties, and changes to our tax indemnification receivable from Navient.</span></div>Our former Upromise subsidiary had a number of programs that encouraged consumers to save for the cost of college education. We had established a consumer savings network, which was designed to promote college savings by consumers who were members of this program by encouraging them to purchase goods and services from the merchants that participated in the program. Participating merchants generally paid Upromise fees based on member purchase volume, either online or in stores, depending on the contractual arrangement with the merchant. We recognized revenue as marketing and administrative services were rendered, based upon contractually determined rates and member purchase volumes. On May 31, 2020, we sold our Upromise subsidiary to a third party, resulting in the loss of revenue from that business for the second half of 2020.<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy', window );">Securitization Accounting</a></td>
<td class="text"><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Securitization Accounting</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our securitization transactions use a two-step structure with a special purpose entity VIE that legally isolates the transferred assets from us in the event of bankruptcy or receivership. Transactions receiving sale treatment are also structured to ensure that the holders of the beneficial interests issued are not constrained from pledging or exchanging their interests, and that we do not maintain effective control over the transferred assets. If these criteria are not met, then the transaction is accounted for as an on-balance sheet secured borrowing. If a securitization qualifies as a sale, we then assess whether we are the primary beneficiary of the securitization trust and are required to consolidate such trust. We are considered the primary beneficiary if we have both: (i) the power to direct the activities of the VIE that most significantly impact the VIE&#8217;s economic performance; and (ii) the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE. There can be considerable judgment as it relates to determining the primary beneficiary of the VIEs. There are no &#8220;bright line&#8221; tests. Rather, the assessment of who has the power to direct the activities of the VIE that most significantly affect the VIE&#8217;s economic performance and who has the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE can be very qualitative and judgmental in nature. If we are the primary beneficiary, then no gain or loss is recognized.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have determined that as the servicer of Sallie Mae securitization trusts, we meet the first primary beneficiary criterion because we have the power to direct the activities of the VIE that most significantly impact the VIE&#8217;s economic performance.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Irrespective of whether a securitization receives sale or on-balance sheet treatment, our continuing involvement with our securitization trusts is generally limited to:</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Owning the equity certificates of certain trusts;</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The servicing of the student loan assets within the securitization trusts, on both a pre- and post-default basis;</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our acting as administrator for the securitization transactions we sponsored;</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our responsibilities relative to representation and warranty violations; and</span></div><div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The option to exercise the clean-up call and purchase the student loans from the trust when the pool balance is 10 percent or less of the original pool balance.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2021 and 2020, we executed several secured financing transactions. Based upon our relationships with these securitizations, we believe the consolidation assessment is straightforward.  We consolidated our secured financing transactions because either we did not meet the accounting criterion for sales treatment or we determined we were the primary beneficiary of the VIE because we retained (i) the residual interest in the securitization and therefore had the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE, as well as (ii) the power to direct the activities of the VIE in our role as servicer. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The investors in our securitization trusts have no recourse to our other assets should there be a failure of the trust to pay when due. Generally, the only recourse the securitization trusts have to us is in the event we breach a seller representation or warranty or our duties as master servicer and servicer, in which event we are obligated to repurchase the related loans from the trust. </span></div>From time to time, we also engage in certain transactions that are not consolidated on our balance sheet due to the transaction having met the criterion for sales treatment. In these transactions, we remove loans from our consolidated balance sheet and recognize any assets retained and liabilities assumed at fair value, and record a gain or loss on the transferred loans. Our continuing involvement in these securitization transactions mainly consists of acting as the primary servicer and holding certain retained interests. We provide additional information regarding these types of activities in Note 11, &#8220;Borrowings &#8212; Unconsolidated VIEs.&#8221;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesPolicyTextBlock', window );">Derivative Accounting</a></td>
<td class="text"><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Derivative Accounting</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We account for our derivatives, consisting of interest rate swaps, at fair value on the consolidated balance sheets as either an asset or liability. Derivative positions are recorded as net positions by counterparty based on master netting arrangements (see Note 12, &#8220;Derivative Financial Instruments&#8221;), exclusive of accrued interest and cash collateral held or pledged. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the &#8220;Dodd-Frank Act&#8221;) requires all standardized derivatives, including most interest rate swaps, to be submitted for clearing to central counterparties to reduce counterparty risk.  Two of the central counterparties we use are the Chicago Mercantile Exchange (the &#8220;CME&#8221;) and the London Clearing House (the &#8220;LCH&#8221;). All variation margin payments on derivatives cleared through the CME and LCH are accounted for as legal settlement. As of December&#160;31, 2021, $5.2 billion notional of our derivative contracts were cleared on the CME and $0.3 billion were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent 94.4 percent and 5.6 percent, respectively, of our total notional derivative contracts of $5.5 billion at December&#160;31, 2021.</span></div><div style="margin-bottom:9pt;margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For derivatives cleared through the CME and LCH, the net gain (loss) position includes the variation margin amounts as settlement of the derivative and not collateral against the fair value of the derivative. The amount of variation margin included as settlement as of December 31, 2021 was $(72) million and $8 million for the CME and LCH, respectively. Changes in fair value for derivatives not designated as hedging instruments are presented as realized gains (losses). </span></div><div style="margin-bottom:9pt;margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We determine the fair value for our derivative contracts primarily using pricing models that consider current market conditions and the contractual terms of the derivative contracts. These pricing models consider interest rates, time value, forward interest rate curves, and volatility factors. Inputs are generally from active financial markets.</span></div><div style="margin-bottom:9pt;margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The accounting for derivative instruments requires that every derivative instrument, including certain derivative instruments embedded in other contracts, be recorded on the balance sheet as either an asset or liability measured at fair value. Our derivative instruments are classified and accounted for by us as fair value hedges, cash flow hedges, and trading hedges. </span></div><div style="margin-bottom:9pt;margin-top:1pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Each derivative is designated to a specific (or pool of) liability(ies) on the consolidated balance sheets, and is designated as either a &#8220;fair value&#8221; hedge or a &#8220;cash flow&#8221; hedge. Fair value hedges are designed to hedge our exposure to the changes in fair value of a fixed-rate liability. For effective fair value hedges, both the hedge and the hedged item (for the risk being hedged) are recorded at fair value with any difference reflecting ineffectiveness recorded immediately in the consolidated statements of income. Cash flow hedges are designed to hedge our exposure to variability in cash flows related to variable-rate deposits. The assessment of the hedge&#8217;s effectiveness is performed at inception and on an ongoing basis, using regression testing. For hedges of a pool of liabilities, tests are performed to demonstrate the similarity of individual instruments of the pool. When it is determined that a derivative is not currently an effective hedge, ineffectiveness is recognized for the full change in fair value of the derivative with no offsetting amount from the hedged item since the last time it was effective. If it is also determined the hedge will not be effective in the future, we discontinue the hedge accounting prospectively and begin amortization of any basis adjustments that exist related to the hedged item.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 12, 2020, the FASB issued ASU No. 2020-04, &#8220;Reference Rate Reform (&#8220;Topic 848&#8221;): Facilitation of the Effects of Reference Rate Reform on Financial Reporting.&#8221; On January 7, 2021, the FASB issued ASU No. 2021-01, &#8220;Reference Rate Reform (&#8220;Topic 848&#8221;): Scope&#8221; that clarified the scope of Topic 848. Topic 848 contains temporary optional expedients and exceptions for applying GAAP to contract modifications, hedging relationships, and other transactions affected by reference rate reform. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our derivative portfolio is made up of interest rate swaps that are centrally cleared through either the CME or the LCH. On October 16, 2020, both the CME and the LCH changed the price alignment interest and discount rate applied when valuing these transactions to the Secured Overnight Financing rate (&#8220;SOFR&#8221;). The ISDA 2020 LIBOR Fallbacks Protocol (the &#8220;ISDA Fallback Protocol&#8221;) was made available for adherence on October 23, 2020, with an effective date of January 25, 2021. Once adhered to by both counterparties in a bilateral relationship and the effective date is reached, the ISDA Fallback Protocol represents a change to the contractual terms of derivatives governed by each respective ISDA agreement between the Company and a derivative counterparty. We have elected the option provided in Topic 848 to not reassess previous accounting determinations as well as the option to not dedesignate a hedging relationship due to a current or future change in a critical or contractual term related to reference rate reform, including changes in the discount rate. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As our liabilities may begin to use alternatives to LIBOR before LIBOR is no longer published, for cash flow hedges of forecasted LIBOR based payments, we have elected the expedient offered in Topic 848 to disregard the potential change in the designated hedged interest rate risk that may occur because of reference rate reform when we assesses whether the hedged forecasted transactions are probable, in accordance with the requirements of &#8220;Derivatives and Hedging&#8221; Topic 815. We have also elected the expedient provided by Topic 848 to assume the reference rate will not be replaced for the remainder of the hedging relationship when assessing hedge effectiveness.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Topic 848 allows for different elections to be made at different points in time. We intend to reassess our elections of optional expedients and exceptions included within Topic 848 when changes or additions are necessary.</span></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CompensationRelatedCostsPolicyTextBlock', window );">Stock-Based Compensation</a></td>
<td class="text">Stock-Based CompensationWe recognize stock-based compensation cost in our consolidated statements of income using the fair value method. Under this method, we determine the fair value of the stock-based compensation at the time of the grant and recognize the resulting compensation expense over the vesting period of the stock-based grant. We do not apply a forfeiture rate to our stock-based compensation expense, but rather record forfeitures when they occur. We record all excess tax benefits/deficiencies related to the settlement of employee stock-based compensation to the income tax expense line item on our consolidated statements of income.<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAssociatedWithExitOrDisposalActivitiesOrRestructuringsPolicy', window );">Restructuring Activities</a></td>
<td class="text"><div style="margin-top:6pt;text-indent:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Restructuring Activities</span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the third quarter of 2020, we initiated a restructuring program to reduce costs and improve operating efficiencies by better aligning our organizational structure with our new corporate strategic imperatives. In conjunction with these restructuring plans, involuntary benefit arrangements, and certain other costs that are incremental and incurred as a direct result of our restructuring plans, are classified as restructuring expenses in the accompanying consolidated statements of income. Restructuring expenses of $26&#160;million were recorded in the year ended December 31, 2020. Of that total, $20&#160;million related to severance benefits and $6&#160;million related to other related costs, primarily legal and consulting fees. We recorded $1&#160;million in additional restructuring expenses in the year ended December 31, 2021. There were no restructuring expenses recorded in the year ended December 31, 2019. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We sponsor employee severance plans that provide severance benefits in the event of termination of our full-time employees and part-time employees who work at least 24 hours per week. The severance plans establish specified </span></div>benefits based on base salary, job level immediately preceding termination, and years of service upon termination of employment due to involuntary termination or a job abolishment, as defined in the severance plans. The benefits payable under the severance plans relate to past service. Accordingly, we recognize severance costs to be paid pursuant to the severance plans when payment of such benefits is probable and reasonably estimable. Such benefits, including severance pay calculated based on the severance plan, medical and dental benefits, outplacement services, and continuation pay, were incurred during the year ended December 31, 2020, as a direct result of our restructuring initiative. Accordingly, such costs are classified as restructuring expenses in the accompanying consolidated statements of income. We finalized this restructuring plan in 2020.<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxPolicyTextBlock', window );">Income Taxes</a></td>
<td class="text"><div style="margin-top:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Income Taxes </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We account for income taxes under the asset and liability approach, which requires the recognition of deferred tax liabilities and assets for the expected future tax consequences of temporary differences between the carrying amounts and tax basis of our assets and liabilities. To the extent tax laws change, deferred tax assets and liabilities are adjusted in the period that the tax change is enacted. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;Income tax expense (benefit)&#8221; includes (i)&#160;deferred tax expense (benefit), which represents the net change in the deferred tax asset or liability balance during the year when applicable, and (ii)&#160;current tax expense (benefit), which represents the amount of tax currently payable to or receivable from a tax authority plus amounts accrued for unrecognized tax benefits. Income tax expense (benefit) excludes the tax effects related to adjustments recorded in equity.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">An uncertain tax position is recognized only if it is more likely than not to be sustained upon examination based on the technical merits of the position. The amount of tax benefit recognized in the consolidated financial statements is the largest amount of benefit that is more than 50 percent likely of being sustained upon ultimate settlement of the uncertain tax position. We recognize interest and penalties related to unrecognized tax benefits in income tax expense (benefit).</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the Spin-Off, we recorded a liability related to uncertain tax positions of $27 million for which we are indemnified by Navient.  If there is an adjustment to the indemnified uncertain tax liability, an offsetting adjustment to the indemnification receivable will be recorded as pre-tax adjustment to other income in the income statement.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of the date of the Spin-Off on April 30, 2014, we recorded liabilities related to deferred taxes and uncertain tax positions and an indemnification receivable of $291 million. As of December 31, 2021, with respect to those amounts recorded at the Spin-Off, the remaining liability balance is $5 million (related to uncertain tax positions) and the remaining indemnification receivable balance is $5&#160;million (related to uncertain tax positions).</span></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AllowanceForCreditCardLoansPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance For Credit Card Loans</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceForCreditCardLoansPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance for private education loan losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AllowanceForPrivateEducationLoanLossesPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance For Private Education Loan Losses</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceForPrivateEducationLoanLossesPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DepositsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deposits [Policy Text Block]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DepositsPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans and Leases Receivable, Allowance for Personal Loans</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansHeldForSalePolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Held For Sale</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansHeldForSalePolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_OtherIncomePolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Other income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_OtherIncomePolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_RestrictedCashandInvestmentsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Restricted Cash and Investments [Policy Text Block]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_RestrictedCashandInvestmentsPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for cash and cash equivalents, including the policy for determining which items are treated as cash equivalents. Other information that may be disclosed includes (1) the nature of any restrictions on the entity's use of its cash and cash equivalents, (2) whether the entity's cash and cash equivalents are insured or expose the entity to credit risk, (3) the classification of any negative balance accounts (overdrafts), and (4) the carrying basis of cash equivalents (for example, at cost) and whether the carrying amount of cash equivalents approximates fair value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123431023&amp;loc=d3e4273-108586<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CompensationRelatedCostsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for salaries, bonuses, incentive awards, postretirement and postemployment benefits granted to employees, including equity-based arrangements; discloses methodologies for measurement, and the bases for recognizing related assets and liabilities and recognizing and reporting compensation expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b),(f(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CompensationRelatedCostsPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConsolidationPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy regarding (1) the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements and (2) its treatment of interests (for example, common stock, a partnership interest or other means of exerting influence) in other entities, for example consolidation or use of the equity or cost methods of accounting.  The accounting policy may also address the accounting treatment for intercompany accounts and transactions, noncontrolling interest, and the income statement treatment in consolidation for issuances of stock by a subsidiary.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123372394&amp;loc=d3e18823-107790<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=109239629&amp;loc=d3e5614-111684<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ConsolidationPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CostsAssociatedWithExitOrDisposalActivitiesOrRestructuringsPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for cost associated with exit or disposal activity or restructuring. Excludes entity newly acquired in business combination and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 420<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 5.P.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=115931487&amp;loc=d3e140904-122747<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 420<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 5.P.3)<br> -URI http://asc.fasb.org/extlink&amp;oid=115931487&amp;loc=d3e140864-122747<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 420<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 5.P.3,4)<br> -URI http://asc.fasb.org/extlink&amp;oid=115931487&amp;loc=d3e140864-122747<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CostsAssociatedWithExitOrDisposalActivitiesOrRestructuringsPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativesPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for its derivative instruments and hedging activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=d3e41620-113959<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=d3e41638-113959<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5579245-113959<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=d3e41675-113959<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(n))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5579240-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativesPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueOfFinancialInstrumentsPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for determining the fair value of financial instruments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 60<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=7493716&amp;loc=d3e21868-110260<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123594938&amp;loc=d3e13279-108611<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueOfFinancialInstrumentsPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinanceLoansAndLeasesReceivablePolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5093-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=84159169&amp;loc=d3e10133-111534<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=84159169&amp;loc=d3e10178-111534<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5144-111524<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=84159169&amp;loc=d3e10149-111534<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953423-111524<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5033-111524<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (b,d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinanceLoansAndLeasesReceivablePolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for charging off uncollectible financing receivables, including, but not limited to, factors and methodologies used in estimating the allowance for credit loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (a,b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=123427490&amp;loc=d3e32247-109318<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32847-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32840-109319<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124431353&amp;loc=SL116659661-227067<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32639-109319<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=123427490&amp;loc=d3e32280-109318<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 17<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32809-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpensePolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for recognizing interest expense, including the method of amortizing debt issuance costs.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 10<br> -Section 05<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=28365394&amp;loc=d3e23770-108382<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpensePolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for investment in financial asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(3)(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for method for recognizing interest income and amortizing deferred fee or cost of financing receivable. Includes, but is not limited to, treatment of fee, cost, premium and discount.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5033-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for  not readily marketable securities, valuation methods and significant assumptions used to determine fair value, restrictions on the investment and reasons investments are not readily marketable, including securities that are not registered, investments in nonpublic entities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 820<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35710923&amp;loc=d3e45360-110995<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for transfers of financial assets, including securitization transactions. The disclosure is generally expected to include how the entity determines whether a transaction is accounted for as a sale or financing, and the initial and subsequent accounting for such a transaction. The disclosure also may address how interests that are obtained and sold, or those that continue to be held, in such transactions are measured and accounted for, and the methodology and significant assumptions used to value such interests, and the gains or losses resulting from the sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121570589&amp;loc=d3e107314-111719<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=121570589&amp;loc=d3e107207-111719<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=109221007&amp;loc=SL6226446-111709<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 30<br> -Section 25<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109249708&amp;loc=d3e113105-111724<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for recognizing whether a transfer of a financial asset qualifies for sale treatment, and its initial and subsequent accounting for a sale transaction. If an entity has securitized financial assets during any period presented and accounts for that transfer as a sale, for each major asset type (for example, mortgage loans, credit card receivables, and automobile loans), the entity generally discloses its accounting policies for initially and subsequently measuring any interests that it obtains and sells, or those it continues to hold in the transaction, including the methodology (for example, quoted market prices) and significant assumptions used to value such interests, and the gains and losses resulting from the sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=109221007&amp;loc=SL6226446-111709<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121570589&amp;loc=d3e107314-111719<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6191-108592<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6161-108592<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6143-108592<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e5967-108592<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6061-108592<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6132-108592<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e5967-108592<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">us-gaap_UseOfEstimates</td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326869032">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock', window );">Schedule of Cumulative Effect of Adoption of CECL</a></td>
<td class="text">The following table illustrates the impact of the cumulative effect adjustment made upon adoption of CECL on January 1, 2020:<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:63.611%"><tr><td style="width:1.0%"/><td style="width:34.489%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.638%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.458%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.891%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.768%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.891%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.865%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">January 1, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As reported under CECL</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Pre-CECL Adoption</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Impact of CECL Adoption</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,435,130&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,060,830&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,485&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,852&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">145,060&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79,183&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">188&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,584,965&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">441,912&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,143,053&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax asset</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">415,540&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">109,369&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">306,171&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Off-balance sheet exposures</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">118,239&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,481&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">115,758&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Equity:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Retained Earnings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">897,873&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,850,512&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(952,639)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of changes in accounting principles, including adoption of new accounting pronouncements, that describes the new methods, amount and effects on financial statement line items.</p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506330398872">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investments (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>Investments, Debt and Equity Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock', window );">Schedule of amortized cost and fair value of securities available-for-sale</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amortized cost and fair value of securities available for sale are as follows:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:80.000%"><tr><td style="width:1.0%"/><td style="width:32.059%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.056%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.573%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.668%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.531%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.531%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.668%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.531%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.015%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.274%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for credit losses</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Gains</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Available for sale:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage-backed securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">376,313&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,857&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,073)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">371,097&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Utah Housing Corporation bonds</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,943&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,961&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">U.S. government-sponsored enterprises and Treasuries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,958,943&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">603&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,893)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,947,653&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other securities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">193,369&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">439&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,563)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">192,245&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,535,568&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,917&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,529)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,517,956&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2020<br/>(dollars in thousands)</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for credit losses</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Gains</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Available for sale:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage-backed securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">308,913&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,095&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(134)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">314,874&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Utah Housing Corporation bonds</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,357&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">210&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,567&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">U.S. government-sponsored enterprises and Treasuries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,596,890&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,395&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,600,285&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other securities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,797&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">462&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(351)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,908&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,986,957&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,162&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(485)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,996,634&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div>(1)  Represents the amount of impairment that has resulted from credit-related factors and that was recognized in the consolidated balance sheets (as a credit loss expense on available-for-sale securities). The amount excludes unrealized losses related to non-credit factors.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock', window );">Available-for-sale securities, continuous unrealized loss position, fair value</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the amount of gross unrealized losses for our available-for-sale securities and the estimated fair value for securities having gross unrealized loss positions, categorized by length of time the securities have been in an unrealized loss position:</span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.638%"><tr><td style="width:1.0%"/><td style="width:31.883%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.549%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.549%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.844%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.549%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.549%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.549%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.549%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.303%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Less than 12 months</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12 months or more</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Losses</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage-backed securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,534)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">261,404&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,540)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">36,587&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,074)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">297,991&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Utah Housing Corporation bonds</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">U.S. government-sponsored enterprises and Treasuries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,892)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,199,367&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,892)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,199,367&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other securities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,563)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">132,884&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,563)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">132,884&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(18,989)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,593,655&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,540)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">36,587&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,529)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,630,242&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage-backed securities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(134)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">46,011&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(134)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">46,011&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Utah Housing Corporation bonds</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">U.S. government-sponsored enterprises and Treasuries</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(351)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,441&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(351)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,441&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(485)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,452&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(485)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,452&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock', window );">Amortized cost and fair value of securities by contractual maturities</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, the amortized cost and fair value of securities, by contractual maturities, are summarized below. Contractual maturities versus actual maturities may differ due to the effect of prepayments. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:41.111%"><tr><td style="width:1.0%"/><td style="width:46.197%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.954%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.225%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021</span></div><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year of Maturity </span></div><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Estimated Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2022</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">850,032&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">850,326&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">162,617&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">162,003&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">398,583&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">394,941&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">547,712&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">540,382&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2038</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">74&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2039</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,029&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,120&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2042</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,183&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,175&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2043</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,599&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,797&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2044</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,620&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,881&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2045</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,764&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,968&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2046</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,629&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,818&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2047</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,611&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,822&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2048</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,961&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,025&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2049</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,828&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,458&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2050</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">134,707&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">131,063&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2051</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">178,250&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">174,853&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2053</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">141,251&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">140,260&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2054</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">52,118&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51,985&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,535,568&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,517,956&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of fair value of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in unrealized loss position, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the reconciliation of available-for-sale securities from cost basis to fair value.</p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326844824">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Held for Investment (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>Receivables [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_StudentLoanPortfolioByProgramTableTextBlock', window );">Loans held for investment</a></td>
<td class="text"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans held for investment are summarized as follows:</span></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"><tr><td style="width:1.0%"/><td style="width:57.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.911%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.911%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.679%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Private Education Loans:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,920,547&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,950,216&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable-rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,796,316&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,779,121&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/ (discount)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67,488&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,475&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,158,977)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,355,844)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,625,374&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,436,968&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">695,216&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">737,593&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/ (discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,815&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,993&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,077)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,378)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total FFELP Loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,954&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">735,208&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Credit Cards (fixed-rate)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred origination costs and unamortized premium/ (discount)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">222&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">230&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,281)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,501)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Credit Cards, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,955&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,967&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Loans held for investment, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,341,283&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,183,143&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span></div><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated weighted average life of education loans in our portfolio was approximately 4.7 years and 5.4 years at December&#160;31, 2021 and 2020, respectively. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The average balance and the respective weighted average interest rates of loans in our portfolio are summarized as follows:</span></div><div style="text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.500%"><tr><td style="width:1.0%"/><td style="width:26.201%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.069%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.757%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.058%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.439%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.582%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.439%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.593%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.590%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Weighted Average Interest Rate</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,968,061&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.25&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,426,216&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.42&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,225,473&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.32&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">718,186&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.43&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">757,953&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.76&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">814,198&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.79&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">582,552&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.43&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,141,503&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.09&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,982&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.67&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,390&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6.04)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total portfolio</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,701,229&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,776,111&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,181,174&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansheldforinvestmentbyRegionTableTextBlock', window );">Loans held for investment by Region</a></td>
<td class="text"><div style="margin-top:14pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Held for Investment by Region</span></div><div style="margin-top:9pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2021 and 2020, 38.4 percent and 38.8 percent, respectively,  of total education loans were concentrated in the following states: </span></div><div style="margin-top:9pt;text-align:center;text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:36.944%"><tr><td style="width:1.0%"/><td style="width:43.636%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.679%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.087%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:1.907%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.091%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As of December 31,</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">New York</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.4&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.7&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">California</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pennsylvania</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.8&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">New Jersey</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Texas</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.6&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38.4&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38.8&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">No other state had a concentration of total education loans in excess of 5 percent of the aggregate outstanding education loans held for investment.</span></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="text"><div style="text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Losses Metrics</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.388%"><tr><td style="width:1.0%"/><td style="width:44.340%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.559%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.559%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.553%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.559%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.559%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP&#160;<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private&#160;Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Allowance for Credit Losses</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4,378&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,501&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,361,723&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Transfer from unfunded commitment liability</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">301,655&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">301,655&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Provisions:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Provision for current period</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(233,852)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,124&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(232,708)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Loan sale reduction to provision</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(66,460)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(66,460)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Loans transferred to held-for-sale</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,887&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,887&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Total provisions</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(298,425)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,124&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(297,281)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net charge-offs:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(321)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(229,591)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(356)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(230,268)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">29,494&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">29,506&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(321)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(200,097)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(344)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(200,762)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4,077&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,158,977&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2,281&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,165,335&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:100%">Allowance:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">47,712&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">47,712&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4,077&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,111,265&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2,281&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,117,623&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:100%">Loans:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,057,665&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,057,665&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">695,216&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">19,659,198&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20,379,428&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.06&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1.33&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2.24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending total loan balance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.59&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.59&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">9.12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.74&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">7.47&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">9.12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Allowance coverage of net charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">12.70&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.79&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">6.63&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending total loans, gross</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">695,216&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">545,689&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">15,019,869&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">15,343&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">553,980&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">15,511,212&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr></table></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">See Note 8, &#8220;Unfunded Loan Commitments,&#8221; for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses. </span></div><div style="padding-left:45pt;text-indent:-9pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"><tr><td style="width:1.0%"/><td style="width:74.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.790%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2021 (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loan provisions for credit losses:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for loan losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(298,425)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">264,324&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loan provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(34,101)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Other impacts to the provisions for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,124&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,144&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Provisions for credit losses reported in consolidated statements of income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(32,957)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. </span></div><div style="padding-left:49.5pt;padding-right:49.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.222%"><tr><td style="width:1.0%"/><td style="width:35.044%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.797%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.960%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.948%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.484%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.854%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.101%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private&#160;Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for Credit Losses</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">441,912&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Day 1 adjustment for the adoption of CECL</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,852&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,060,830&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,183&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,143,053&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at January 1, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,485&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,435,130&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,060&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,584,965&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfer from unfunded commitment liability</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320,808&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320,808&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provisions:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for current period</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,673&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,485&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,328&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190,898&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan sale reduction to provision</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(161,793)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42,916)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(204,709)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans transferred to held-for-sale</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205,669)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205,669)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total provisions</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(218,789)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,431)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,328&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(219,480)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205,326)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39,079)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(119)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(245,043)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,021&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,984&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,007&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(181,305)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,095)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(117)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(216,036)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan sales</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(108,534)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(108,534)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,378&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,501&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,361,723&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Allowance:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104,265&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104,265&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,378&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,251,579&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,501&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,257,458&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,274,590&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,274,590&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">737,593&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,454,747&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,204,578&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.09&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.17&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.26&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending total loan balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.59&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.87&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.27&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.76&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.48&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.27&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance coverage of net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.44&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.48&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.83&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending total loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">737,593&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549,584&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,518,851&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,286&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">573,361&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,304,821&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr></table></div><div style="padding-left:9pt;padding-right:36pt;text-indent:-9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">      </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">See Note 8, &#8220;Unfunded Loan Commitments,&#8221; for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses. </span></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"><tr><td style="width:1.0%"/><td style="width:74.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.790%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2020 (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loan provisions for credit losses:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for loan losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(218,789)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">312,613&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loan provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">93,824&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Other impacts to the provisions for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(2,431)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">412&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,328&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(691)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Provisions for credit losses reported in consolidated statements of income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">93,133&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:38.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.014%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2019<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private&#160;Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Allowance for Credit Losses</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">977&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">277,943&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">62,201&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">341,121&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total provision</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,478&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">279,570&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,783&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">353,934&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;Charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(822)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(208,978)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(74,313)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(284,114)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;Recoveries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,765&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,206&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,971&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(822)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(183,213)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(69,107)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(253,143)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">441,912&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:100%">Allowance:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186,697&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186,697&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">187,603&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">255,215&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:100%">Loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,581,966&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,581,966&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">783,306&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,607,625&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,049,007&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,884&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,443,822&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.13&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.17&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.07&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.13&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending total loan balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.21&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.28&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.63&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.26&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.23&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.28&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.63&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance coverage of net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.99&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.04&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.95&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending total loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">783,306&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,189,591&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,049,007&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,884&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">631,029&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,605,927&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,138,887&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">786&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">617,646&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,787,670&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,049,007&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,884&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="margin-top:9pt;padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.</span></div>The tables below summarize the activity in the allowance recorded to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheets, as well as the activity in the unfunded commitments balance. <div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:528.75pt"><tr><td style="width:1.0pt"/><td style="width:119.50pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:54.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:10.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:63.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:9.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:49.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:9.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:66.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:54.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:66.25pt"/><td style="width:1.0pt"/></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:24pt"><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unfunded Commitments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unfunded Commitments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unfunded Commitments</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Beginning Balance</span></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">110,044&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,673,018&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,481&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,910,603&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,165&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,010,744&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:23pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Day 1 adjustment for the adoption of CECL</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">115,758&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Balance at January 1</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">110,044&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,673,018&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">118,239&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,910,603&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,165&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,010,744&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:23pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Provision/New commitments - net</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">232,822&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,512,841&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">311,659&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,070,175&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,937&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,513,790&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other provision items</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31,502&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">954&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">596&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Transfer - funded loans</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(301,655)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,408,883)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(320,808)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,307,760)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,217)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,613,931)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ending Balance</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,713&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,776,976&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">110,044&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,673,018&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,481&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,910,603&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:42.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net of expirations of commitments unused.</span></div><div style="padding-left:42.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">When a loan commitment is funded, its related liability for credit losses (which originally was recorded as a provision for unfunded commitments) is transferred to the allowance for credit losses.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock', window );">Unpaid principal balance and related allowance for TDR loans</a></td>
<td class="text"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December 31, 2021 and 2020, all of our TDR loans had a related allowance recorded. The following table provides the recorded investment, unpaid principal balance, and related allowance for our TDR loans. </span></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:57.361%"><tr><td style="width:1.0%"/><td style="width:31.103%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.010%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.386%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.463%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.481%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.463%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.094%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Recorded Investment</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Unpaid Principal Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Allowance</span></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,093,387&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,057,665&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,712&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,312,805&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,274,590&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">104,265&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AverageRecordedInvestmentAndInterestIncomeRecognizedForTroubledDebtRestructuringLoansTableTextBlock', window );">Average recorded investment and interest income recognized</a></td>
<td class="text">The following table provides the average recorded investment and interest income recognized for our TDR loans.<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.305%"><tr><td style="width:1.0%"/><td style="width:17.186%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.573%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.612%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.953%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.953%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.420%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.420%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.592%"/><td style="width:0.1%"/></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:30pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Recorded Investment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Income Recognized</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Recorded Investment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Income Recognized</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Recorded Investment</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Income Recognized</span></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,220,739&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">84,822&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,546,908&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100,125&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,434,137&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">95,507&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PastDueFinancingReceivablesTableTextBlock', window );">Age analysis of past due loans delinquencies</a></td>
<td class="text"><div style="text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information regarding the loan status and aging of TDR loans. For the periods presented below, we updated our delinquency bucket periods from what we reported in our 2020 Form 10-K to conform with the delinquency bucket periods defined by the Federal Financial Institutions Examination Council (&#8220;FFIEC&#8221;).</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:86.805%"><tr><td style="width:1.0%"/><td style="width:53.940%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.600%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.420%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.600%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.380%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.360%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.420%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.600%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.380%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR loans in in-school/grace/deferment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">80,281&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">88,750&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR loans in forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41,464&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,704&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"> and percentage of each status:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans current</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">832,018&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">88.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">971,880&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">87.7&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans delinquent 30-59 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48,766&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.2&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">59,249&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans delinquent 60-89 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,575&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">43,576&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-indent:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans 90 days or greater past due</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,561&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.6&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34,431&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.1&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total TDR loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">935,920&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,109,136&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total TDR loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,057,665&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,274,590&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period, (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The period of delinquency is based on the number of days scheduled payments are contractually past due.</span></div><div style="text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Delinquencies  - Private Education Loans Held for Investment</span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables provide information regarding the loan status of our Private Education Loans held for investment, by year of origination. Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period (but, for purposes of the following tables, do not include those loans while they are in forbearance). For the periods presented below, we updated our delinquency bucket periods from what we reported in our 2020 Form 10-K to conform with the delinquency bucket periods defined by the FFIEC.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.333%"><tr><td style="width:1.0%"/><td style="width:25.685%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.423%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.423%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.423%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.679%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.977%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.990%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.580%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment - Delinquencies by Origination Vintage</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016 and Prior</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in-school/grace/deferment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,556,550&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,283,523&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">773,320&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">435,657&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">296,008&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">559,356&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,904,414&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">11,951&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">55,844&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">52,364&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">43,613&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">41,355&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">96,110&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">301,237&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in repayment:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans current</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,234,876&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,786,646&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,321,728&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,772,651&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,570,815&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,319,057&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,005,773&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 30-59 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,148&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">29,146&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">46,616&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">43,197&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">41,695&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">132,757&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">308,559&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 60-89 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,194&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">7,441&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,044&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,310&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,425&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">61,533&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">116,947&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans 90 days or greater past due</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">642&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,683&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,453&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">10,632&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">11,935&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">44,588&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">79,933&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,253,860&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,826,916&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,390,841&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,840,790&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,640,870&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,557,935&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,511,212&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,822,361&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,166,283&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,216,525&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,320,060&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,978,233&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,213,401&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">22,169&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,067&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,575&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,918&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,588&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,171&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">67,488&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,844,530&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,182,350&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,226,100&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,325,978&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,982,821&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,222,572&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,784,351&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans allowance for losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(248,102)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(239,507)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(195,223)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(129,678)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(99,982)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(246,485)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,158,977)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,596,428&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,942,843&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,030,877&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,196,300&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,882,839&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,976,087&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,625,374&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">59.0 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">67.9 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">74.3 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">79.3 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">82.9 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">87.4 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">74.9 %</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">0.8 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.4 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.9 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.7 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.3 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.2 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.3 %</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of loans in repayment and forbearance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">0.5 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.9 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.1 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.3 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.5 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.1 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.9 %</span></td></tr></table></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">The period of delinquency is based on the number of days scheduled payments are contractually past due.</span></div><div style="text-align:center;text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.388%"><tr><td style="width:1.0%"/><td style="width:24.836%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.808%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.952%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.952%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.952%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.952%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.952%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.952%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.718%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment -  Delinquencies by Origination Vintage</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2015 and Prior</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in-school/grace/deferment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)(2)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,374,085&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,330,175&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">733,824&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">508,478&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">327,763&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">504,715&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,779,040&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,159&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">92,677&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">110,319&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">118,946&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">109,073&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">198,302&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">645,476&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans current</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,043,033&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,573,228&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,045,012&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,850,539&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,685,572&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,701,564&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13,898,948&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 30-59 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,400&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,983&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">26,934&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">30,771&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">33,040&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">91,400&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">205,528&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 60-89 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,628&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,143&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,026&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,121&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,064&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">55,661&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">119,643&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans 90 days or greater past due</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">460&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,642&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,396&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12,939&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,710&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">38,555&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">80,702&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,052,521&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,603,996&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,096,368&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,912,370&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,752,386&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,887,180&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,304,821&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,442,765&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,026,848&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,940,511&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,539,794&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,189,222&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,590,197&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">21,129&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13,933&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,671&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,708&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,721&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">7,313&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">63,475&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,463,894&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,040,781&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,949,182&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,546,502&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,194,943&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,597,510&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,792,812&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans allowance for losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(210,875)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(298,776)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(218,136)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(184,265)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(150,150)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(293,642)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,355,844)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,253,019&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,742,005&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,731,046&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,362,237&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,044,793&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,303,868&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,436,968&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">59.6&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">64.7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">71.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">75.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">80.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">84.7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">72.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">0.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of loans in repayment and forbearance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">0.8&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.4&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.9&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.9&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.9&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">For some students, going back to school in the fall of 2020 was not an option because of the pandemic, or for other reasons. Therefore, some students  took a &#8220;gap year&#8221; before returning to school. In 2020, for those students that had unexpectedly separated from school, we provided an extension of time through fall 2021 to re-enroll, before beginning their grace period that occurs prior to entering full principal and interest repayment status. At December 31, 2020, the loans in the &#8220;in-school/grace/deferment&#8221; category above include $401&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. At December 31, 2020, the loans in the &#8220;in forbearance&#8221; category above include $30&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. At December 31, 2020, the loans in the &#8220;in repayment&#8221; category above include $609&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. This program ended in September 2021.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">The period of delinquency is based on the number of days scheduled payments are contractually past due.</span></div><div style="text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.000%"><tr><td style="width:1.0%"/><td style="width:25.215%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.823%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.412%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment - Delinquencies by Origination Vintage</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2019 <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2015</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2014 and Prior</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in-school/grace/deferment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,670,644&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,580,513&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,010,764&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">635,798&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">375,585&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">414,101&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,687,405&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">21,009&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">108,509&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">142,341&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">146,114&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">127,799&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">168,744&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">714,516&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in repayment:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans current</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,340,221&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,159,878&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,781,132&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,566,815&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,225,721&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,241,884&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,315,651&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 30-59 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">11,152&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">26,096&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">44,382&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">51,656&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">54,559&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100,206&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">288,051&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans delinquent 60-89 days</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,087&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,527&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">17,048&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">21,161&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">24,562&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">45,917&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">121,302&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans 90 days or greater past due</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">935&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,850&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">7,818&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12,314&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12,946&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">24,803&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">62,666&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,355,395&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,199,351&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,850,380&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,651,946&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,317,788&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,412,810&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,787,670&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,047,048&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,888,373&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,003,485&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,433,858&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,821,172&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,995,655&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">23,189,591&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans deferred origination costs and unamortized premium/(discount)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">23,661&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">17,699&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13,843&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12,304&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,564&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,153&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">81,224&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,070,709&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,906,072&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,017,328&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,446,162&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,829,736&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,000,808&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">23,270,815&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans allowance for losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(3,013)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(19,105)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(44,858)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(71,598)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(80,974)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(154,752)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(374,300)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loans, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,067,696&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,886,967&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,972,470&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,374,564&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,748,762&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,846,056&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">22,896,515&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">58.2 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">65.4 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">71.2 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">77.2 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">82.2 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">85.4 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">72.4 %</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">0.6 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.2 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.4 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.2 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.0 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.0 %</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.8 %</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Loans in forbearance as a percentage of loans in repayment and forbearance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">0.9 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.3 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.8 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.2 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5.2 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.7 %</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4.1 %</span></td></tr></table></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.</span></div><div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt">The period of delinquency is based on the number of days scheduled payments are contractually past due.</span></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ModifiedLoansAccountsForTroubledDebtRestructuringTableTextBlock', window );">Modified loans accounts for troubled debt restructuring</a></td>
<td class="text"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides the amount of modified loans (which include forbearance and reductions in interest rates) that became TDRs in the periods presented. Additionally, for the periods presented, the table summarizes charge-offs occurring in the TDR portfolio, as well as TDRs for which a payment default occurred in the relevant period presented and within 12 months of the loan first being designated as a TDR. We define payment default as 60 days past due for this disclosure. </span></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.416%"><tr><td style="width:1.0%"/><td style="width:12.291%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.779%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.964%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.964%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.051%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.652%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.964%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.469%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.070%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.070%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.905%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.663%"/><td style="width:0.1%"/></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Modified Loans</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Charge-offs</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment-Default</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Modified Loans</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Charge-offs</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment-Default</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Modified Loans</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Charge-offs</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Payment-Default</span></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">TDR Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,410&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">64,682&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,626&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">207,001&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71,267&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">75,153&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">515,398&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">74,137&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">111,810&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div>(1)   Represents the principal balance of loans that have been modified during the period and resulted in a TDR.<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Private education loan portfolio stratified by key credit quality indicators</a></td>
<td class="text">The following tables highlight the gross principal balance of our Private Education Loan portfolio (held for investment), by year of origination, stratified by key credit quality indicators. <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.500%"><tr><td style="width:1.0%"/><td style="width:17.969%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.550%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.059%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.052%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.560%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment - Credit Quality Indicators</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year of Origination</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016 and Prior</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">% of Balance</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Cosigners:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">With cosigner</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,263,892&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,604,553&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,778,262&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,025,463&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,765,719&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,753,775&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,191,664&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">88&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Without cosigner</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">558,469&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">561,730&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">438,263&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">294,597&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">212,514&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">459,626&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,525,199&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,822,361&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,166,283&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,216,525&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,320,060&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,978,233&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,213,401&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FICO at Origination</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Less than 670</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">248,368&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">238,005&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">251,157&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">193,123&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">166,048&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">428,416&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,525,117&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">670-699</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">508,264&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">564,497&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">493,237&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">363,313&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">329,807&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">884,981&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,144,099&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">700-749</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,210,833&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,348,269&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,057,001&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">770,452&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">660,270&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,753,709&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,800,534&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">33&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Greater than or equal to 750</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,854,896&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,015,512&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,415,130&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">993,172&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">822,108&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,146,295&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,247,113&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">45&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,822,361&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,166,283&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,216,525&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,320,060&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,978,233&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,213,401&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:11pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FICO Refreshed</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Less than 670</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">326,613&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">279,578&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">273,652&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">235,684&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">233,022&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">739,268&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,087,817&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">670-699</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">506,021&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">475,674&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">365,133&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">256,400&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">209,536&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">570,605&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,383,369&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">700-749</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,209,493&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,285,015&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">978,763&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">682,024&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">568,766&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,448,692&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,172,753&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Greater than or equal to 750</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,780,234&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,126,016&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,598,977&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,145,952&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">966,909&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,454,836&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">10,072,924&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">48&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,822,361&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,166,283&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,216,525&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,320,060&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,978,233&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,213,401&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Seasoning</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1-12 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,265,811&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">594,850&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">515,328&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">385,246&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">340,242&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">501,269&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,602,746&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13-24 payments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,287,737&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">362,674&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">203,674&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">211,064&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">479,540&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,544,689&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">25-36 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">173&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,565,203&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">312,049&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">164,575&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">482,369&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,524,369&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">37-48 payments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">983,434&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">295,206&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">464,563&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,743,203&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">More than 48 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">671,138&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,726,304&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,397,442&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Not yet in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,556,550&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,283,523&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">773,320&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">435,657&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">296,008&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">559,356&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,904,414&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,822,361&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,166,283&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,216,525&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,320,060&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,978,233&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,213,401&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2021 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">gross charge-offs</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,183)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(8,604)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(23,866)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(32,741)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(37,186)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(126,011)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(229,591)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2021 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> recoveries</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">35&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">540&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,092&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,693&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,450&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,684&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">29,494&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2021 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> net charge-offs</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,148)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(8,064)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(21,774)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(29,048)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(32,736)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(107,327)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(200,097)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total accrued interest by origination vintage</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">109,233&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">247,418&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">270,242&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">198,816&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">131,685&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">229,729&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,187,123&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="51" rowspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-top:3pt;padding-left:24.75pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Balance represents gross Private Education Loans held for investment.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Represents the higher credit score of the cosigner or the borrower.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Represents the FICO score updated as of the fourth-quarter 2021.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was due.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt">Current period refers to period from January 1, 2021 through December 31, 2021.</span></div></td></tr><tr style="height:23pt"><td colspan="51" style="display:none"/></tr><tr style="height:26pt"><td colspan="51" style="display:none"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.500%"><tr><td style="width:1.0%"/><td style="width:17.969%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.550%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.059%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.052%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.560%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Private Education Loans Held for Investment -  Credit Quality Indicators</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year of Origination</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2018</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2017</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2016</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2015 and Prior</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Total</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">% of Balance</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Cosigners:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">With cosigner</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,915,328&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,467,219&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,556,400&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,262,635&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,977,952&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,198,748&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">17,378,282&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">88&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Without cosigner</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">527,437&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">559,629&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">384,111&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">277,159&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">211,270&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">391,449&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,351,055&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,442,765&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,026,848&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,940,511&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,539,794&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,189,222&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,590,197&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FICO at Origination</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Less than 670</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">195,214&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">290,711&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">225,276&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">197,948&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">162,413&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">369,609&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,441,171&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">670-699</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">464,785&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">594,950&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">441,357&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">407,394&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">351,303&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">771,477&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,031,266&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">700-749</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,111,373&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,310,390&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">967,802&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">846,983&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">740,028&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,533,517&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,510,093&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">33&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Greater than or equal to 750</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,671,393&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,830,797&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,306,076&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,087,469&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">935,478&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,915,594&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,746,807&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">44&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,442,765&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,026,848&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,940,511&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,539,794&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,189,222&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,590,197&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FICO Refreshed</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Less than 670</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">240,154&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">331,229&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">301,784&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">298,195&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">293,077&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">734,599&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,199,038&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">670-699</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">438,665&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">493,135&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">336,966&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">283,906&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">231,759&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">504,779&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,289,210&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">700-749</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,102,666&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,248,806&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">871,677&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">734,222&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">603,160&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,220,468&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,780,999&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Greater than or equal to 750</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,661,280&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,953,678&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,430,084&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,223,471&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,061,226&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,130,351&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,460,090&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">48&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,442,765&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,026,848&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,940,511&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,539,794&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,189,222&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,590,197&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:11pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Seasoning</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1-12 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,068,517&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">600,038&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">469,143&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">472,258&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">381,197&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">507,343&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,498,496&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">23&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13-24 payments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">163&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,096,635&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">383,977&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">223,332&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">217,379&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">425,345&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,346,831&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">25-36 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,353,567&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">370,250&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">181,940&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">439,337&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,345,094&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">37-48 payments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">965,476&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">351,433&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">402,552&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,719,461&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">More than 48 payments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">729,510&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,310,905&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,040,415&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Not yet in repayment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,374,085&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,330,175&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">733,824&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">508,478&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">327,763&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">504,715&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,779,040&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,442,765&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,026,848&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,940,511&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,539,794&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,189,222&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,590,197&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2020 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">gross charge-offs</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,087)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(10,940)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(27,000)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(35,851)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(36,416)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(94,032)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(205,326)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2020 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> recoveries</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">42&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">636&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,274&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,585&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,284&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">13,200&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">24,021&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2020 Current period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> net charge-offs</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,045)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(10,304)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(24,726)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(32,266)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(32,132)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(80,832)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(181,305)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total accrued interest by origination vintage</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">90,438&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">265,688&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">252,251&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">209,178&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">141,094&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">210,247&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,168,896&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="51" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:3pt;padding-left:24.75pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Balance represents gross Private Education Loans held for investment.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Represents the higher credit score of the cosigner or the borrower.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Represents the FICO score updated as of the fourth-quarter 2020.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was due.</span></div><div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt">Current period refers to period from January 1, 2020 through December 31, 2020.</span></div></td></tr></table><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AccruedInterestReceivableTableTextBlock', window );">Accrued interest receivable</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information regarding accrued interest receivable on our Private Education Loans. The table also discloses the amount of accrued interest on loans 90 days and greater past due as compared to our allowance for uncollectible interest on loans making full interest payments. The majority of the total accrued interest receivable represents accrued interest on deferred loans where no payments are due while the borrower is in school and fixed-pay loans where the borrower makes a $25 monthly payment that is smaller than the interest accruing on the loan in that month. The accrued interest on these loans will be capitalized to the balance of the loans when the borrower exits the grace period after separation from school. The allowance for this portion of interest is included in our loan loss reserve. The allowance for uncollectible interest exceeds the amount of accrued interest on our 90 days past due Private Education Loan portfolio for all periods presented.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.055%"><tr><td style="width:1.0%"/><td style="width:40.048%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.996%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.321%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.996%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.321%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.996%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.322%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private Education Loans</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Accrued Interest Receivable</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Interest<br/>Receivable</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">90 Days and Greater <br/>Past Due</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for<br/>Uncollectible<br/>Interest</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2021</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,187,123&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,635&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,937&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,168,895&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,354&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,467&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Accrued interest receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Average Recorded Investment And Interest Income Recognized For Troubled Debt Restructuring Loans [Table Text Block]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Modified Loans Accounts For Troubled Debt Restructuring [Table Text Block]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919230-210447<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 29<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953659-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of impaired financing receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PastDueFinancingReceivablesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of aging analysis for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919253-210447<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953401-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922355-210448<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5111-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Unfunded Loan Commitments (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Allowance for credit losses and recorded investments in loans</a></td>
<td class="text"><div style="text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Losses Metrics</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.388%"><tr><td style="width:1.0%"/><td style="width:44.340%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.559%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.121%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.559%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.553%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.559%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.559%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.456%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP&#160;<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private&#160;Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Allowance for Credit Losses</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4,378&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,501&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,361,723&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Transfer from unfunded commitment liability</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">301,655&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">301,655&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Provisions:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Provision for current period</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(233,852)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,124&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(232,708)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Loan sale reduction to provision</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(66,460)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(66,460)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Loans transferred to held-for-sale</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,887&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,887&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Total provisions</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(298,425)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,124&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(297,281)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net charge-offs:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(321)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(229,591)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(356)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(230,268)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">29,494&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">29,506&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(321)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(200,097)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(344)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(200,762)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4,077&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,158,977&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2,281&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,165,335&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:100%">Allowance:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">47,712&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">47,712&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4,077&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,111,265&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2,281&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,117,623&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:100%">Loans:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,057,665&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,057,665&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">695,216&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">19,659,198&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20,379,428&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.06&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1.33&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2.24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending total loan balance</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.59&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.59&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">9.12&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.74&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">7.47&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">9.12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Allowance coverage of net charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">12.70&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.79&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">6.63&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending total loans, gross</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">695,216&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">545,689&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">15,019,869&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">15,343&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">553,980&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">15,511,212&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">25,014&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr></table></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">See Note 8, &#8220;Unfunded Loan Commitments,&#8221; for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses. </span></div><div style="padding-left:45pt;text-indent:-9pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"><tr><td style="width:1.0%"/><td style="width:74.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.790%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2021 (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loan provisions for credit losses:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for loan losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(298,425)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">264,324&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loan provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(34,101)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Other impacts to the provisions for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,124&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,144&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Provisions for credit losses reported in consolidated statements of income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(32,957)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. </span></div><div style="padding-left:49.5pt;padding-right:49.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.222%"><tr><td style="width:1.0%"/><td style="width:35.044%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.797%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.960%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.948%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.484%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.854%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.101%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private&#160;Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for Credit Losses</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">441,912&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Day 1 adjustment for the adoption of CECL</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,852&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,060,830&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,183&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,143,053&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at January 1, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,485&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,435,130&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,060&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,584,965&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfer from unfunded commitment liability</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320,808&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320,808&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provisions:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for current period</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,673&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,485&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,328&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190,898&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan sale reduction to provision</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(161,793)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42,916)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(204,709)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans transferred to held-for-sale</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205,669)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205,669)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total provisions</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(218,789)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,431)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,328&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(219,480)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205,326)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39,079)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(119)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(245,043)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,021&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,984&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,007&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(181,305)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,095)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(117)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(216,036)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan sales</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(108,534)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(108,534)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,378&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,501&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,361,723&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Allowance:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104,265&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104,265&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,378&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,251,579&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,501&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,257,458&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,274,590&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,274,590&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">737,593&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,454,747&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,204,578&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.09&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.17&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.26&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending total loan balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.59&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.87&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.27&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.76&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.48&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.27&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance coverage of net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.44&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.48&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.83&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending total loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">737,593&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,729,337&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549,584&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,518,851&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,286&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">573,361&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,304,821&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,238&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr></table></div><div style="padding-left:9pt;padding-right:36pt;text-indent:-9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">      </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">See Note 8, &#8220;Unfunded Loan Commitments,&#8221; for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses. </span></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"><tr><td style="width:1.0%"/><td style="width:74.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.790%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2020 (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Private Education Loan provisions for credit losses:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for loan losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(218,789)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Provisions for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">312,613&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Private Education Loan provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">93,824&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Other impacts to the provisions for credit losses:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Personal Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(2,431)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">412&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,328&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(691)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Provisions for credit losses reported in consolidated statements of income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">93,133&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:38.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.014%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2019<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">FFELP<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Private&#160;Education<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Personal<br/>Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Credit Cards</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Allowance for Credit Losses</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Beginning balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">977&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">277,943&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">62,201&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">341,121&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total provision</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,478&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">279,570&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,783&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">353,934&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;Charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(822)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(208,978)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(74,313)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(284,114)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;&#160;&#160;Recoveries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,765&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,206&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,971&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(822)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(183,213)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(69,107)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(253,143)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">374,300&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">441,912&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:100%">Allowance:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186,697&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186,697&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">187,603&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65,877&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">255,215&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:100%">Loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: individually evaluated for impairment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,581,966&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,581,966&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending balance: collectively evaluated for impairment</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">783,306&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,607,625&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,049,007&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,884&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,443,822&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.13&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.17&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.07&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.13&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending total loan balance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.21&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.28&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.63&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance as a percentage of the ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.26&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.23&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.28&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.63&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Allowance coverage of net charge-offs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.99&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.04&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.95&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending total loans, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">783,306&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,189,591&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,049,007&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,884&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">631,029&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,605,927&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,138,887&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">786&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">617,646&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,787,670&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,049,007&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,884&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="margin-top:9pt;padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.</span></div>The tables below summarize the activity in the allowance recorded to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheets, as well as the activity in the unfunded commitments balance. <div style="margin-top:9pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:528.75pt"><tr><td style="width:1.0pt"/><td style="width:119.50pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:54.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:10.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:63.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:9.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:49.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:9.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:66.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:54.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:66.25pt"/><td style="width:1.0pt"/></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:24pt"><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unfunded Commitments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unfunded Commitments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unfunded Commitments</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Beginning Balance</span></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">110,044&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,673,018&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,481&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,910,603&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,165&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,010,744&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:23pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Day 1 adjustment for the adoption of CECL</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">115,758&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Balance at January 1</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">110,044&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,673,018&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">118,239&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,910,603&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,165&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,010,744&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:23pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Provision/New commitments - net</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">232,822&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,512,841&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">311,659&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,070,175&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,937&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,513,790&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other provision items</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31,502&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">954&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">596&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Transfer - funded loans</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(301,655)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,408,883)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(320,808)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,307,760)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,217)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,613,931)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ending Balance</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,713&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,776,976&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">110,044&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,673,018&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,481&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,910,603&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:42.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;  </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net of expirations of commitments unused.</span></div><div style="padding-left:42.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506335625768">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Premises and Equipment, Net (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Property, Plant and Equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentTextBlock', window );">Property, Plant and Equipment</a></td>
<td class="text">The following is a summary of our premises and equipment.<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:51.111%"><tr><td style="width:1.0%"/><td style="width:52.976%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.160%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.736%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.789%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.739%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Land and land improvements</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,356&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,356&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Buildings and leasehold improvements</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">122,300&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">120,971&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Furniture, fixtures, and equipment</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,955&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,272&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Software</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">88,710&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,500&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premises and equipment, gross</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">253,321&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">238,099&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accumulated depreciation</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(102,805)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(83,429)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Premises and equipment, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">150,516&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">154,670&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br></p></div>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506335036936">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>Deposits [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ScheduleofDepositsTableTextBlock', window );">Schedule of deposits</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes total deposits at December 31, 2021 and 2020.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:57.638%"><tr><td style="width:1.0%"/><td style="width:59.863%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.004%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.213%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:1.004%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.216%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits - interest bearing</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,826,692&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,664,899&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits - non-interest bearing</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,432&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,140&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,828,124&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,666,039&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_InterestBearingDepositsTableTextBlock', window );">Interest bearing deposits</a></td>
<td class="text"><div style="margin-top:9pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest bearing deposits at December 31, 2021 and 2020 are summarized as follows:</span></div><div style="margin-top:9pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.000%"><tr><td style="width:1.0%"/><td style="width:38.159%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.974%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.725%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.159%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.725%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.974%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.725%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.163%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year-End Weighted</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Stated Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year-End Weighted</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Stated Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Money market</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,473,569&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.69&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,159,657&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.83&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Savings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">959,122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.43&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">907,976&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.55&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,394,001&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.20&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,597,266&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.34&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deposits - interest bearing</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,826,692&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,664,899&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr></table></div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span>  Includes the effect of interest rate swaps in effective hedge relationships.<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock', window );">Schedule of maturities of time deposits</a></td>
<td class="text"><div style="margin-top:9pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certificates of deposit remaining maturities are summarized as follows:</span></div><div style="margin-top:9pt;text-align:center;text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.305%"><tr><td style="width:1.0%"/><td style="width:57.467%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.337%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.340%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">One year or less</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,407,370&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,728,556&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After one year to two years</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,297,955&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,363,022&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After two years to three years</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,299,461&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,603,229&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After three years to four years</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">299,737&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">553,911&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After four years to five years</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,042,065&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">300,346&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">After five years</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,413&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48,202&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,394,001&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,597,266&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>[Table Text Block] for Interest Bearing Deposits [Table]</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Schedule of Maturities of Time Deposits [Table Text Block]</p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506336369240">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtDisclosureAbstract', window );"><strong>Debt Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDebtTableTextBlock', window );">Secured borrowings</a></td>
<td class="text">The following table summarizes our secured borrowings at December 31, 2021 and 2020. <table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.583%"><tr><td style="width:1.0%"/><td style="width:26.946%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.472%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.060%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.206%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.060%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.206%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.506%"/><td style="width:0.1%"/></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unsecured borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unsecured debt (fixed-rate)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total unsecured borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Secured borrowings:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,897,996&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,897,996&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,261,233&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,261,233&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable-rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,046,856&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,046,856&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,235,105&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,235,105&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Private Education Loan term securitizations</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,944,852&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,944,852&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total secured borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,944,852&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,944,852&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,930,990&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,930,990&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,189,217&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,189,217&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShortTermDebtTextBlock', window );">Short-term borrowings</a></td>
<td class="text">The following table summarizes the outstanding short-term borrowings, the weighted average interest rates at the end of the period, and the related average balance and weighted average interest rates during the period. The Secured Borrowing Facility&#8217;s contractual maturity is two years from the date of inception or renewal (one-year revolving period plus a one-year amortization period); however, we classify advances under our Secured Borrowing Facility as short-term borrowings because it is our intention to repay those advances within one year. The 5.125 percent unsecured Senior Notes due April 5, 2022, which we redeemed in the fourth quarter of 2021, were classified as short-term borrowings in April of 2021, and are included in the table below. <div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.305%"><tr><td style="width:1.0%"/><td style="width:38.273%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.232%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.623%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.239%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended<br/>December 31, 2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Short-term borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unsecured Debt</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">122,396&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.78&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total short-term borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">122,396&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.78&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Maximum outstanding at any month end</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">199,651&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr></table></div><div style="margin-top:9pt;padding-left:27pt;padding-right:27pt;text-align:center;text-indent:-4.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:83.750%"><tr><td style="width:1.0%"/><td style="width:37.871%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.629%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.327%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.629%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.327%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.629%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.327%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.629%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.332%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended<br/>December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Rate</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Short-term borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">45,820&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24.99&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Maximum outstanding at any month end</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">289,230&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div>(1)The interest for the non-use fees is calculated based on the Secured Borrowing Facility&#8217;s maximum borrowing limit, which was $2&#160;billion in both 2021 and 2020.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDebtInstrumentsTextBlock', window );">Long-term borrowings</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the outstanding long-term borrowings, the weighted average interest rates at the end of the period and the related average balance during the period. Rates reflect stated interest of borrowings and related discounts and premiums. The long-term borrowings amortize over time and mature serially from 2025 to 2053. </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.638%"><tr><td style="width:1.0%"/><td style="width:25.365%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.592%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.468%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.592%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.676%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.592%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.468%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.468%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.592%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.676%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.592%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.476%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended<br/>December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended<br/>December 31, 2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ending Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average<br/>Interest Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Average Balance</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Floating-rate borrowings</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,046,857&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.05&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,073,042&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,235,105&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.09&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,432,446&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed-rate borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,884,133&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,094,640&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,954,112&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.08&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,316,425&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total long-term borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,930,990&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.37&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,167,682&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,189,217&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.60&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,748,871&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock', window );">Schedule of Maturities of Long-term Debt</a></td>
<td class="text"><div style="text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, the stated maturity and maturity to call date of our brokered deposits and borrowings are summarized below. </span></div><div><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:13.483%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.205%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.883%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.066%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.205%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.767%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021 <br/>(dollars in thousands)</span></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Stated Maturity</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Maturity to Call Date</span></td></tr><tr style="height:23pt"><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Brokered Deposits</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unsecured Debt</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Secured Borrowings</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Brokered Deposits</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unsecured Debt</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Secured Borrowings</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year of Maturity</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2022</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,918,335&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">718,153&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,636,488&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,918,335&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">718,153&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,636,488&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,033,829&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">698,078&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,731,907&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,033,829&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">698,078&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,731,907&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,236,522&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">687,600&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,924,122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,236,522&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">687,600&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,924,122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">270,174&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">500,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">648,315&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,418,489&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">270,174&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">500,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">648,315&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,418,489&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,033,313&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">500,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">618,380&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,151,693&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,033,313&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">500,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">618,380&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,151,693&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2027 and after</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,401&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,750,502&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,797,903&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,401&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,750,502&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,797,903&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,539,574&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,000,000&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,121,028&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,660,602&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,539,574&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,000,000&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,121,028&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,660,602&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Hedge accounting adjustments</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,426&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,426&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,426&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,426&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,573,000&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,000,000&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,121,028&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,694,028&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,573,000&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,000,000&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,121,028&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,694,028&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:9pt;padding-left:18pt;text-indent:-4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">We view our securitization trust debt as long-term based on the contractual maturity dates and projected principal paydowns based on our current estimates regarding loan prepayment speeds. The projected principal paydowns in year 2022 include $718 million related to the securitization trust debt.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock', window );">Secured financing</a></td>
<td class="text"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Secured Financings</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following summarizes our secured financings issued in 2020 and 2021:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.333%"><tr><td style="width:1.0%"/><td style="width:24.057%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.586%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.038%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.586%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.579%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.586%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:26.101%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.586%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.581%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Issue</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Date Issued</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Issued</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average </span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cost of Funds</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average Life<br/>(in years)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="9" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Private Education Loans:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2020-A</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">636,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus 0.88%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.18</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2020-B</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">August 2020</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">707,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus 1.30%</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.14</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total notes issued in 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,343,000&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="9" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loan and accrued interest amount securitized at inception in 2020</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,463,230&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2021-B</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">May 2021</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">531,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus 0.77%</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.26</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2021-D</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">August 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">527,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus 0.69%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.22</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2021-E</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">November 2021</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">534,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1-month LIBOR plus 0.69%</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.15</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total notes issued in 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,592,000&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr style="height:8pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total loan and accrued interest amount securitized at inception in 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,656,263&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">              </span></div><div style="margin-top:9pt;padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> Represents LIBOR equivalent cost of funds for floating and fixed-rate bonds, excluding issuance costs. </span></div>(2) At December 31, 2021, $1.11&#160;billion of our Private Education Loans, including $1.05&#160;billion of principal and $62&#160;million in capitalized interest, were encumbered related to the 2020 transactions.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock', window );">Schedule of variable interest entities</a></td>
<td class="text">We consolidate our financing entities that are VIEs as a result of our being the entities&#8217; primary beneficiary. As a result, these financing VIEs are accounted for as secured borrowings. <div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.555%"><tr><td style="width:1.0%"/><td style="width:18.231%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.398%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.510%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.526%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.510%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.526%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.510%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.526%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.510%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.526%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.510%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.526%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.946%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.526%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.519%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2021<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Debt Outstanding</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Amount of Assets Securing Debt Outstanding</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Restricted Cash</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Assets</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,994,852&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,994,852&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,029,034&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">210,741&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">357,982&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,597,757&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">867&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">867&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,994,852&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,994,852&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,029,034&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">210,741&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">358,849&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,598,624&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.833%"><tr><td style="width:1.0%"/><td style="width:18.175%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.394%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.479%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.524%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.479%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.814%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.479%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.524%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.479%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.524%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.479%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.524%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.914%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.524%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.488%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2020 <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Debt Outstanding</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Amount of Assets Securing Debt Outstanding</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Short-Term</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-Term</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loans</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Restricted Cash</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Other Assets</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured borrowings:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,661,123&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">154,417&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">356,967&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,172,507&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Secured Borrowing Facility</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">436&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">436&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,496,338&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,661,123&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">154,417&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">357,403&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,172,943&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:9pt;padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets primarily represent accrued interest receivable.</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below provides a summary of our exposure related to our unconsolidated VIEs.</span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.166%"><tr><td style="width:1.0%"/><td style="width:23.487%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.120%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.616%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.780%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.461%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.285%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.966%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.035%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.626%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.285%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.626%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.298%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Debt Interests</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Equity Interests</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Exposure</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Debt Interests</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Equity Interests</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Exposure</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loan term securitizations</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">192,245&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,465&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">229,710&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,908&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,923&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of information pertaining to short-term and long-debt instruments or arrangements, including but not limited to identification of terms, features, collateral requirements and other information necessary to a fair presentation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of maturity and sinking fund requirement for long-term debt.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of  securities financing transactions including resale and repurchase agreements, securities borrowed and lending transactions, securities received as collateral and obligations to return securities received as collateral.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1A<br> -URI http://asc.fasb.org/extlink&amp;oid=109249958&amp;loc=SL6224234-111729<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225877-175312<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of short-term debt arrangements (having initial terms of repayment within one year or the normal operating cycle, if longer) including: (1) description of the short-term debt arrangement; (2) identification of the lender or type of lender; (3) repayment terms; (4) weighted average interest rate; (5) carrying amount of funds borrowed under the specified short-term debt arrangement as of the balance sheet date; (6) description of the refinancing of a short-term obligation when that obligation is excluded from current liabilities in the balance sheet; and (7) amount of a short-term obligation that has been excluded from current liabilities in the balance sheet because of a refinancing of the obligation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the significant judgments and assumptions made in determining whether a variable interest (as defined) held by the entity requires the variable interest entity (VIE) (as defined) to be consolidated and (or) disclose information about its involvement with the VIE, individually or in aggregate (as applicable); the nature of restrictions, if any, on the consolidated VIE's assets and on the settlement of its liabilities reported by an entity in its statement of financial position, including the carrying amounts of such assets and liabilities; the nature of, and changes in, the risks associated with involvement in the VIE; how involvement with the VIE affects the entity's financial position, financial performance, and cash flows; the lack of recourse if creditors (or beneficial interest holders) of the consolidated VIE have no recourse to the general credit of the primary beneficiary (if applicable); the terms of arrangements, giving consideration to both explicit arrangements and implicit variable interests, if any, that could require the entity to provide financial support to the VIE, including events or circumstances that could expose the entity to a loss; the methodology used by the entity for determining whether or not it is the primary beneficiary of the variable interest entity; the significant factors considered and judgments made in determining that the power to direct the activities of a VIE that most significantly impact the VIE's economic performance are shared (as defined); the carrying amounts and classification of assets and liabilities of the VIE included in the statement of financial position; the entity's maximum exposure to loss, if any, as a result of its involvement with the VIE, including how the maximum exposure is determined and significant sources of the entity's exposure to the VIE; a comparison of the carrying amounts of the assets and liabilities and the entity's maximum exposure to loss; information about any liquidity arrangements, guarantees, and (or) other commitments by third parties that may affect the fair value or risk of the entity's variable interest in the VIE; whether or not the entity has provided financial support or other support (explicitly or implicitly) to the VIE that it was not previously contractually required to provide or whether the entity intends to provide that support, including the type and amount of the support and the primary reasons for providing the support; and supplemental information the entity determines necessary to provide.</p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506333864344">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative Financial Instruments (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock', window );">Impact of derivatives on the consolidated balance sheet</a></td>
<td class="text"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables summarize the fair values and notional amounts of all derivative instruments at December&#160;31, 2021 and 2020, and their impact on earnings and other comprehensive income for the years ended December&#160;31, 2021, 2020, and 2019. </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Impact of Derivatives on the Consolidated Balance Sheets</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.944%"><tr><td style="width:1.0%"/><td style="width:15.948%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.349%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.946%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.495%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.507%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Cash Flow Hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fair Value Hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Trading</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Values</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Hedged Risk Exposure</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:700;line-height:100%">Derivative Assets:</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.52pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest rate swaps</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">594&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">135&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,317&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,317&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:700;line-height:100%">Derivative Liabilities:</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.52pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest rate swaps </span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(231)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(21)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total net derivatives</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(231)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(21)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">594&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">135&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,070&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">442&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">    </span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt">Fair values reported include variation margin as legal settlement of the derivative contract. Assets and liabilities are presented without consideration of master netting agreements. Derivatives are carried on the balance sheet based on net position by counterparty under master netting agreements and classified in other assets or other liabilities depending on whether in a net positive or negative position.</span></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt">The following table reconciles gross positions with the impact of master netting agreements to the balance sheet classification:</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:69.305%"><tr><td style="width:1.0%"/><td style="width:36.374%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.531%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Other Assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Other Liabilities</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Gross position</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Impact of master netting agreement</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(176)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">176&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Derivative values with impact of master netting agreements (as carried on balance sheet)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,317&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">553&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(247)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Cash collateral pledged</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">9,655&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">42,874&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Net position</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">10,972&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">43,427&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(247)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">__________</span></div><div style="padding-left:49.5pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:0.45pt">Gross position amounts include accrued interest and variation margin as legal settlement of the derivative contract. </span></div>(2)Cash collateral pledged excludes amounts that represent legal settlement of the derivative contracts.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffsettingAssetsTableTextBlock', window );">Offsetting assets</a></td>
<td class="text">The following table reconciles gross positions with the impact of master netting agreements to the balance sheet classification:<div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:69.305%"><tr><td style="width:1.0%"/><td style="width:36.374%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.531%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Other Assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Other Liabilities</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Gross position</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Impact of master netting agreement</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(176)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">176&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Derivative values with impact of master netting agreements (as carried on balance sheet)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,317&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">553&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(247)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Cash collateral pledged</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">9,655&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">42,874&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Net position</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">10,972&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">43,427&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(247)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">__________</span></div><div style="padding-left:49.5pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:0.45pt">Gross position amounts include accrued interest and variation margin as legal settlement of the derivative contract. </span></div>(2)Cash collateral pledged excludes amounts that represent legal settlement of the derivative contracts.<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffsettingLiabilitiesTableTextBlock', window );">Offsetting liabilities</a></td>
<td class="text">The following table reconciles gross positions with the impact of master netting agreements to the balance sheet classification:<div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:69.305%"><tr><td style="width:1.0%"/><td style="width:36.374%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.802%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.531%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Other Assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Other Liabilities</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Gross position</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Impact of master netting agreement</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(176)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">176&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Derivative values with impact of master netting agreements (as carried on balance sheet)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,317&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">553&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(247)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Cash collateral pledged</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">9,655&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">42,874&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Net position</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">10,972&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">43,427&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(247)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">__________</span></div><div style="padding-left:49.5pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:0.45pt">Gross position amounts include accrued interest and variation margin as legal settlement of the derivative contract. </span></div>(2)Cash collateral pledged excludes amounts that represent legal settlement of the derivative contracts.<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock', window );">Schedule of notional amounts of outstanding derivative positions</a></td>
<td class="text"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.888%"><tr><td style="width:1.0%"/><td style="width:13.692%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.131%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.367%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.959%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.959%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.811%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.219%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.967%"/><td style="width:0.1%"/></tr><tr><td colspan="51" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional Values</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash Flow</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Trading</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,438,144&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,018,976&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,915,999&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,845,543&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">181,953&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,693,364&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,536,096&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,557,883&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,053,760&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,053,760&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net total notional</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,438,144&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,018,976&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,915,999&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,845,543&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,235,713&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,693,364&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,589,856&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,557,883&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock', window );">Schedule of Fair Value Hedging Instruments, Statements of Financial Performance and Financial Position, Location</a></td>
<td class="text"><div style="margin-top:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2021 and 2020, the following amounts were recorded on the consolidated balance sheet related to cumulative basis adjustments for fair value hedges:</span></div><div style="margin-top:6pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.666%"><tr><td style="width:1.0%"/><td style="width:38.211%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.705%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.849%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.705%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.849%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.973%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.849%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.705%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.854%"/><td style="width:0.1%"/></tr><tr style="height:45pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)<br/></span><span style="font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"><br/></span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Line Item in the Balance Sheet in Which the Hedged Item is Included:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Amount of the Hedged Assets/(Liabilities)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,963,268)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,992,867)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(50,784)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(154,235)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDerivativesInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock', window );">Schedule of derivative instruments performance and location</a></td>
<td class="text"><div style="padding-left:72pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Impact of Derivatives on the Consolidated Statements of Income</span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:72.638%"><tr><td style="width:1.0%"/><td style="width:47.274%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.285%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.769%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.756%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.387%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.756%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.773%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Fair Value Hedges</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="21" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest rate swaps:</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest recognized on derivatives</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">85,850&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71,668&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,806)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Hedged items recorded in interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">103,450&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(91,087)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(77,350)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivatives recorded in interest expense</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(103,431)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">91,419&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">77,177&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">85,869&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,000&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,979)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Cash Flow Hedges</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest rate swaps:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Amount of gain (loss) reclassified from accumulated other comprehensive income into interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,852)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16,000)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,299&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total </span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,852)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16,000)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,299&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline">Trading</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest rate swaps:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in fair value of future interest payments recorded in earnings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(23,216)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,164&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,469&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(23,216)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,164&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,469&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41,801&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,164&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,789&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock', window );">Schedule of derivative instruments, effect on other comprehensive income (loss)</a></td>
<td class="text"><div style="padding-left:36pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Impact of Derivatives on the Statements of Changes in Stockholders&#8217; Equity</span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.694%"><tr><td style="width:1.0%"/><td style="width:55.139%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.906%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.352%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.028%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.355%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Amount of gain (loss) recognized in other comprehensive income (loss)</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,259&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(52,511)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(36,115)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: Amount of gain (loss) reclassified in interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,852)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16,000)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,299&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total change in other comprehensive income (loss) for unrealized gains (losses) on derivatives, before income tax (expense) benefit</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48,111&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(36,511)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(38,414)</span></td><td style="background-color:#ededee;border-bottom:3pt double 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of derivative and other financial assets that are subject to offsetting, including master netting arrangements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225877-175312<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of derivative and other financial liabilities that are subject to offsetting, including master netting arrangements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225877-175312<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of accumulated other comprehensive income (loss).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6450520&amp;loc=d3e32583-110901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669686-108580<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 45<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=118261656&amp;loc=d3e32211-110900<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the location and fair value amounts of derivative instruments (and nonderivative instruments that are designated and qualify as hedging instruments) reported in the statement of financial position.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4B<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5624163-113959<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of derivative instruments (including nonderivative instruments that are designated and qualify as hedging instruments) of (a) the location and amount of gains and losses reported in the statement of financial performance and (b) the location and fair value amounts of the instruments reported in the statement of financial position.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4A<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5618551-113959<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure for fair value hedging instruments of (a) the location and amount of gains and losses reported in the statement of financial performance and (b) the location and fair value amounts of the instruments reported in the statement of financial position.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5624171-113959<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the notional amounts of outstanding derivative positions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5579245-113959<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327020616">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stockholders' Equity (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityAbstract', window );"><strong>Equity [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfTreasuryStockByClassTextBlock', window );">Class of Treasury Stock</a></td>
<td class="text"><div style="margin-top:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes our common share repurchases and issuances associated with these programs.</span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.166%"><tr><td style="width:1.0%"/><td style="width:54.514%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.707%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.378%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.707%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.080%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.937%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years Ended December 31, <br/>(shares and per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common stock repurchased under repurchase programs</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)(2)(3)</span></div></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">98,748,905&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,736,847&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,962,199&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average purchase price per share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.37&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.66&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.86&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Shares repurchased related to employee stock-based compensation plans</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(5)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,368,942&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,197,843&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,369,630&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Average purchase price per share</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.70&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.93&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.85&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common shares issued</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(6)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,786,581&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,129,325&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,743,705&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:1pt;padding-left:244.12pt;padding-right:244.12pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4pt;font-weight:400;line-height:120%">&#160;</span></div><div style="margin-top:4.5pt;padding-left:78.75pt;padding-right:36pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160; </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Common shares purchased under our share repurchase programs. There was $38 million of capacity remaining under the 2021 Share Repurchase Program at December 31, 2021. </span></div><div style="margin-top:4.5pt;padding-left:78.75pt;padding-right:36pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160; &#160;&#160;&#160;&#160;For the years ended December 31, 2021 and 2020, the amount includes 13&#160;million shares and 45&#160;million shares, respectively, related to the  accelerated share repurchase agreement described above.</span></div><div style="margin-top:4.5pt;padding-left:78.75pt;padding-right:36pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160; &#160;&#160;&#160;&#160;For the year ended December 31, 2021, the amount includes 28.5&#160;million shares related to the settlement of our common stock Tender Offer described above. </span></div><div style="margin-top:4.5pt;padding-left:78.75pt;padding-right:36pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160; &#160;&#160;&#160;&#160; Average purchase price per share includes purchase commission costs. </span></div><div style="margin-top:4.5pt;padding-left:78.75pt;padding-right:36pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160; </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Comprised of shares withheld from stock option exercises and vesting of restricted stock for employees&#8217; tax withholding obligations and shares tendered by employees to satisfy option exercise costs. </span></div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(6)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160; </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span>Common shares issued under our various compensation and benefit plans.<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of treasury stock, including, but not limited to, average cost per share, description of share repurchase program, shares repurchased, shares held for each class of treasury stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23309-112656<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23315-112656<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23285-112656<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326918360">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Earnings Per Common Share (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings Per Share [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock', window );">Schedule of earnings per share, basic and diluted</a></td>
<td class="text">A reconciliation of the numerators and denominators of the basic and diluted EPS calculations follows.<div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.472%"><tr><td style="width:1.0%"/><td style="width:64.677%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.584%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.732%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.584%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.732%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.584%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.107%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, (amounts in thousands, except per share data)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Numerator:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,160,513&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">880,690&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">578,276&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,736&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,734&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,837&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income attributable to SLM Corporation common stock</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,155,777&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">870,956&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">561,439&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Denominator:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Weighted average shares used to compute basic EPS</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">314,993&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">383,705&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">427,292&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Effect of dilutive securities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Dilutive effect of stock options, restricted stock, restricted stock units, performance stock units, and Employee Stock Purchase Plan (&#8220;ESPP&#8221;) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)(2)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,919&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,490&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,382&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Weighted average shares used to compute diluted EPS</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">319,912&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">387,195&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">430,674&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Basic earnings per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.67&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.27&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.31&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Diluted earnings per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.61&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.25&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.30&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:1pt;padding-left:279pt;padding-right:279pt;text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="margin-top:1pt;padding-left:261pt;padding-right:261pt;text-align:center"><span><br/></span></div><div style="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Includes the potential dilutive effect of additional common shares that are issuable upon exercise of outstanding stock options, restricted stock, restricted stock units, performance stock units, and the outstanding commitment to issue shares under the ESPP, determined by the treasury stock method.</span></div><div style="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span>For the years ended December&#160;31, 2021, 2020, and 2019, securities covering 1 million shares, no shares and no shares, respectively, were outstanding but not included in the computation of diluted earnings per share because they were anti-dilutive.<span></span>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506329054424">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation Plans and Arrangements (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>Share-based Payment Arrangement [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock', window );">Stock option activity</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes stock option activity for the year ended December&#160;31, 2021.</span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">  </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.472%"><tr><td style="width:1.0%"/><td style="width:42.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.022%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.745%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.565%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.745%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.565%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.745%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.568%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands, shares and per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of<br/>Options</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted<br/>Average<br/>Exercise<br/>Price&#160;per<br/>Share</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted<br/>Average<br/>Remaining<br/>Contractual<br/>Term</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregate</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Intrinsic</span></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Value</span><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</span></div></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Outstanding at December&#160;31, 2020</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">241,675&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.24&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">998,891&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Exercised</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)(3)</span></div></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(236,275)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.24&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Canceled</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,400)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Outstanding at December&#160;31, 2021</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(4)</span></div></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">998,891&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.65&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.0</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,018&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Exercisable at December&#160;31, 2021</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:9pt;padding-right:45pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">&#160;&#160;&#160;&#160;</span></div><div style="margin-top:9pt;padding-left:103.5pt;padding-right:49.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The aggregate intrinsic value represents the total intrinsic value (the aggregate difference between our closing stock price on December&#160;31, 2021 and the exercise price of in-the-money options) that would have been received by the option holders if all in-the-money options had been exercised on December&#160;31, 2021.</span></div><div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The total intrinsic value of options exercised was $2 million, $3 million, and $4 million for the years ended December&#160;31, 2021, 2020, and 2019, respectively.</span></div><div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">No cash was received from option exercises for the year ended December&#160;31, 2021. The actual tax benefit realized for the tax deductions from option exercises totaled less than $1 million for the year ended December&#160;31, 2021.</span></div><div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">For net-settled options, gross number is reflected.</span></div><span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock', window );">Restricted stock activity</a></td>
<td class="text"><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes restricted stock activity for the year ended December&#160;31, 2021. </span></div><div style="text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.194%"><tr><td style="width:1.0%"/><td style="width:56.179%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.663%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.993%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.665%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Shares and per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number&#160;of<br/>Shares</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted<br/>Average&#160;Grant<br/>Date<br/>Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-vested at December 31, 2020</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">143,033&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.69&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,098&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.33&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Vested</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(143,033)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.69&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Canceled</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,918)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.33&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-vested at December 31, 2021</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49,180&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.33&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:9pt;padding-left:139.5pt;padding-right:81pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The total fair value of shares that vested during the years ended December&#160;31, 2021, 2020, and 2019 was $1 million, $1 million, and $1 million, respectively.</span></div><div style="margin-top:9pt;padding-left:139.5pt;padding-right:81pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">As of December&#160;31, 2021, there was $0.4 million of unrecognized compensation cost related to restricted stock, which is expected to be recognized over a weighted average period of 0.4 years.</span></div><span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock', window );">Restricted stock unit and performance stock unit activity</a></td>
<td class="text"><div style="margin-top:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes RSU and PSU activity for the year ended December&#160;31, 2021. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.888%"><tr><td style="width:1.0%"/><td style="width:56.683%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.418%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.979%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.420%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Shares and per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of<br/>RSUs/<br/>PSUs</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted<br/>Average&#160;Grant<br/>Date<br/>Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Outstanding at December&#160;31, 2020</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,721,505&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.41&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,673,427&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.51&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Vested and converted to common stock</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,944,877)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.64&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Canceled</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(141,559)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.85&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Outstanding at December&#160;31, 2021</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,308,496&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.83&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">                                                                               </span></div><div style="margin-top:9pt;padding-left:139.5pt;padding-right:103.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">The total fair value of RSUs/PSUs that vested and converted to common stock during the years ended December&#160;31, 2021, 2020, and 2019 was $31 million, $26 million, and $27 million, respectively.</span></div><div style="margin-top:9pt;padding-left:139.5pt;padding-right:103.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt">As of December&#160;31, 2021, there was $15 million of unrecognized compensation cost related to RSUs/PSUs, which is expected to be recognized over a weighted average period of 1.4 years.</span></div><span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock', window );">Black-Scholes Model assumptions for calculating ESPP fair values</a></td>
<td class="text"><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of the stock purchase rights of the ESPP offerings were calculated using a Black-Scholes option pricing model with the following weighted average assumptions:</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.833%"><tr><td style="width:1.0%"/><td style="width:49.266%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.834%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.715%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.834%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.715%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.836%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, (per share amounts in actuals)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Risk-free interest rate</span></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.07&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.12&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.87&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Expected volatility</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Expected dividend rate</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.66&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 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1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Expected life of the option</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1 year</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1 year</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1 year</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Weighted average fair value of stock purchase rights</span></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.93&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.74&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.77&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506329552264">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Measurements (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Disclosures [Abstract]</strong></a></td>
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<td class="text"><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the valuation of our financial instruments that are marked-to-fair value on a recurring basis.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.111%"><tr><td style="width:1.0%"/><td style="width:19.853%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.269%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.316%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.269%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.304%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.269%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.304%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.269%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.471%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="45" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair&#160;Value&#160;Measurements&#160;on&#160;a&#160;Recurring Basis</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level&#160;1&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level&#160;2&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level&#160;3&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level&#160;1&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level&#160;2&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level&#160;3&#160;</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total&#160;</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Assets:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Trading investments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,465&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,465&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,923&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,923&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Available-for-sale investments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,517,956&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,517,956&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,996,634&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,996,634&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivative instruments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,519,278&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,465&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,556,743&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,997,363&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,923&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,014,286&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivative instruments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(252)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByBalanceSheetGroupingTextBlock', window );">Fair values of financial assets and liabilities, including derivative financial instruments</a></td>
<td class="text"><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the fair values of our financial assets and liabilities, including derivative financial instruments.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.694%"><tr><td style="width:1.0%"/><td style="width:27.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.785%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.930%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.075%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.365%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.365%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.503%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr style="height:23pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair<br/>Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying<br/>Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Difference</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair<br/>Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying<br/>Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Difference</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Earning assets:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans held for investment, net:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Private Education Loans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,919,836&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,625,374&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,294,462&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,124,171&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,436,968&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,687,203&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">FFELP Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">705,644&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,954&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,690&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">748,657&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">735,208&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,449&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Credit Cards</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,037&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,955&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,082&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,249&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,967&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,282&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans held for sale</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,226,029&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,885,640&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">340,389&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,334,603&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,334,603&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,455,292&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,455,292&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Trading investments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,465&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,465&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,923&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,923&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Available-for-sale investments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,517,956&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,517,956&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,996,634&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,996,634&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accrued interest receivable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,306,410&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,205,667&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100,743&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,527,816&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,387,305&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">140,511&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax indemnification receivable</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,047&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,047&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,492&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,492&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivative instruments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,322&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">729&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total earning assets</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31,856,320&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,446,343&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,409,977&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34,126,992&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,944,158&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,182,834&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Interest-bearing liabilities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Money-market and savings accounts</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,457,490&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,432,691&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(24,799)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,136,560&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,067,633&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(68,927)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,451,528&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,394,001&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(57,527)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,799,223&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,597,266&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(201,957)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Short-term borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,000,174&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,930,990&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(69,184)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,398,309&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,189,217&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(209,092)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accrued interest payable</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">46,600&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">46,600&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60,272&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60,272&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivative instruments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">252&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">252&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">287&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">287&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total interest-bearing liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,956,044&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,804,534&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(151,510)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,394,651&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,914,675&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(479,976)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Excess of net asset fair value over carrying value</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,258,467&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,702,858&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).</p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327019528">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Regulatory Capital (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Schedule of compliance with regulatory capital requirements</a></td>
<td class="text"><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following capital amounts and ratios are based upon the Bank&#8217;s average assets and risk-weighted assets, as indicated. </span></div><div style="text-align:center;text-indent:22.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.055%"><tr><td style="width:1.0%"/><td style="width:46.849%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.588%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.149%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.101%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.843%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.991%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.054%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.525%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(Dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Actual</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">U.S. Basel III</span></div><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Minimum Requirements Plus Buffer</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)(2)</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ratio</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ratio</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2021:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,314,657&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,643,132&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,314,657&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.1&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,995,232&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,410,183&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,464,699&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,314,657&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.1&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,198,808&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2020:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,579,005&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,794,780&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,579,005&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,179,375&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,849,820&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,692,169&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,579,005&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,264,424&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="margin-top:3pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">         &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div><div style="margin-top:3pt;padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)&#160;&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reflects the U.S. Basel III minimum required ratio plus the applicable capital conservation buffer. </span></div><div style="padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(2)&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Bank&#8217;s regulatory capital ratios also exceeded all applicable standards for the Bank to qualify as &#8220;well capitalized&#8221; under the prompt corrective action framework.</span></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506330017192">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock', window );">Reconciliations of statutory U.S. federal income tax rates to our effective tax rate</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reconciliations of the statutory U.S. federal income tax rates to our effective tax rate for continuing operations follow:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:71.527%"><tr><td style="width:1.0%"/><td style="width:44.142%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.793%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.793%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.795%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31,</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Statutory rate</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.0&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.0&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.0&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">State tax, net of federal benefit</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Business tax credits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.8)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2.2)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3.5)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reverse federal impact of indemnification adjustments </span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrecognized tax benefits, U.S. federal and state, net of federal benefit</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.4&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.7&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.1)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.7&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Effective tax rate</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24.7&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23.7&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22.3&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><span></span>
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</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock', window );">Components of provision for income tax expense (benefit)</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income tax expense consists of:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:5pt;text-align:center;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.750%"><tr><td style="width:1.0%"/><td style="width:44.286%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.284%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.741%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.284%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.741%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.286%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, <br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Current provision (benefit):</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">259,536&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">172,153&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">150,800&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">State</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">64,843&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,387&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,378&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total current provision (benefit)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">324,379&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">200,540&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">175,178&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred provision (benefit):</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,240&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">58,003&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,240)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">State</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,132&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,773&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,474)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total deferred provision (benefit)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,372&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,776&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,714)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Provision for income tax expense</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">379,751&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">273,316&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">165,464&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock', window );">Schedule of deferred tax assets and liabilities</a></td>
<td class="text"><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The tax effect of temporary differences that give rise to deferred tax assets and liabilities is summarized below. </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-align:center;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:66.527%"><tr><td style="width:1.0%"/><td style="width:60.069%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.261%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.062%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.843%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.065%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deferred tax assets:</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loan reserves</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">300,538&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">356,296&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Stock-based compensation plans</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,174&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,914&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred revenue</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,318&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,441&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Operating loss carryovers</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">394&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">83&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accrued expenses not currently deductible</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,307&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,139&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net unrealized losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,047&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrecorded tax benefits</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,016&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,997&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,097&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,003&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total deferred tax assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">338,844&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">398,920&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deferred tax liabilities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,131&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,098&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Acquired intangible assets</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,710&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,767&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Market value adjustments on student loans, investments and derivatives</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,651&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net unrealized gains</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,459&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal deferred for state receivable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,921&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,456&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Student loan premiums and discounts, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,396&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,336&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">363&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">307&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total deferred tax liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">40,013&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">43,615&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Net deferred tax assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">298,831&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">355,305&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock', window );">Summary of changes in unrecognized tax benefits</a></td>
<td class="text"><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes changes in unrecognized tax benefits:</span></div><div style="margin-top:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.694%"><tr><td style="width:1.0%"/><td style="width:56.480%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.097%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.565%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.763%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.565%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.767%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31,<br/>(dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unrecognized tax benefits at beginning of year</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,134&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,509&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">52,159&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increases resulting from tax positions taken during a prior period</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,496&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,723&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,333&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Decreases resulting from tax positions taken during a prior period</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,481)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(817)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(851)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increases resulting from tax positions taken during the current period</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,743&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,815&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,572&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Decreases related to settlements with taxing authorities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,682)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(148)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,670)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increases related to settlements with taxing authorities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reductions related to the lapse of statute of limitations</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,978)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,948)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,034)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Unrecognized tax benefits at end of year</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">75,328&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,134&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,509&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32639-109319<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32537-109319<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the change in unrecognized tax benefits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 55<br> -Paragraph 217<br> -URI http://asc.fasb.org/extlink&amp;oid=124434304&amp;loc=d3e36027-109320<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=SL6600010-109319<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Only Statements (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ScheduleOfCondensedBalanceSheetTableTextBlock', window );">Parent only Condensed Balance Sheets</a></td>
<td class="text"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:70.416%"><tr><td style="width:1.0%"/><td style="width:64.580%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.180%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.679%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.180%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.681%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Parent Only Condensed Balance Sheets</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">At December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">570,726&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">539,074&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total investments in subsidiaries (primarily Sallie Mae Bank)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,527,780&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,689,027&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income taxes receivables, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,835&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax indemnification receivable</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,047&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,492&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Due from subsidiaries, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">105,667&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,357&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other assets</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,361&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,457&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,215,581&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,298,242&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities and Equity</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Long-term borrowings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">986,138&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,879&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income taxes payable, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34,822&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Payable due to Navient</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">101&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,531&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">44,809&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,997&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total liabilities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,065,870&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">735,407&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Equity</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock, par value $0.20 per share, 20 million shares authorized:</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Series B: 2.5 million and 2.5 million shares issued, respectively, at stated value of $100 per share</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">251,070&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">251,070&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common stock, par value $0.20 per share, 1.125 billion shares authorized: 432.0 million and 456.7 million shares issued, respectively</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">86,403&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">91,346&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Additional paid-in capital</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,074,384&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,331,247&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accumulated other comprehensive loss (net of tax benefit of $(5,707) and $(10,908), respectively)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(17,897)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(34,200)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Retained earnings</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,817,134&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,722,365&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total SLM Corporation stockholders&#8217; equity before treasury stock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,211,094&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,361,828&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: Common stock held in treasury at cost: 153.1 million and 81.4 million shares, respectively</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,061,383)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(798,993)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total equity</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,149,711&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,562,835&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total liabilities and equity</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,215,581&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,298,242&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ScheduleOfCondensedIncomeStatementTableTextBlock', window );">Parent only Condensed Statements of Income</a></td>
<td class="text"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.333%"><tr><td style="width:1.0%"/><td style="width:49.468%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.125%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.051%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.125%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.051%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.125%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.055%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Parent Only Condensed Statements of Income</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest income</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">392&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">452&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,663&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Interest expense</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35,208&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,896&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,060&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest loss</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(34,816)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(14,444)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,397)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-interest income (loss)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(13,078)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,820&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10,856)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Non-interest expenses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,352&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">57,945&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">39,423&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loss before income tax benefit and equity in net income from subsidiaries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(102,246)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(69,569)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(58,676)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense (benefit)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,477&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,235)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(25,260)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Equity in net income from subsidiaries (primarily Sallie Mae Bank)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,271,236&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">939,024&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">611,692&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,160,513&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">880,690&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">578,276&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,736&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,734&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,837&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income attributable to SLM Corporation common stock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,155,777&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">870,956&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">561,439&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock', window );">Parent only Condensed Statements of Cash Flows</a></td>
<td class="text"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.555%"><tr><td style="width:1.0%"/><td style="width:56.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.887%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.887%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.889%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Parent Only Condensed Statement of Cash Flows</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Years ended December 31, (dollars in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash flows from operating activities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,160,513&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">880,690&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">578,276&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjustments to reconcile net income to net cash (used in) provided by operating activities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Undistributed earnings of subsidiaries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,271,236)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(939,024)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(611,692)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Dividends received from Sallie Mae Bank</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,444,500&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">579,400&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">254,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reduction of tax indemnification receivable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,445&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,066&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,649&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Amortization of unsecured debt upfront fees</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,663&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,029&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">811&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loss on early extinguishment of unsecured debt</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,784&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gain on sale of Upromise subsidiary, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,331)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Decrease in investment in subsidiaries, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34,935&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,698&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,611&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(Increase) decrease in due from subsidiaries, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(58,310)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,813)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,254&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increase in other assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16,964)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10,504)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12,999)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increase (decrease) in income taxes payable, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">36,657&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(13,292)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(25,814)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Decrease in payable due to entity that is a subsidiary of Navient</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,430)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(533)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(416)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Increase (decrease) in other liabilities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,165&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,874&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,796)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total adjustments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">179,209&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(323,430)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(381,392)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net cash provided by operating activities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,339,722&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">557,260&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">196,884&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash flows from investing activities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Proceeds from the sale of Upromise subsidiary, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,922&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net cash provided by investing activities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,922&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash flows from financing activities:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Issuance costs for unsecured debt offering</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,540)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,309)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unsecured debt issued</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">492,135&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">495,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unsecured debt repaid</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(202,784)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Repurchase of Series B Preferred Stock</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(68,055)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common stock dividends paid</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(60,462)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(46,351)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(51,114)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends paid</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,736)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,734)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16,837)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Common stock repurchased</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,530,683)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(558,167)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(167,201)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net cash used in financing activities</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,308,070)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(188,616)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(235,152)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net increase (decrease) in cash and cash equivalents</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31,652&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">385,566&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(38,268)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and cash equivalents at beginning of year</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">539,074&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">153,508&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">191,776&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash and cash equivalents at end of year</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">570,726&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">539,074&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">153,508&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326870792">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Selected Quarterly Financial Information (unaudited) (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract', window );"><strong>Quarterly Financial Information Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock', window );">Schedule of Quarterly Financial Information</a></td>
<td class="text"><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.694%"><tr><td style="width:1.0%"/><td style="width:51.193%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.717%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.717%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.717%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.717%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.912%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">(Dollars in thousands, except per share data)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">First </span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Second</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Third</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fourth</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">331,114&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">338,784&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">357,518&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">367,350&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(225,767)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">69,677&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">138,442&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,309)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income after provisions for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">556,881&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">269,107&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">219,076&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">382,659&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains (losses) on sales of loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">399,111&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,679&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">145,535&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains (losses) on derivative and hedging activities, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">89&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">44&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,288&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48,580&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,879&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,243&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total operating expenses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">124,499&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">128,010&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">140,649&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">125,495&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total restructuring expenses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,077&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">70&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">108&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">203,525&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,174&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,392&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">103,660&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Net income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">641,207&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">140,201&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,840&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">306,265&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,201&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,192&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,166&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,177&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income attributable to SLM Corporation common stock</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">640,006&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">139,009&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71,674&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">305,088&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Basic earnings per common share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.77&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.45&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.24&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.06&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Diluted earnings per common share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.75&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.44&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.24&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.04&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Declared dividends per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.03&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.03&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.03&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.11&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;     </span></div><div style="margin-top:9pt;padding-left:99pt;padding-right:63pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic and diluted earnings per common share attributable to SLM Corporation are computed independently for each of the quarters presented. Therefore, the sum of quarterly basic and diluted earnings per common share information may not equal annual basic and diluted earnings per common share.</span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.555%"><tr><td style="width:1.0%"/><td style="width:51.105%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.719%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.929%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.719%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.929%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.719%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.929%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.719%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.932%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">First</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Second</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Third</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Fourth</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">(Dollars in thousands, except per share data)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Quarter</span></td></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">400,116&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">348,775&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">364,567&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">366,537&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Less: provisions for credit losses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">61,258&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">351,887&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,640)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(316,372)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net interest income (loss) after provisions for credit losses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">338,858&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,112)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">368,207&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">682,909&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains (losses) on sales of loans, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">238,935&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(369)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(247)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gains (losses) on derivative and hedging activities, net</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">45,672&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,751&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">136&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,487&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,412&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,646&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,043&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total operating expenses</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">147,298&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">141,557&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">127,490&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">121,743&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total restructuring expenses</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,127&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,088&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense (benefit)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">121,481&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(30,664)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,189&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">127,310&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Net income (loss)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">362,173&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(85,211)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">171,028&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">432,700&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,464&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,478&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,058&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,734&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income (loss) attributable to SLM Corporation common stock</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">358,709&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(87,689)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">168,970&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">430,966&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Basic earnings (loss) per common share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.88&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.23)</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.45&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.15&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Diluted earnings (loss) per common share</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.87&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.23)</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.45&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.13&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Declared dividends per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.03&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.06&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.03&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;      </span></div><div style="margin-top:9pt;padding-left:99pt;padding-right:63pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">(1) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic and diluted earnings per common share attributable to SLM Corporation are computed independently for each of the quarters presented. Therefore, the sum of quarterly basic and diluted earnings per common share information may not equal annual basic and diluted earnings per common share.</span></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of quarterly financial data. Includes, but is not limited to, financial information for fiscal quarters, cumulative effect of a change in accounting principle and earnings per share data.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 270<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124502072&amp;loc=d3e1280-108306<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies - Trading Investments (Details)<br></strong></div></th>
<th class="th" colspan="1">1 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
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<th class="th"><div>Mar. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_VerticalRiskRetentionPercentage', window );">Vertical risk retention interest</a></td>
<td class="nump">5.00%<span></span>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_VerticalRiskRetentionPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Vertical Risk Retention, Percentage</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_VerticalRiskRetentionPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>71
<FILENAME>R54.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506329220440">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies - Troubled Debt Restructurings (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment', window );">Percentage of Private Education Loans related to borrowers in school, grace or deferment</a></td>
<td class="nump">24.00%<span></span>
</td>
<td class="nump">24.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus', window );">Interest rate offered to borrowers facing financial difficulty</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus', window );">Interest rate offered to borrowers facing financial difficulty, period</a></td>
<td class="text">2 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR', window );">Period of forbearance period to be classified as TDR</a></td>
<td class="text">3 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAndLeasesReceivablePeriodOfForbearance', window );">Period of forbearance</a></td>
<td class="text">24 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAndLeasesReceivablePeriodAfterGracePeriodForForbearanceAllowance', window );">Period after grace period for forbearance allowance for loans</a></td>
<td class="text">9 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod', window );">Forbearance period after grace period for loans</a></td>
<td class="text">6 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring', window );">Percentage of loans granted forbearance (as a percentage)</a></td>
<td class="nump">47.00%<span></span>
</td>
<td class="nump">47.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest', window );">Monthly payment that is smaller than the interest accrued on the loan in that month</a></td>
<td class="nump">$ 25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Period Of Interest Rate Reduction, Financial Difficulty Status</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fixed-Pay Loan, Monthly Payment Amount, Below Monthly Accrued Interest</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans and Leases Receivable, Forbearance Period after Grace Period</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansAndLeasesReceivableForbearancePeriodAfterGracePeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansAndLeasesReceivablePeriodAfterGracePeriodForForbearanceAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans and Leases Receivable, Period After Grace Period for Forbearance Allowance</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansAndLeasesReceivablePeriodAfterGracePeriodForForbearanceAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansAndLeasesReceivablePeriodOfForbearance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans and Leases Receivable, Period of Forbearance</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansAndLeasesReceivablePeriodOfForbearance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans and Leases Receivable, Period of Forbearance Within Twenty-Four Month Period to be Classified as TDR</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansAndLeasesReceivablePeriodOfForbearanceWithinTwentyFourMonthPeriodToBeClassifiedAsTDR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans And Leases Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans and Leases Receivable, Impaired, Loans Granted Forbearance Qualified as Trouble Debt Restructuring</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Private Education Loans Related To Borrowers In School, Grace or Deferment</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>72
<FILENAME>R55.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506329476408">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies - Allowance for FFELP Loans and Loan Interest Income (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo', window );">Percentage reimbursement on all qualifying default claims period two (as a percentage)</a></td>
<td class="nump">97.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne', window );">Percentage reimbursement on all qualifying default claims period one (as a percentage)</a></td>
<td class="nump">98.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree', window );">Variable rate</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure', window );">Maximum loss exposure due to federal guarantee</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ConstantPrepaymentFeeVariableRate', window );">Basis points</a></td>
<td class="nump">0.0105<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansinNonaccrualStatus', window );">Loans in nonaccrual status</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_ConstantPrepaymentFeeVariableRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Constant Prepayment Fee, Variable Rate</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ConstantPrepaymentFeeVariableRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansinNonaccrualStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans in Nonaccrual Status</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansinNonaccrualStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage Reimbursement On All Qualifying Default Claims, Maximum Loss Exposure</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage reimbursement on all qualifying default claims period one.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage reimbursement on all qualifying default claims period three.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage Reimbursement On All Qualifying FFELP Default Claims Period Two</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>73
<FILENAME>R56.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326815432">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies - Deposits (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DepositsPeriodofNotificationforWithdrawal', window );">Period of notification for withdrawal of deposits (less than or equal to)</a></td>
<td class="text">7 days<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DepositsPeriodofNotificationforWithdrawal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deposits, Period of Notification for Withdrawal</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DepositsPeriodofNotificationforWithdrawal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>74
<FILENAME>R57.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506328999016">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies - Gain on Sale of Loans, Net (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Sep. 30, 2021</div></th>
<th class="th"><div>Jun. 30, 2021</div></th>
<th class="th"><div>Mar. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Sep. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Mar. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfNotesReceivable', window );">Gains on sales of loans, net</a></td>
<td class="nump">$ 145,535<span></span>
</td>
<td class="num">$ (10)<span></span>
</td>
<td class="nump">$ 3,679<span></span>
</td>
<td class="nump">$ 399,111<span></span>
</td>
<td class="num">$ (247)<span></span>
</td>
<td class="num">$ (4)<span></span>
</td>
<td class="num">$ (369)<span></span>
</td>
<td class="nump">$ 238,935<span></span>
</td>
<td class="nump">$ 548,315<span></span>
</td>
<td class="nump">$ 238,315<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfLoansReceivable', window );">Proceeds from sale of loans receivable</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,240,000<span></span>
</td>
<td class="nump">3,100,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetProceedsFromSalesOfStudentLoansHeldForSalePrincipal', window );">Net proceeds from sales of loans held for investment, principal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,980,000<span></span>
</td>
<td class="nump">2,900,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest', window );">Net proceeds from sales of loans held for investment, capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 264,000<span></span>
</td>
<td class="nump">$ 199,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Proceeds From Sales Of Student Loans Held For Sale, Capitalized Interest</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetProceedsFromSalesOfStudentLoansHeldForSalePrincipal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Proceeds From Sales Of Student Loans Held For Sale, Principal</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetProceedsFromSalesOfStudentLoansHeldForSalePrincipal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfNotesReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=121570589&amp;loc=d3e107425-111719<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSaleOfNotesReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfLoansReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow associated with the sale of loans receivables arising from the financing of goods and services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfLoansReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>75
<FILENAME>R58.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327007544">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies - Securitization Accounting (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2021</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance', window );">Asset balance related to securitization trust (as a percentage)</a></td>
<td class="nump">10.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Variable Interest Entities, Option to Exercise, Maximum Percentage of Assets to Original Loan Balance</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>76
<FILENAME>R59.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506318066456">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies - Derivative Accounting (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional derivative contracts</a></td>
<td class="nump">$ 6,589,856<span></span>
</td>
<td class="nump">$ 8,557,883<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=exch_XCME', window );">CME</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional derivative contracts</a></td>
<td class="nump">$ 5,200,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts', window );">Percent of total notional derivative contracts</a></td>
<td class="nump">94.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=slm_LondonClearingHouseMember', window );">LCH</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional derivative contracts</a></td>
<td class="nump">$ 300,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts', window );">Percent of total notional derivative contracts</a></td>
<td class="nump">5.60%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember', window );">Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional derivative contracts</a></td>
<td class="nump">$ 5,536,096<span></span>
</td>
<td class="nump">$ 8,557,883<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Derivative Instrument, Percent of Total Notional Derivative Contracts</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsGainLossLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsGainLossLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeNotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Nominal or face amount used to calculate payment on derivative.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5580258-113959<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5579245-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=slm_LondonClearingHouseMember</td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506320671224">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies - Restructuring Activities (Details)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2021 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Sep. 30, 2021 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Jun. 30, 2021 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Mar. 31, 2021 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Sep. 30, 2020 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Jun. 30, 2020 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Mar. 31, 2020 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2021 </div>
<div>USD ($) </div>
<div>position</div>
</th>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestructuringCharges', window );">Restructuring expenses</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 108<span></span>
</td>
<td class="nump">$ 70<span></span>
</td>
<td class="nump">$ 1,077<span></span>
</td>
<td class="nump">$ 2,088<span></span>
</td>
<td class="nump">$ 24,127<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 1,255<span></span>
</td>
<td class="nump">$ 26,215<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SeveranceCosts1', window );">Severance costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRestructuringCosts', window );">Other related costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="nump">$ 6,000<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestructuringAndRelatedCostNumberOfPositionsEliminated', window );">Number of positions eliminated | position</a></td>
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</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">165<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestructuringAndRelatedCostNumberOfPositionsEliminatedPeriodPercent', window );">Number of positions eliminated, percent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<div style="display: none;">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of other expenses associated with exit or disposal activities pursuant to an authorized plan. Excludes expenses associated with a discontinued operation or an asset retirement obligation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of positions eliminated during the period as a result of restructuring activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of positions eliminated during the period as a percentage of total positions eliminated during the period in connection with the restructuring plan(s).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expenses associated with exit or disposal activities pursuant to an authorized plan. Excludes expenses related to a discontinued operation or an asset retirement obligation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 420<br> -SubTopic 10<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109237686&amp;loc=d3e17752-110868<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 420<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 5.P.3)<br> -URI http://asc.fasb.org/extlink&amp;oid=115931487&amp;loc=d3e140864-122747<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 420<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 5.P.4(b)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=115931487&amp;loc=d3e140904-122747<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SeveranceCosts1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expenses for special or contractual termination benefits provided to current employees involuntarily terminated under a benefit arrangement associated exit or disposal activities pursuant to an authorized plan. Excludes expenses related to one-time termination benefits, a discontinued operation or an asset retirement obligation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SeveranceCosts1</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>78
<FILENAME>R61.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506325318424">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Significant Accounting Policies - Income Taxes (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Apr. 30, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReceivable', window );">Income taxes receivable, net</a></td>
<td class="nump">$ 239,578<span></span>
</td>
<td class="nump">$ 374,706<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=srt_AffiliatedEntityMember', window );">Navient</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilityForUncertainTaxPositionsCurrent', window );">Deferred tax asset discount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 27,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DeferredTaxLiabilitiesNetandLiabilityDuetoUncertainTaxPositions', window );">Deferred tax liability</a></td>
<td class="nump">5,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReceivable', window );">Income taxes receivable, net</a></td>
<td class="nump">$ 5,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 291,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DeferredTaxLiabilitiesNetandLiabilityDuetoUncertainTaxPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Liabilities, Net and Liability Due to Uncertain Tax Positions</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DeferredTaxLiabilitiesNetandLiabilityDuetoUncertainTaxPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of income taxes previously overpaid to tax authorities (such as U.S. Federal, state and local tax authorities) representing refunds of overpayments or recoveries based on agreed-upon resolutions of disputes. Also called income tax refund receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilityForUncertainTaxPositionsCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount recognized for uncertainty in income taxes classified as current.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.20)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilityForUncertainTaxPositionsCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=srt_AffiliatedEntityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=srt_AffiliatedEntityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>79
<FILENAME>R62.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506321757208">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Significant Accounting Policies - Effect of CECL Adoption (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Jan. 01, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="nump">$ 1,165,335<span></span>
</td>
<td class="nump">$ 1,361,723<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 441,912<span></span>
</td>
<td class="nump">$ 341,121<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Off-balance sheet exposures</a></td>
<td class="nump">72,713<span></span>
</td>
<td class="nump">110,044<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,481<span></span>
</td>
<td class="nump">$ 2,165<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">2,817,134<span></span>
</td>
<td class="nump">1,722,365<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,850,512<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BalanceSheetLocationAxis=us-gaap_OtherAssetsMember', window );">Deferred tax asset</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxAssetsNet', window );">Deferred tax asset</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">109,369<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="nump">1,158,977<span></span>
</td>
<td class="nump">1,355,844<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">374,300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember', window );">FFELP Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="nump">4,077<span></span>
</td>
<td class="nump">4,378<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,633<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PersonalLoansMember', window );">Personal Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">65,877<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_CreditCardsMember', window );">Credit Cards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="nump">$ 2,281<span></span>
</td>
<td class="nump">$ 1,501<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">102<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember', window );">Cumulative Effect, Period Of Adoption, Adjusted Balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,584,965<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Off-balance sheet exposures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">118,239<span></span>
</td>
<td class="nump">118,239<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">897,873<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember', window );">Cumulative Effect, Period Of Adoption, Adjusted Balance | Deferred tax asset</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxAssetsNet', window );">Deferred tax asset</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">415,540<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember', window );">Cumulative Effect, Period Of Adoption, Adjusted Balance | Private Education Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,435,130<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember', window );">Cumulative Effect, Period Of Adoption, Adjusted Balance | FFELP Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,485<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember', window );">Cumulative Effect, Period Of Adoption, Adjusted Balance | Personal Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">145,060<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember', window );">Cumulative Effect, Period Of Adoption, Adjusted Balance | Credit Cards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">290<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember', window );">Cumulative Effect, Period of Adoption, Adjustment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,143,053<span></span>
</td>
<td class="nump">1,584,965<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Off-balance sheet exposures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">115,758<span></span>
</td>
<td class="nump">$ 115,758<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(952,639)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember', window );">Cumulative Effect, Period of Adoption, Adjustment | Deferred tax asset</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxAssetsNet', window );">Deferred tax asset</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">306,171<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember', window );">Cumulative Effect, Period of Adoption, Adjustment | Private Education Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,060,830<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember', window );">Cumulative Effect, Period of Adoption, Adjustment | FFELP Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,852<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember', window );">Cumulative Effect, Period of Adoption, Adjustment | Personal Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="nump">79,183<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember', window );">Cumulative Effect, Period of Adoption, Adjustment | Credit Cards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems', window );"><strong>New Accounting Pronouncements or Change in Accounting Principle [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 188<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after allocation of valuation allowances and deferred tax liability, of deferred tax asset attributable to deductible differences and carryforwards, with jurisdictional netting.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=123427490&amp;loc=d3e31931-109318<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=123427490&amp;loc=d3e31917-109318<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxAssetsNet</td>
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<tr>
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<tr>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest</td>
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<tr>
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<td>us-gaap_</td>
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<tr>
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<tr>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OffBalanceSheetCreditLossLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expected credit loss for credit exposure on off-balance-sheet commitment, including but not limited to, loan commitment, standby letter of credit, financial guarantee not accounted for as insurance. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 460<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121611286&amp;loc=d3e11927-110247<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82919202-210446<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OffBalanceSheetCreditLossLiability</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 65<br> -Paragraph 15<br> -Subparagraph (g)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121322162&amp;loc=SL121327923-165333<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=124501264&amp;loc=SL117420844-207641<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=124501264&amp;loc=SL117420844-207641<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetainedEarningsAccumulatedDeficit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BalanceSheetLocationAxis=us-gaap_OtherAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BalanceSheetLocationAxis=us-gaap_OtherAssetsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PersonalLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PersonalLoansMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_CreditCardsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_CreditCardsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506318101816">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Cash and Cash Equivalents (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
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<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAbstract', window );"><strong>Cash and Cash Equivalents [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_CashduefromFederalReserveBank', window );">Cash due from Federal Reserve Bank</a></td>
<td class="nump">$ 4,300,000,000<span></span>
</td>
<td class="nump">$ 4,400,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash due from depository institutions</a></td>
<td class="nump">75,000,000<span></span>
</td>
<td class="nump">73,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashEquivalentsAtCarryingValue', window );">Outstanding cash equivalents</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_InterestincomefromTermDepositFacility', window );">Interest income from term deposit facility</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CertificatesOfDepositAtCarryingValue', window );">Funds on deposit with the FRB</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CashduefromFederalReserveBank">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cash due from Federal Reserve Bank</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CashduefromFederalReserveBank</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_InterestincomefromTermDepositFacility">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Interest income from Term Deposit Facility</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_InterestincomefromTermDepositFacility</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndDueFromBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CertificatesOfDepositAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A savings certificate entitling the Entity (that is, bearer) to receive interest at an established maturity date, based upon a fixed interest rate.  A certificate of deposit may be issued in any denomination. Certificates of deposit are generally issued by commercial banks and, therefore, insured by the FDIC (up to the prescribed limit).  Certificates of deposit generally restrict holders from withdrawing funds on demand without the incurrence of penalties.  Generally, only certificates of deposit with original maturities of three months or less qualify as cash equivalents. Original maturity means original maturity to the entity holding the investment. As a related example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three-years ago does not become a cash equivalent when its remaining maturity is three months.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CertificatesOfDepositAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<head>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506337507528">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investments - Trading Investments (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1">1 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>Investments, Debt and Equity Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_VerticalRiskRetentionPercentage', window );">Vertical risk retention interest</a></td>
<td class="nump">5.00%<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 37,465<span></span>
</td>
<td class="nump">$ 16,923<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_VerticalRiskRetentionPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Vertical Risk Retention, Percentage</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_VerticalRiskRetentionPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TradingSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in net income (trading).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26610-111562<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26610-111562<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TradingSecuritiesDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<DOCUMENT>
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<TEXT>
<html>
<head>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506321721176">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investments - Amortized Cost and Fair Value of Securities Available for Sale (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">$ 2,535,568<span></span>
</td>
<td class="nump">$ 1,986,957<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss', window );">Allowance for credit losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gains</a></td>
<td class="nump">2,917<span></span>
</td>
<td class="nump">10,162<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Losses</a></td>
<td class="num">(20,529)<span></span>
</td>
<td class="num">(485)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">2,517,956<span></span>
</td>
<td class="nump">1,996,634<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-backed securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">376,313<span></span>
</td>
<td class="nump">308,913<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss', window );">Allowance for credit losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gains</a></td>
<td class="nump">1,857<span></span>
</td>
<td class="nump">6,095<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Losses</a></td>
<td class="num">(7,073)<span></span>
</td>
<td class="num">(134)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">371,097<span></span>
</td>
<td class="nump">314,874<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_UtahHousingCorporationBondsMember', window );">Utah Housing Corporation bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">6,943<span></span>
</td>
<td class="nump">12,357<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss', window );">Allowance for credit losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gains</a></td>
<td class="nump">18<span></span>
</td>
<td class="nump">210<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">6,961<span></span>
</td>
<td class="nump">12,567<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember', window );">U.S. government-sponsored enterprises and Treasuries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">1,958,943<span></span>
</td>
<td class="nump">1,596,890<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss', window );">Allowance for credit losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gains</a></td>
<td class="nump">603<span></span>
</td>
<td class="nump">3,395<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Losses</a></td>
<td class="num">(11,893)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">1,947,653<span></span>
</td>
<td class="nump">1,600,285<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_OtherDebtSecuritiesMember', window );">Other securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">193,369<span></span>
</td>
<td class="nump">68,797<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss', window );">Allowance for credit losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gains</a></td>
<td class="nump">439<span></span>
</td>
<td class="nump">462<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Losses</a></td>
<td class="num">(1,563)<span></span>
</td>
<td class="num">(351)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">$ 192,245<span></span>
</td>
<td class="nump">$ 68,908<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of unrealized gain in accumulated other comprehensive income (AOCI) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of unrealized loss in accumulated other comprehensive income (AOCI) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27161-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124258926&amp;loc=SL82898722-210454<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124258926&amp;loc=SL82898722-210454<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26610-111562<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance for credit loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124269663&amp;loc=SL82922900-210455<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=124269663&amp;loc=SL82922900-210455<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aaa)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27161-111563<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124258926&amp;loc=SL82898722-210454<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_UtahHousingCorporationBondsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_UtahHousingCorporationBondsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_OtherDebtSecuritiesMember</td>
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<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327262552">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investments - Gross Unrealized Losses and Fair Value for Mortgage-Backed in Unrealized Loss Position (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract', window );"><strong>Less than 12 months</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">$ (18,989)<span></span>
</td>
<td class="num">$ (485)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Estimated Fair Value</a></td>
<td class="nump">1,593,655<span></span>
</td>
<td class="nump">76,452<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>12 months or more</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(1,540)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Estimated Fair Value</a></td>
<td class="nump">36,587<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract', window );"><strong>Total</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(20,529)<span></span>
</td>
<td class="num">(485)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Estimated Fair Value</a></td>
<td class="nump">1,630,242<span></span>
</td>
<td class="nump">76,452<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-backed securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract', window );"><strong>Less than 12 months</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(5,534)<span></span>
</td>
<td class="num">(134)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Estimated Fair Value</a></td>
<td class="nump">261,404<span></span>
</td>
<td class="nump">46,011<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>12 months or more</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(1,540)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Estimated Fair Value</a></td>
<td class="nump">36,587<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract', window );"><strong>Total</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(7,074)<span></span>
</td>
<td class="num">(134)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Estimated Fair Value</a></td>
<td class="nump">297,991<span></span>
</td>
<td class="nump">46,011<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=slm_UtahHousingCorporationBondsMember', window );">Utah Housing Corporation bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract', window );"><strong>Less than 12 months</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Estimated Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>12 months or more</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Estimated Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract', window );"><strong>Total</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Estimated Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember', window );">U.S. government-sponsored enterprises and Treasuries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract', window );"><strong>Less than 12 months</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(11,892)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Estimated Fair Value</a></td>
<td class="nump">1,199,367<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>12 months or more</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Estimated Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract', window );"><strong>Total</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(11,892)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Estimated Fair Value</a></td>
<td class="nump">1,199,367<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=us-gaap_OtherDebtSecuritiesMember', window );">Other securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract', window );"><strong>Less than 12 months</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(1,563)<span></span>
</td>
<td class="num">(351)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Estimated Fair Value</a></td>
<td class="nump">132,884<span></span>
</td>
<td class="nump">30,441<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>12 months or more</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Estimated Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract', window );"><strong>Total</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(1,563)<span></span>
</td>
<td class="num">(351)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Estimated Fair Value</a></td>
<td class="nump">$ 132,884<span></span>
</td>
<td class="nump">$ 30,441<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Available-For-Sale Securities, Unrealized Loss Position [Abstract]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for more than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=124269663&amp;loc=SL82922890-210455<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27337-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 55<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121590138&amp;loc=SL82922954-210456<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for 12 months or longer, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27337-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=124269663&amp;loc=SL82922890-210455<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for less than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27337-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=124269663&amp;loc=SL82922890-210455<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 55<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121590138&amp;loc=SL82922954-210456<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for less than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=124269663&amp;loc=SL82922890-210455<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27337-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in unrealized loss position without allowance for credit loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27290-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=124269663&amp;loc=SL82922888-210455<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 55<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121590138&amp;loc=SL82922954-210456<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in unrealized loss position, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27290-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=124269663&amp;loc=SL82922888-210455<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_MortgageBackedSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_MortgageBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=slm_UtahHousingCorporationBondsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=slm_UtahHousingCorporationBondsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_OtherDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_OtherDebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>84
<FILENAME>R67.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
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</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327103608">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investments - Additional Info (Details)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">1 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Mar. 31, 2020</div></th>
<th class="th">
<div>Dec. 31, 2021 </div>
<div>USD ($) </div>
<div>security</div>
</th>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($) </div>
<div>security</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SummaryOfInvestmentHoldingsLineItems', window );"><strong>Summary of Investment Holdings [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtSecuritiesAvailableForSaleNumberOfPositions', window );">Number of mortgage-backed securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">180<span></span>
</td>
<td class="nump">163<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB', window );">Par value of mortgage-backed securities pledged to FRB | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 888<span></span>
</td>
<td class="nump">$ 815<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_VerticalRiskRetentionPercentage', window );">Vertical risk retention interest</a></td>
<td class="nump">5.00%<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-backed securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SummaryOfInvestmentHoldingsLineItems', window );"><strong>Summary of Investment Holdings [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions', window );">Number of government sponsored securities with unrealized losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DebtSecuritiesAvailableForSaleNumberOfPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Debt Securities, Available-for-sale, Number of Positions</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DebtSecuritiesAvailableForSaleNumberOfPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Par Value Of Mortgage-Backed Securities Pledged To FRB</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_VerticalRiskRetentionPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Vertical Risk Retention, Percentage</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_VerticalRiskRetentionPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of investments in debt securities measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in unrealized loss position, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27290-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=124269663&amp;loc=SL82922888-210455<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SummaryOfInvestmentHoldingsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SummaryOfInvestmentHoldingsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_MortgageBackedSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_MortgageBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>85
<FILENAME>R68.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506321963640">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investments - Maturity Table (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">$ 2,535,568<span></span>
</td>
<td class="nump">$ 1,986,957<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">2,517,956<span></span>
</td>
<td class="nump">$ 1,996,634<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2022Member', window );">Maturity 2022</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">850,032<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">850,326<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2023Member', window );">Maturity 2023</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">162,617<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">162,003<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2024Member', window );">Maturity 2024</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">398,583<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">394,941<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2026Member', window );">Maturity 2026</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">547,712<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">540,382<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2038Member', window );">Maturity 2038</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">74<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">79<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2039Member', window );">Maturity 2039</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">1,029<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">1,120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2042Member', window );">Maturity 2042</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">3,183<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">3,175<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2043Member', window );">Maturity 2043</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">5,599<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">5,797<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2044Member', window );">Maturity 2044</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">7,620<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">7,881<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2045Member', window );">Maturity 2045</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">6,764<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">6,968<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2046Member', window );">Maturity 2046</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">10,629<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">10,818<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2047Member', window );">Maturity 2047</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">12,611<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">12,822<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2048Member', window );">Maturity 2048</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">2,961<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">3,025<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2049Member', window );">Maturity 2049</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">19,828<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">20,458<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2050Member', window );">Maturity 2050</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">134,707<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">131,063<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2051Member', window );">Maturity 2051</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">178,250<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">174,853<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2053Member', window );">Maturity 2053</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">141,251<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">140,260<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2054Member', window );">Maturity 2054</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">52,118<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">$ 51,985<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27161-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124258926&amp;loc=SL82898722-210454<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124258926&amp;loc=SL82898722-210454<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26610-111562<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2022Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2022Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2023Member">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2023Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2024Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2024Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2026Member">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2026Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2038Member">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2038Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2039Member">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2039Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2042Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2042Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2043Member">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2043Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2044Member">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2044Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2045Member">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2045Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2046Member">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2046Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2047Member">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2047Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2048Member">
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<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2048Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2049Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2051Member</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2053Member</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_Maturity2054Member</td>
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<head>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506329217608">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investments - Other Investments (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">3 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Sep. 30, 2019</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>Investments, Debt and Equity Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNiGainLoss', window );">Gain on equity securities investment</a></td>
<td class="nump">$ 8<span></span>
</td>
<td class="nump">$ 35<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNi', window );">Non-marketable securities investment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 69<span></span>
</td>
<td class="nump">$ 26<span></span>
</td>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI), classified as current.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -URI http://asc.fasb.org/extlink&amp;oid=123594786&amp;loc=SL75136599-209740<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EquitySecuritiesFvNi</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unrealized and realized gain (loss) on investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 321<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=123583765&amp;loc=SL75117546-209714<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506335799240">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investments - Low Income Housing Tax Credit Investments (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>Investments, Debt and Equity Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount', window );">Low income housing tax credit investments</a></td>
<td class="nump">$ 7<span></span>
</td>
<td class="nump">$ 6<span></span>
</td>
<td class="nump">$ 6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization', window );">Amount of amortization reported in income tax expense</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">$ 4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments', window );">Total carrying value of LIHTC investments</a></td>
<td class="nump">68<span></span>
</td>
<td class="nump">54<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment', window );">Liability for unfunded commitments</a></td>
<td class="nump">$ 30<span></span>
</td>
<td class="nump">$ 19<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of affordable housing tax credits and other tax benefits recognized.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 740<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=116633289&amp;loc=SL49122993-202985<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in qualified affordable housing projects.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 740<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=116633289&amp;loc=SL49122993-202985<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of amortization expense of investment in qualified affordable housing projects.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 740<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=116633289&amp;loc=SL49122993-202985<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of commitment or contingent commitments to qualified affordable housing project investments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 740<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=116633289&amp;loc=SL49122993-202985<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>88
<FILENAME>R71.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506319457464">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Held for Investment - Additional Information (Details)<br></strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2021 </div>
<div>USD ($) </div>
<div>payment</div>
</th>
<th class="th">
<div>Sep. 30, 2021 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Jun. 30, 2021 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Mar. 31, 2021 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Sep. 30, 2020 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Jun. 30, 2020 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Mar. 31, 2020 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2021 </div>
<div>USD ($) </div>
<div>payment </div>
<div>numberOfExtensions </div>
<div>rateReduction</div>
</th>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($)</div>
</th>
<th class="th"><div>Jul. 01, 2006</div></th>
<th class="th"><div>Jun. 30, 2006</div></th>
<th class="th"><div>Sep. 30, 1993</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinanceReceivableTransferredToHeldForSaleLineItems', window );"><strong>Finance Receivable Transferred To Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR', window );">Private loans indexed to LIBOR</a></td>
<td class="nump">52.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">55.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">52.10%<span></span>
</td>
<td class="nump">55.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_TierOneofGovernmentGuarantee', window );">Tier 1 of government guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">97.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_TierTwoofGovernmentGuarantee', window );">Tier 2 of government guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">98.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_TierThreeofGovernmentGuarantee', window );">Tier 3 of government guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfNotesReceivable', window );">Gains on sales of loans, net</a></td>
<td class="nump">$ 145,535,000<span></span>
</td>
<td class="num">$ (10,000)<span></span>
</td>
<td class="nump">$ 3,679,000<span></span>
</td>
<td class="nump">$ 399,111,000<span></span>
</td>
<td class="num">$ (247,000)<span></span>
</td>
<td class="num">$ (4,000)<span></span>
</td>
<td class="num">$ (369,000)<span></span>
</td>
<td class="nump">$ 238,935,000<span></span>
</td>
<td class="nump">$ 548,315,000<span></span>
</td>
<td class="nump">$ 238,315,000<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfLoansReceivable', window );">Proceeds from sale of loans receivable</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,240,000,000<span></span>
</td>
<td class="nump">3,100,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetProceedsFromSalesOfStudentLoansHeldForSalePrincipal', window );">Net proceeds from sales of loans held for investment, principal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,980,000,000<span></span>
</td>
<td class="nump">2,900,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest', window );">Net proceeds from sales of loans held for investment, capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 264,000,000<span></span>
</td>
<td class="nump">$ 199,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentPrincipal', window );">Net proceeds from sales of personal loans, principal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">697,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentAccruedInterest', window );">Net proceeds from personal loans, accrued interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_EstimatedWeightedAverageLifeOfStudentLoans', window );">Estimated weighted average life of student loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years 8 months 12 days<span></span>
</td>
<td class="text">5 years 4 months 24 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance', window );">Number of payments due before granting forbearance | payment</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted', window );">Increment in which disaster forbearance is granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">3 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan', window );">Maximum amount of forbearance granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">12 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants', window );">Period of positive payment performance required by a borrower between successive grants of forbearance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">12 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants', window );">Number of payments required by a borrower between successive grants of forbearance | payment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivablePeriodExcludedFromDisallowanceOfForbearanceFollowingGracePeriod', window );">Period excluded from disallowance of forbearance following grace period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1', window );">Period that delinquent borrowers can participate in certain short-term interest-only payment alternatives, option one</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">12 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2', window );">Period that delinquent borrowers can participate in certain short-term interest-only payment alternatives, option two</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_InterestRateReductionPercentage', window );">Interest rate reduction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAndLeasesReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus', window );">Interest rate offered to borrowers facing financial difficulty, period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">2 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAvailableExtensionsOfFinalMaturityDateOfLoanLoansAndLeasesReceivableAvailableExtensionsOfFinalMaturityDateOfLoanFinancialDifficultyStatus', window );">Number of available extensions of final maturity date of loan under loan modification program, borrowers facing financial difficulty | numberOfExtensions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAvailableRateReductionsFinancialDifficultyStatus', window );">Number of rate reductions available under loan modification program, borrowers facing financial difficulty | rateReduction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus', window );">Interest rate offered to borrowers facing financial difficulty</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus', window );">Number of consecutive monthly payments required to qualify for rate reduction, borrowers facing financial difficulty | payment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrantsFinancialDifficultyStaus', window );">Period of positive payment performance required by a borrower between successive grants of forbearance, borrowers facing financial difficulty</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">12 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansSubjectToInterestRateReductionsPercent', window );">Loans currently in repayment status that were subject to interest rate reductions</a></td>
<td class="nump">7.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.20%<span></span>
</td>
<td class="nump">7.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PeriodofLoansPastDueThatHaveAccruedInterest', window );">Period of loans past due that have accrued interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">90 days<span></span>
</td>
<td class="text">90 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansinNonaccrualStatus', window );">Loans in nonaccrual status</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageofLoansconcentratedinmajorstates', window );">Percentage of loans concentrated in major states</a></td>
<td class="nump">38.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">38.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">38.40%<span></span>
</td>
<td class="nump">38.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageofAggregateOutstandingLoansHeldForInvestment', window );">Percentage of aggregate outstanding loans held for investment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PersonalLoansMember', window );">Personal Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinanceReceivableTransferredToHeldForSaleLineItems', window );"><strong>Finance Receivable Transferred To Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossWriteoff', window );">Loan sale reduction to provision</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 43,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinanceReceivableTransferredToHeldForSaleLineItems', window );"><strong>Finance Receivable Transferred To Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Ninety or more days delinquent</a></td>
<td class="nump">$ 80,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 81,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 80,000,000<span></span>
</td>
<td class="nump">$ 81,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoanspledgedtoBorrowerinCustody', window );">Loans pledged to borrower in custody</a></td>
<td class="nump">2,900,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,300,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,900,000,000<span></span>
</td>
<td class="nump">3,300,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember', window );">FFELP Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinanceReceivableTransferredToHeldForSaleLineItems', window );"><strong>Finance Receivable Transferred To Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Ninety or more days delinquent</a></td>
<td class="nump">$ 34,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 36,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 34,000,000<span></span>
</td>
<td class="nump">$ 36,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RangeAxis=srt_MaximumMember', window );">Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinanceReceivableTransferredToHeldForSaleLineItems', window );"><strong>Finance Receivable Transferred To Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted', window );">Increments in which forbearance is granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">2 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_IncreaseToLifeOfLoanDefaults', window );">Increase to life of loan defaults</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">16.60%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RangeAxis=srt_MinimumMember', window );">Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinanceReceivableTransferredToHeldForSaleLineItems', window );"><strong>Finance Receivable Transferred To Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted', window );">Increments in which forbearance is granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">1 month<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_IncreaseToLifeOfLoanDefaults', window );">Increase to life of loan defaults</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_EstimatedWeightedAverageLifeOfStudentLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Estimated weighted average life of student loans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_EstimatedWeightedAverageLifeOfStudentLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinanceReceivableTransferredToHeldForSaleLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Finance Receivable Transferred To Held For Sale [Line Items]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinanceReceivableTransferredToHeldForSaleLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAvailableExtensionsOfFinalMaturityDateOfLoanLoansAndLeasesReceivableAvailableExtensionsOfFinalMaturityDateOfLoanFinancialDifficultyStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Available Extensions Of Final Maturity Date Of Loan, Financial Difficulty Status</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAvailableExtensionsOfFinalMaturityDateOfLoanLoansAndLeasesReceivableAvailableExtensionsOfFinalMaturityDateOfLoanFinancialDifficultyStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAvailableRateReductionsFinancialDifficultyStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Available Rate Reductions, Financial Difficulty Status</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAvailableRateReductionsFinancialDifficultyStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Increment In Which Disaster Forbearance Is Granted</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableIncrementInWhichDisasterForbearanceIsGranted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Increments In Which Forbearance Is Granted</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Month Limit On Forbearance Granted, Life Of Loan</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Number Of Consecutive Monthly Payments Required, Financial Difficulty Status</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableNumberOfConsecutiveMonthlyPaymentsRequiredFinancialDifficultyStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Number Of Interest-Only Repayment Alternatives Available to Delinquent Borrowers, Period, Option 1</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Number Of Interest-Only Repayment Alternatives Available to Delinquent Borrowers, Period, Option 2</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Number Of Payments Due Before Granting Forbearance</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableNumberOfPaymentsDueBeforeGrantingForbearance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Number Of Payments Required Between Forbearance Grants</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivablePeriodExcludedFromDisallowanceOfForbearanceFollowingGracePeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Period Excluded from Disallowance Of Forbearance, Following Grace Period</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivablePeriodExcludedFromDisallowanceOfForbearanceFollowingGracePeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Period Of Positive Payment Performance Required Between Forbearance Grants</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrantsFinancialDifficultyStaus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Period Of Positive Payment Performance Required Between Forbearance Grants, Financial Difficulty Staus</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrantsFinancialDifficultyStaus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_IncreaseToLifeOfLoanDefaults">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Increase To Life Of Loan Defaults</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_IncreaseToLifeOfLoanDefaults</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_InterestRateReductionPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Interest Rate Reduction, Percentage</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_InterestRateReductionPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansAndLeasesReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans And Leases Receivable, Period Of Interest Rate Reduction, Financial Difficulty Status</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansAndLeasesReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansSubjectToInterestRateReductionsPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Subject To Interest Rate Reductions, Percent</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansSubjectToInterestRateReductionsPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansinNonaccrualStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans in Nonaccrual Status</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansinNonaccrualStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoanspledgedtoBorrowerinCustody">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans pledged to Borrower in Custody</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoanspledgedtoBorrowerinCustody</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Proceeds From Sales Of Personal Loans Held For Investment, Accrued Interest</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentPrincipal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Proceeds From Sales Of Personal Loans Held For Investment, Principal</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetProceedsFromSalesOfPersonalLoansHeldForInvestmentPrincipal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Proceeds From Sales Of Student Loans Held For Sale, Capitalized Interest</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetProceedsFromSalesOfStudentLoansHeldForSalePrincipal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Proceeds From Sales Of Student Loans Held For Sale, Principal</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetProceedsFromSalesOfStudentLoansHeldForSalePrincipal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percent of Private Loans indexed to LIBOR Or SOFR</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageofAggregateOutstandingLoansHeldForInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of Aggregate Outstanding Loans Held For Investment</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageofAggregateOutstandingLoansHeldForInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageofLoansconcentratedinmajorstates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of Loans concentrated in major states</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageofLoansconcentratedinmajorstates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PeriodofLoansPastDueThatHaveAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period of Loans Past Due That Have Accrued Interest</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PeriodofLoansPastDueThatHaveAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_TierOneofGovernmentGuarantee">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tier One of Government Guarantee</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_TierOneofGovernmentGuarantee</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_TierThreeofGovernmentGuarantee">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tier Three of Government Guarantee</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_TierThreeofGovernmentGuarantee</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_TierTwoofGovernmentGuarantee">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tier Two of Government Guarantee</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_TierTwoofGovernmentGuarantee</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of writeoff of investment in debt security, measured at amortized cost (held-to-maturity), charged against allowance for credit loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable 90 days or more past due and still accruing.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 16<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919258-210447<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5111-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922355-210448<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfNotesReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=121570589&amp;loc=d3e107425-111719<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSaleOfNotesReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfLoansReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow associated with the sale of loans receivables arising from the financing of goods and services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfLoansReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PersonalLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PersonalLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
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<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327154760">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans Held for Investment - Student Loan Portfolio by Program (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="num">$ (1,165,335)<span></span>
</td>
<td class="num">$ (1,361,723)<span></span>
</td>
<td class="num">$ (441,912)<span></span>
</td>
<td class="num">$ (341,121)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment, net</a></td>
<td class="nump">20,341,283<span></span>
</td>
<td class="nump">19,183,143<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">20,716,863<span></span>
</td>
<td class="nump">19,729,337<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums', window );">Deferred origination costs and unamortized premium/(discount)</a></td>
<td class="nump">67,488<span></span>
</td>
<td class="nump">63,475<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="num">(1,158,977)<span></span>
</td>
<td class="num">(1,355,844)<span></span>
</td>
<td class="num">(374,300)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment, net</a></td>
<td class="nump">19,625,374<span></span>
</td>
<td class="nump">18,436,968<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Fixed-rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">9,920,547<span></span>
</td>
<td class="nump">8,950,216<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Variable-rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">10,796,316<span></span>
</td>
<td class="nump">10,779,121<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember', window );">FFELP Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">695,216<span></span>
</td>
<td class="nump">737,593<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums', window );">Deferred origination costs and unamortized premium/(discount)</a></td>
<td class="nump">1,815<span></span>
</td>
<td class="nump">1,993<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="num">(4,077)<span></span>
</td>
<td class="num">(4,378)<span></span>
</td>
<td class="num">(1,633)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment, net</a></td>
<td class="nump">692,954<span></span>
</td>
<td class="nump">735,208<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_CreditCardsMember', window );">Credit Cards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">25,014<span></span>
</td>
<td class="nump">12,238<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums', window );">Deferred origination costs and unamortized premium/(discount)</a></td>
<td class="nump">222<span></span>
</td>
<td class="nump">230<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses</a></td>
<td class="num">(2,281)<span></span>
</td>
<td class="num">(1,501)<span></span>
</td>
<td class="num">$ (102)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment, net</a></td>
<td class="nump">$ 22,955<span></span>
</td>
<td class="nump">$ 10,967<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, after allowance for credit loss, of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, before allowance for credit loss, of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919230-210447<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3B<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL120267963-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred fees paid by borrowers and unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of loans that are being amortized into income as an adjustment to yield. Excludes amounts for loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6378536&amp;loc=d3e10092-111533<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TradingActivityByTypeAxis=us-gaap_FixedIncomeInterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TradingActivityByTypeAxis=us-gaap_FixedIncomeInterestRateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TradingActivityByTypeAxis=us-gaap_VariableIncomeInterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TradingActivityByTypeAxis=us-gaap_VariableIncomeInterestRateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_CreditCardsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_CreditCardsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<html>
<head>
<title></title>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506321942840">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Held for Investment - Student Loan Portfolio Average Balances (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance', window );">Average Balance</a></td>
<td class="nump">$ 21,701,229<span></span>
</td>
<td class="nump">$ 23,776,111<span></span>
</td>
<td class="nump">$ 24,181,174<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance', window );">Average Balance</a></td>
<td class="nump">$ 20,968,061<span></span>
</td>
<td class="nump">$ 22,426,216<span></span>
</td>
<td class="nump">$ 22,225,473<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_WeightedAverageInterestRateonLoans', window );">Weighted Average Interest Rate</a></td>
<td class="nump">8.25%<span></span>
</td>
<td class="nump">8.42%<span></span>
</td>
<td class="nump">9.32%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember', window );">FFELP Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance', window );">Average Balance</a></td>
<td class="nump">$ 718,186<span></span>
</td>
<td class="nump">$ 757,953<span></span>
</td>
<td class="nump">$ 814,198<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_WeightedAverageInterestRateonLoans', window );">Weighted Average Interest Rate</a></td>
<td class="nump">3.43%<span></span>
</td>
<td class="nump">3.76%<span></span>
</td>
<td class="nump">4.79%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PersonalLoansMember', window );">Personal Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance', window );">Average Balance</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 582,552<span></span>
</td>
<td class="nump">$ 1,141,503<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_WeightedAverageInterestRateonLoans', window );">Weighted Average Interest Rate</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">12.43%<span></span>
</td>
<td class="nump">12.09%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_CreditCardsMember', window );">Credit Cards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance', window );">Average Balance</a></td>
<td class="nump">$ 14,982<span></span>
</td>
<td class="nump">$ 9,390<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_WeightedAverageInterestRateonLoans', window );">Weighted Average Interest Rate</a></td>
<td class="nump">4.67%<span></span>
</td>
<td class="num">(6.04%)<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Before Allowance For Credit Loss, Average Balance</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_WeightedAverageInterestRateonLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted Average Interest Rate on Loans</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_WeightedAverageInterestRateonLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PersonalLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_CreditCardsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506321757352">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans Held for Investment - By Region (Details)<br></strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansheldforinvestmentbyRegionLineItems', window );"><strong>Loans held for investment by Region [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageofLoansconcentratedinmajorstates', window );">Percentage of Loans concentrated in major states</a></td>
<td class="nump">38.40%<span></span>
</td>
<td class="nump">38.80%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_StatementGeographicalAxis=stpr_CA', window );">New York</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansheldforinvestmentbyRegionLineItems', window );"><strong>Loans held for investment by Region [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageofLoansheldinstate', window );">Percentage of Loans held in state</a></td>
<td class="nump">9.40%<span></span>
</td>
<td class="nump">9.70%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_StatementGeographicalAxis=stpr_NY', window );">California</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansheldforinvestmentbyRegionLineItems', window );"><strong>Loans held for investment by Region [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageofLoansheldinstate', window );">Percentage of Loans held in state</a></td>
<td class="nump">9.60%<span></span>
</td>
<td class="nump">9.60%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_StatementGeographicalAxis=stpr_PA', window );">Pennsylvania</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansheldforinvestmentbyRegionLineItems', window );"><strong>Loans held for investment by Region [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageofLoansheldinstate', window );">Percentage of Loans held in state</a></td>
<td class="nump">7.80%<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_StatementGeographicalAxis=stpr_NJ', window );">New Jersey</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansheldforinvestmentbyRegionLineItems', window );"><strong>Loans held for investment by Region [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageofLoansheldinstate', window );">Percentage of Loans held in state</a></td>
<td class="nump">6.00%<span></span>
</td>
<td class="nump">6.20%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_StatementGeographicalAxis=stpr_TX', window );">Texas</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansheldforinvestmentbyRegionLineItems', window );"><strong>Loans held for investment by Region [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageofLoansheldinstate', window );">Percentage of Loans held in state</a></td>
<td class="nump">5.60%<span></span>
</td>
<td class="nump">5.30%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansheldforinvestmentbyRegionLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>[Line Items] for Loans held for investment by Region [Table]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansheldforinvestmentbyRegionLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageofLoansconcentratedinmajorstates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of Loans concentrated in major states</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageofLoansconcentratedinmajorstates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
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<tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageofLoansheldinstate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of Loans held in state</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageofLoansheldinstate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementGeographicalAxis=stpr_CA</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementGeographicalAxis=stpr_NY</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementGeographicalAxis=stpr_PA</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementGeographicalAxis=stpr_NJ">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementGeographicalAxis=stpr_NJ</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementGeographicalAxis=stpr_TX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementGeographicalAxis=stpr_TX</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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</div>
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<DOCUMENT>
<TYPE>XML
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<FILENAME>R75.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506325864968">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Held for Sale (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransfersAndServicingAbstract', window );"><strong>Transfers and Servicing [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup', window );">Loans held for sale</a></td>
<td class="nump">$ 2,885,640<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesHeldToMaturitySale', window );">Loans transferred to held-for-sale</a></td>
<td class="nump">$ 206,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesHeldToMaturitySale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of decrease from sale of debt security measured at amortized cost (held-to-maturity).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919244-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesHeldToMaturitySale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after valuation allowance, of financing receivable held for sale and not part of disposal group. Excludes loan covered under loss sharing agreement and loan classified as investment in debt security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=124259787&amp;loc=d3e4428-111522<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 310<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124265262&amp;loc=d3e48678-111004<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransfersAndServicingAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TransfersAndServicingAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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</div>
</body>
</html>
</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>93
<FILENAME>R76.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506313463048">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses - Allowance and Recorded Investments in Loans (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Sep. 30, 2021</div></th>
<th class="th"><div>Jun. 30, 2021</div></th>
<th class="th"><div>Mar. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Sep. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Mar. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,361,723<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 441,912<span></span>
</td>
<td class="nump">$ 1,361,723<span></span>
</td>
<td class="nump">$ 441,912<span></span>
</td>
<td class="nump">$ 341,121<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments', window );">Transfer from unfunded commitment liability</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">301,655<span></span>
</td>
<td class="nump">320,808<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision for current period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(232,708)<span></span>
</td>
<td class="nump">190,898<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableSalesAllowanceForCreditLossReversal', window );">Loan sale reduction to provision</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(66,460)<span></span>
</td>
<td class="num">(204,709)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal', window );">Loans transferred to held-for-sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,887<span></span>
</td>
<td class="num">(205,669)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs', window );">Total provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(297,281)<span></span>
</td>
<td class="num">(219,480)<span></span>
</td>
<td class="nump">353,934<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract', window );"><strong>Net charge-offs:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(230,268)<span></span>
</td>
<td class="num">(245,043)<span></span>
</td>
<td class="num">(284,114)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">29,506<span></span>
</td>
<td class="nump">29,007<span></span>
</td>
<td class="nump">30,971<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery', window );">Net charge-offs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(200,762)<span></span>
</td>
<td class="num">(216,036)<span></span>
</td>
<td class="num">(253,143)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesLoansSold', window );">Loan sales</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(108,534)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Ending balance</a></td>
<td class="nump">$ 1,165,335<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,361,723<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,165,335<span></span>
</td>
<td class="nump">1,361,723<span></span>
</td>
<td class="nump">441,912<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAbstract', window );"><strong>Allowance:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Ending balance: individually evaluated for impairment</a></td>
<td class="nump">47,712<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">104,265<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">47,712<span></span>
</td>
<td class="nump">104,265<span></span>
</td>
<td class="nump">186,697<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance: collectively evaluated for impairment</a></td>
<td class="nump">1,117,623<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,257,458<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,117,623<span></span>
</td>
<td class="nump">1,257,458<span></span>
</td>
<td class="nump">255,215<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAbstract', window );"><strong>Loans:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance: individually evaluated for impairment</a></td>
<td class="nump">1,057,665<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,274,590<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,057,665<span></span>
</td>
<td class="nump">1,274,590<span></span>
</td>
<td class="nump">1,581,966<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance: collectively evaluated for impairment</a></td>
<td class="nump">20,379,428<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">19,204,578<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20,379,428<span></span>
</td>
<td class="nump">19,204,578<span></span>
</td>
<td class="nump">23,443,822<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal', window );">Provisions for unfunded loan commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">232,822<span></span>
</td>
<td class="nump">311,659<span></span>
</td>
<td class="nump">5,937<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal', window );">Less: provisions for credit losses</a></td>
<td class="num">(15,309)<span></span>
</td>
<td class="nump">$ 138,442<span></span>
</td>
<td class="nump">$ 69,677<span></span>
</td>
<td class="num">(225,767)<span></span>
</td>
<td class="num">(316,372)<span></span>
</td>
<td class="num">$ (3,640)<span></span>
</td>
<td class="nump">$ 351,887<span></span>
</td>
<td class="nump">61,258<span></span>
</td>
<td class="num">(32,957)<span></span>
</td>
<td class="nump">93,133<span></span>
</td>
<td class="nump">354,249<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember', window );">Cumulative Effect, Period of Adoption, Adjustment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,584,965<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,584,965<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLoss', window );">Day 1 adjustment for the adoption of CECL</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,143,053<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract', window );"><strong>Net charge-offs:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Ending balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,584,965<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,355,844<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">374,300<span></span>
</td>
<td class="nump">1,355,844<span></span>
</td>
<td class="nump">374,300<span></span>
</td>
<td class="nump">277,943<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments', window );">Transfer from unfunded commitment liability</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">301,655<span></span>
</td>
<td class="nump">320,808<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision for current period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(233,852)<span></span>
</td>
<td class="nump">148,673<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableSalesAllowanceForCreditLossReversal', window );">Loan sale reduction to provision</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(66,460)<span></span>
</td>
<td class="num">(161,793)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal', window );">Loans transferred to held-for-sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,887<span></span>
</td>
<td class="num">(205,669)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs', window );">Total provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(298,425)<span></span>
</td>
<td class="num">(218,789)<span></span>
</td>
<td class="nump">279,570<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract', window );"><strong>Net charge-offs:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(229,591)<span></span>
</td>
<td class="num">(205,326)<span></span>
</td>
<td class="num">(208,978)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">29,494<span></span>
</td>
<td class="nump">24,021<span></span>
</td>
<td class="nump">25,765<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery', window );">Net charge-offs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(200,097)<span></span>
</td>
<td class="num">(181,305)<span></span>
</td>
<td class="num">(183,213)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesLoansSold', window );">Loan sales</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Ending balance</a></td>
<td class="nump">1,158,977<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,355,844<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,158,977<span></span>
</td>
<td class="nump">1,355,844<span></span>
</td>
<td class="nump">374,300<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAbstract', window );"><strong>Allowance:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Ending balance: individually evaluated for impairment</a></td>
<td class="nump">47,712<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">104,265<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">47,712<span></span>
</td>
<td class="nump">104,265<span></span>
</td>
<td class="nump">186,697<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance: collectively evaluated for impairment</a></td>
<td class="nump">1,111,265<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,251,579<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,111,265<span></span>
</td>
<td class="nump">1,251,579<span></span>
</td>
<td class="nump">187,603<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAbstract', window );"><strong>Loans:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance: individually evaluated for impairment</a></td>
<td class="nump">1,057,665<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,274,590<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,057,665<span></span>
</td>
<td class="nump">1,274,590<span></span>
</td>
<td class="nump">1,581,966<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance: collectively evaluated for impairment</a></td>
<td class="nump">19,659,198<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">18,454,747<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 19,659,198<span></span>
</td>
<td class="nump">$ 18,454,747<span></span>
</td>
<td class="nump">$ 21,607,625<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment', window );">Net charge-offs as a percentage of average loans in repayment (annualized)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.33%<span></span>
</td>
<td class="nump">1.17%<span></span>
</td>
<td class="nump">1.17%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAsPercentageOfEndingLoanBalance', window );">Allowance as a percentage of the ending total loan balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.59%<span></span>
</td>
<td class="nump">6.87%<span></span>
</td>
<td class="nump">1.61%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAsPercentageOfEndingLoansInRepayment', window );">Allowance as a percentage of the ending loans in repayment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.47%<span></span>
</td>
<td class="nump">9.48%<span></span>
</td>
<td class="nump">2.23%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs', window );">Allowance coverage of net charge-offs (annualized)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.79<span></span>
</td>
<td class="nump">7.48<span></span>
</td>
<td class="nump">2.04<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsEndingLoans', window );">Ending total loans, gross</a></td>
<td class="nump">20,716,863<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">19,729,337<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 20,716,863<span></span>
</td>
<td class="nump">$ 19,729,337<span></span>
</td>
<td class="nump">$ 23,189,591<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment', window );">Average loans in repayment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,019,869<span></span>
</td>
<td class="nump">15,518,851<span></span>
</td>
<td class="nump">15,605,927<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment', window );">Ending loans in repayment</a></td>
<td class="nump">15,511,212<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,304,821<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,511,212<span></span>
</td>
<td class="nump">14,304,821<span></span>
</td>
<td class="nump">16,787,670<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal', window );">Provisions for unfunded loan commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">264,324<span></span>
</td>
<td class="nump">312,613<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal', window );">Less: provisions for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(34,101)<span></span>
</td>
<td class="nump">93,824<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Cumulative Effect, Period of Adoption, Adjustment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,435,130<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,435,130<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLoss', window );">Day 1 adjustment for the adoption of CECL</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,060,830<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract', window );"><strong>Net charge-offs:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Ending balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,435,130<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_OtherIndustriesExcludingPrivateEducationLoansMember', window );">Other Industries, Excluding Private Education Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs', window );">Total provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,144<span></span>
</td>
<td class="num">(691)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember', window );">FFELP Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,378<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,633<span></span>
</td>
<td class="nump">4,378<span></span>
</td>
<td class="nump">1,633<span></span>
</td>
<td class="nump">977<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments', window );">Transfer from unfunded commitment liability</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision for current period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">412<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableSalesAllowanceForCreditLossReversal', window );">Loan sale reduction to provision</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal', window );">Loans transferred to held-for-sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs', window );">Total provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">412<span></span>
</td>
<td class="nump">1,478<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract', window );"><strong>Net charge-offs:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(321)<span></span>
</td>
<td class="num">(519)<span></span>
</td>
<td class="num">(822)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery', window );">Net charge-offs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(321)<span></span>
</td>
<td class="num">(519)<span></span>
</td>
<td class="num">(822)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesLoansSold', window );">Loan sales</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Ending balance</a></td>
<td class="nump">4,077<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,378<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,077<span></span>
</td>
<td class="nump">4,378<span></span>
</td>
<td class="nump">1,633<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAbstract', window );"><strong>Allowance:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Ending balance: individually evaluated for impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance: collectively evaluated for impairment</a></td>
<td class="nump">4,077<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,378<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,077<span></span>
</td>
<td class="nump">4,378<span></span>
</td>
<td class="nump">1,633<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAbstract', window );"><strong>Loans:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance: individually evaluated for impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance: collectively evaluated for impairment</a></td>
<td class="nump">695,216<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">737,593<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 695,216<span></span>
</td>
<td class="nump">$ 737,593<span></span>
</td>
<td class="nump">$ 783,306<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment', window );">Net charge-offs as a percentage of average loans in repayment (annualized)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.06%<span></span>
</td>
<td class="nump">0.09%<span></span>
</td>
<td class="nump">0.13%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAsPercentageOfEndingLoanBalance', window );">Allowance as a percentage of the ending total loan balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.59%<span></span>
</td>
<td class="nump">0.59%<span></span>
</td>
<td class="nump">0.21%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAsPercentageOfEndingLoansInRepayment', window );">Allowance as a percentage of the ending loans in repayment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.74%<span></span>
</td>
<td class="nump">0.76%<span></span>
</td>
<td class="nump">0.26%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs', window );">Allowance coverage of net charge-offs (annualized)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12.70<span></span>
</td>
<td class="nump">8.44<span></span>
</td>
<td class="nump">1.99<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsEndingLoans', window );">Ending total loans, gross</a></td>
<td class="nump">695,216<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">737,593<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 695,216<span></span>
</td>
<td class="nump">$ 737,593<span></span>
</td>
<td class="nump">$ 783,306<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment', window );">Average loans in repayment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">545,689<span></span>
</td>
<td class="nump">549,584<span></span>
</td>
<td class="nump">631,029<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment', window );">Ending loans in repayment</a></td>
<td class="nump">553,980<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">573,361<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">553,980<span></span>
</td>
<td class="nump">573,361<span></span>
</td>
<td class="nump">617,646<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember', window );">FFELP Loans | Cumulative Effect, Period of Adoption, Adjustment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,485<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,485<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLoss', window );">Day 1 adjustment for the adoption of CECL</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,852<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract', window );"><strong>Net charge-offs:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Ending balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,485<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_CreditCardsMember', window );">Credit Cards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,501<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">102<span></span>
</td>
<td class="nump">1,501<span></span>
</td>
<td class="nump">102<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments', window );">Transfer from unfunded commitment liability</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision for current period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,124<span></span>
</td>
<td class="nump">1,328<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableSalesAllowanceForCreditLossReversal', window );">Loan sale reduction to provision</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal', window );">Loans transferred to held-for-sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs', window );">Total provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,124<span></span>
</td>
<td class="nump">1,328<span></span>
</td>
<td class="nump">103<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract', window );"><strong>Net charge-offs:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(356)<span></span>
</td>
<td class="num">(119)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery', window );">Net charge-offs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(344)<span></span>
</td>
<td class="num">(117)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesLoansSold', window );">Loan sales</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Ending balance</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,501<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,281<span></span>
</td>
<td class="nump">1,501<span></span>
</td>
<td class="nump">102<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAbstract', window );"><strong>Allowance:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Ending balance: individually evaluated for impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance: collectively evaluated for impairment</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,501<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,281<span></span>
</td>
<td class="nump">1,501<span></span>
</td>
<td class="nump">102<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAbstract', window );"><strong>Loans:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance: individually evaluated for impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance: collectively evaluated for impairment</a></td>
<td class="nump">25,014<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,238<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 25,014<span></span>
</td>
<td class="nump">$ 12,238<span></span>
</td>
<td class="nump">$ 3,884<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment', window );">Net charge-offs as a percentage of average loans in repayment (annualized)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.24%<span></span>
</td>
<td class="nump">1.26%<span></span>
</td>
<td class="nump">0.13%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAsPercentageOfEndingLoanBalance', window );">Allowance as a percentage of the ending total loan balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.12%<span></span>
</td>
<td class="nump">12.27%<span></span>
</td>
<td class="nump">2.63%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAsPercentageOfEndingLoansInRepayment', window );">Allowance as a percentage of the ending loans in repayment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.12%<span></span>
</td>
<td class="nump">12.27%<span></span>
</td>
<td class="nump">2.63%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs', window );">Allowance coverage of net charge-offs (annualized)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.63<span></span>
</td>
<td class="nump">12.83<span></span>
</td>
<td class="nump">102.00<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsEndingLoans', window );">Ending total loans, gross</a></td>
<td class="nump">25,014<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,238<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 25,014<span></span>
</td>
<td class="nump">$ 12,238<span></span>
</td>
<td class="nump">$ 3,884<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment', window );">Average loans in repayment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,343<span></span>
</td>
<td class="nump">9,286<span></span>
</td>
<td class="nump">786<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment', window );">Ending loans in repayment</a></td>
<td class="nump">$ 25,014<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,238<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25,014<span></span>
</td>
<td class="nump">12,238<span></span>
</td>
<td class="nump">3,884<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_CreditCardsMember', window );">Credit Cards | Cumulative Effect, Period of Adoption, Adjustment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">290<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">290<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLoss', window );">Day 1 adjustment for the adoption of CECL</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">188<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract', window );"><strong>Net charge-offs:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Ending balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">290<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PersonalLoansMember', window );">Personal Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">65,877<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">65,877<span></span>
</td>
<td class="nump">62,201<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments', window );">Transfer from unfunded commitment liability</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision for current period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40,485<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableSalesAllowanceForCreditLossReversal', window );">Loan sale reduction to provision</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(42,916)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal', window );">Loans transferred to held-for-sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs', window );">Total provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,431)<span></span>
</td>
<td class="nump">72,783<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract', window );"><strong>Net charge-offs:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(39,079)<span></span>
</td>
<td class="num">(74,313)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,984<span></span>
</td>
<td class="nump">5,206<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery', window );">Net charge-offs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(34,095)<span></span>
</td>
<td class="num">(69,107)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesLoansSold', window );">Loan sales</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(108,534)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Ending balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">65,877<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAbstract', window );"><strong>Allowance:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Ending balance: individually evaluated for impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance: collectively evaluated for impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">65,877<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAbstract', window );"><strong>Loans:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance: individually evaluated for impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance: collectively evaluated for impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 1,049,007<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment', window );">Net charge-offs as a percentage of average loans in repayment (annualized)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">6.07%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAsPercentageOfEndingLoanBalance', window );">Allowance as a percentage of the ending total loan balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">6.28%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAsPercentageOfEndingLoansInRepayment', window );">Allowance as a percentage of the ending loans in repayment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">6.28%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs', window );">Allowance coverage of net charge-offs (annualized)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0.95<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsEndingLoans', window );">Ending total loans, gross</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 1,049,007<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment', window );">Average loans in repayment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,138,887<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment', window );">Ending loans in repayment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,049,007<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PersonalLoansMember', window );">Personal Loans | Cumulative Effect, Period of Adoption, Adjustment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 145,060<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 145,060<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLoss', window );">Day 1 adjustment for the adoption of CECL</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">79,183<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract', window );"><strong>Net charge-offs:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Ending balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 145,060<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AllowanceAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AllowanceAsPercentageOfEndingLoanBalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance as a percentage of the ending total loan balance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceAsPercentageOfEndingLoanBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AllowanceAsPercentageOfEndingLoansInRepayment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance as a percentage of the ending loans in repayment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceAsPercentageOfEndingLoansInRepayment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance coverage of charge offs average loans in repayment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AllowanceCoverageOfChargeOffsEndingLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance coverage of charge-offs ending total loans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceCoverageOfChargeOffsEndingLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance coverage of charge-offs Ending loans in repayment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AllowanceForCreditLossesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceForCreditLossesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Annualized allowance on private education loan coverage of charge offs.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Charge offs as percentage of average loans in repayment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ChargeOffsAsPercentageOfAverageLoansInRepayment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable And Off-Balance Sheet, Credit Loss, Expense (Reversal)</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Credit Loss, Expense (Reversal), Before Net Charge Offs</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableCreditLossExpenseReversalBeforeNetChargeOffs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableSalesAllowanceForCreditLossReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Sales, Allowance For Credit Loss, Reversal</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableSalesAllowanceForCreditLossReversal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Off-Balance Sheet, Credit Loss, Liability, Transfer From Unfunded Commitments</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesLoansSold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of reduction of allowance reserve for credit loss arising from sale of loan and lease portfolios.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForLoanAndLeaseLossesLoansSold</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance for credit loss for debt security measured at amortized cost (held-to-maturity).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (aaa)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27232-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after recovery, of writeoff of financing receivable, charged against allowance for credit loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph (a)<br> -Subparagraph (4)<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in allowance for credit loss on financing receivable from recovery.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of writeoff of financing receivable, charged against allowance for credit loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953423-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The balance of financing receivables that were collectively evaluated for impairment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The balance of financing receivables that were individually evaluated for impairment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense reversal of allowance for credit loss on financing receivable transferred to held-for-sale classification.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 310<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=124265262&amp;loc=SL120268815-111004<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=124259787&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense (reversal of expense) for expected credit loss for off-balance sheet credit exposure. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLossesExpensed">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of credit loss expense (reversal of expense) for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLossesExpensed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_OtherIndustriesExcludingPrivateEducationLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_OtherIndustriesExcludingPrivateEducationLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_CreditCardsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_CreditCardsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PersonalLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PersonalLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>94
<FILENAME>R77.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327259240">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses - Additional Information (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Sep. 30, 2021</div></th>
<th class="th"><div>Jun. 30, 2021</div></th>
<th class="th"><div>Mar. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Sep. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Mar. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Jul. 01, 2006</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems', window );"><strong>Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Less: provisions for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (232,708,000)<span></span>
</td>
<td class="nump">$ 190,898,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions', window );">Decrease to provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">126,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfLoansReceivable', window );">Proceeds from sale of loans receivable</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 4,240,000,000<span></span>
</td>
<td class="nump">$ 3,100,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus', window );">Interest rate offered to borrowers facing financial difficulty</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus', window );">Interest rate offered to borrowers facing financial difficulty, period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">2 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAndLeasesReceivablePercentageOfLoansInFullAndInterestRepaymentStatusThatAreSubjectToInterestRateReductions', window );">Percentage of loans in full and interest repayment status that are subject to interest rate reductions</a></td>
<td class="nump">7.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.20%<span></span>
</td>
<td class="nump">7.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring', window );">Percentage of loans granted forbearance (as a percentage)</a></td>
<td class="nump">47.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">47.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">47.00%<span></span>
</td>
<td class="nump">47.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_CriteriaForLoansToBeConsideredAsNonperforming', window );">Criteria for loans to be considered as nonperforming</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">90 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_TierOneofGovernmentGuarantee', window );">Tier 1 of government guarantee (at least)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">97.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PaymentDefaultPeriodForTroubledDebtRestructurings', window );">TDR payment default period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">60 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PeriodofLoansPastDueThatHaveAccruedInterest', window );">Period of loans past due that have accrued interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">90 days<span></span>
</td>
<td class="text">90 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest', window );">Monthly payment that is smaller than the interest accrued on the loan in that month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal', window );">Less: provisions for credit losses</a></td>
<td class="num">$ (15,309,000)<span></span>
</td>
<td class="nump">$ 138,442,000<span></span>
</td>
<td class="nump">$ 69,677,000<span></span>
</td>
<td class="num">$ (225,767,000)<span></span>
</td>
<td class="num">$ (316,372,000)<span></span>
</td>
<td class="num">$ (3,640,000)<span></span>
</td>
<td class="nump">$ 351,887,000<span></span>
</td>
<td class="nump">$ 61,258,000<span></span>
</td>
<td class="num">(32,957,000)<span></span>
</td>
<td class="nump">$ 93,133,000<span></span>
</td>
<td class="nump">$ 354,249,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems', window );"><strong>Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Less: provisions for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(233,852,000)<span></span>
</td>
<td class="nump">148,673,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal', window );">Less: provisions for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(34,101,000)<span></span>
</td>
<td class="nump">93,824,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember', window );">FFELP Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems', window );"><strong>Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Less: provisions for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 20,000<span></span>
</td>
<td class="nump">$ 412,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_TierOneofGovernmentGuarantee', window );">Tier 1 of government guarantee (at least)</a></td>
<td class="nump">97.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">97.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RangeAxis=srt_MaximumMember', window );">Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems', window );"><strong>Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus', window );">Interest rate offered to borrowers facing financial difficulty</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CriteriaForLoansToBeConsideredAsNonperforming">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Criteria for loans to be considered as nonperforming.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CriteriaForLoansToBeConsideredAsNonperforming</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable And Off-Balance Sheet, Credit Loss, Expense (Reversal)</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Credit Loss, Expense (Reversal), Decrease To Provisions</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableCreditLossExpenseReversalDecreaseToProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Period Of Interest Rate Reduction, Financial Difficulty Status</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivablePeriodOfInterestRateReductionFinancialDifficultyStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fixed-Pay Loan, Monthly Payment Amount, Below Monthly Accrued Interest</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansAndLeasesReceivablePercentageOfLoansInFullAndInterestRepaymentStatusThatAreSubjectToInterestRateReductions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans And Leases Receivable, Percentage Of Loans In Full And Interest Repayment Status That Are Subject To Interest Rate Reductions</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansAndLeasesReceivablePercentageOfLoansInFullAndInterestRepaymentStatusThatAreSubjectToInterestRateReductions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans And Leases Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans and Leases Receivable, Impaired, Loans Granted Forbearance Qualified as Trouble Debt Restructuring</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PaymentDefaultPeriodForTroubledDebtRestructurings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Payment Default Period For Troubled Debt Restructurings</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PaymentDefaultPeriodForTroubledDebtRestructurings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PeriodofLoansPastDueThatHaveAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period of Loans Past Due That Have Accrued Interest</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PeriodofLoansPastDueThatHaveAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>[Line Items] for Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Table]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_TierOneofGovernmentGuarantee">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tier One of Government Guarantee</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_TierOneofGovernmentGuarantee</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfLoansReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow associated with the sale of loans receivables arising from the financing of goods and services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfLoansReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLossesExpensed">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of credit loss expense (reversal of expense) for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLossesExpensed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506336591176">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Allowance for Credit Losses - Recorded Investment, Unpaid Principal Balance and Related Allowance for TDR Loans (Details) - TDR Loans - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
<td class="nump">$ 1,093,387<span></span>
</td>
<td class="nump">$ 1,312,805<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
<td class="nump">1,057,665<span></span>
</td>
<td class="nump">1,274,590<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance</a></td>
<td class="nump">$ 47,712<span></span>
</td>
<td class="nump">$ 104,265<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953550-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance for credit losses related to recorded investment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableRelatedAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unpaid principal balance of impaired financing receivables with related allowance for credit losses and without related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_TDRLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_TDRLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
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<FILENAME>R79.htm
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506329981896">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses - Average Recorded Investment and Interest Income Recognized for TDR (Details) - TDR Loans - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
<td class="nump">$ 1,220,739<span></span>
</td>
<td class="nump">$ 1,546,908<span></span>
</td>
<td class="nump">$ 1,434,137<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest Income Recognized</a></td>
<td class="nump">$ 84,822<span></span>
</td>
<td class="nump">$ 100,125<span></span>
</td>
<td class="nump">$ 95,507<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Average amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5212-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5258-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income recognized on a cash-basis method of accounting that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_TDRLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_TDRLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>97
<FILENAME>R80.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506322042152">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Allowance for Credit Losses - Loan Status and Aging of Past Due TDR Loans (Details) - Student Loan - Consumer Portfolio Segment - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract', window );"><strong>TDR loans in repayment and percentage of each status:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedInCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 1</a></td>
<td class="nump">$ 2,253,860<span></span>
</td>
<td class="nump">$ 2,052,521<span></span>
</td>
<td class="nump">$ 2,355,395<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Troubled Debt Restructured Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoanStatusInSchoolGraceAndDefermentRecordedInvestment', window );">TDR loans in in-school/grace/deferment</a></td>
<td class="nump">80,281<span></span>
</td>
<td class="nump">88,750<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear', window );">TDR loans in forbearance</a></td>
<td class="nump">41,464<span></span>
</td>
<td class="nump">76,704<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract', window );"><strong>TDR loans in repayment and percentage of each status:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Loans</a></td>
<td class="nump">1,057,665<span></span>
</td>
<td class="nump">1,274,590<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedInCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 1</a></td>
<td class="nump">$ 935,920<span></span>
</td>
<td class="nump">$ 1,109,136<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentInPercentage', window );">Total TDR loans in repayment</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 1,057,665<span></span>
</td>
<td class="nump">$ 1,274,590<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Loan delinquent, current</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract', window );"><strong>TDR loans in repayment and percentage of each status:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Loans</a></td>
<td class="nump">15,005,773<span></span>
</td>
<td class="nump">13,898,948<span></span>
</td>
<td class="nump">16,315,651<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">15,005,773<span></span>
</td>
<td class="nump">13,898,948<span></span>
</td>
<td class="nump">16,315,651<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Loan delinquent, current | Troubled Debt Restructured Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract', window );"><strong>TDR loans in repayment and percentage of each status:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Loans</a></td>
<td class="nump">$ 832,018<span></span>
</td>
<td class="nump">$ 971,880<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentCurrentInPercentage', window );">Loans current, in percentage</a></td>
<td class="nump">88.90%<span></span>
</td>
<td class="nump">87.70%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 832,018<span></span>
</td>
<td class="nump">$ 971,880<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Loan delinquent 30-59 days</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract', window );"><strong>TDR loans in repayment and percentage of each status:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Loans</a></td>
<td class="nump">308,559<span></span>
</td>
<td class="nump">205,528<span></span>
</td>
<td class="nump">288,051<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">308,559<span></span>
</td>
<td class="nump">205,528<span></span>
</td>
<td class="nump">288,051<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Loan delinquent 30-59 days | Troubled Debt Restructured Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract', window );"><strong>TDR loans in repayment and percentage of each status:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Loans</a></td>
<td class="nump">$ 48,766<span></span>
</td>
<td class="nump">$ 59,249<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePercentPastDue1', window );">Loans delinquent (in percentage)</a></td>
<td class="nump">5.20%<span></span>
</td>
<td class="nump">5.30%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 48,766<span></span>
</td>
<td class="nump">$ 59,249<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Loan delinquent 60-89 days</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract', window );"><strong>TDR loans in repayment and percentage of each status:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Loans</a></td>
<td class="nump">116,947<span></span>
</td>
<td class="nump">119,643<span></span>
</td>
<td class="nump">121,302<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">116,947<span></span>
</td>
<td class="nump">119,643<span></span>
</td>
<td class="nump">121,302<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Loan delinquent 60-89 days | Troubled Debt Restructured Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract', window );"><strong>TDR loans in repayment and percentage of each status:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Loans</a></td>
<td class="nump">$ 30,575<span></span>
</td>
<td class="nump">$ 43,576<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePercentPastDue1', window );">Loans delinquent (in percentage)</a></td>
<td class="nump">3.30%<span></span>
</td>
<td class="nump">3.90%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 30,575<span></span>
</td>
<td class="nump">$ 43,576<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Loan delinquent 90 days or greater past due</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract', window );"><strong>TDR loans in repayment and percentage of each status:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Loans</a></td>
<td class="nump">79,933<span></span>
</td>
<td class="nump">80,702<span></span>
</td>
<td class="nump">62,666<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">79,933<span></span>
</td>
<td class="nump">80,702<span></span>
</td>
<td class="nump">$ 62,666<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Loan delinquent 90 days or greater past due | Troubled Debt Restructured Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract', window );"><strong>TDR loans in repayment and percentage of each status:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Loans</a></td>
<td class="nump">$ 24,561<span></span>
</td>
<td class="nump">$ 34,431<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePercentPastDue1', window );">Loans delinquent (in percentage)</a></td>
<td class="nump">2.60%<span></span>
</td>
<td class="nump">3.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 24,561<span></span>
</td>
<td class="nump">$ 34,431<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Loans In Forbearance, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoanStatusInSchoolGraceAndDefermentRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loan status in school grace and deferment recorded investment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoanStatusInSchoolGraceAndDefermentRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInRepaymentAndPercentageOfEachStatusAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans in repayment and percentage of each status.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInRepaymentAndPercentageOfEachStatusAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInRepaymentCurrentInPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans in repayment current in percentage.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInRepaymentCurrentInPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInRepaymentInPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total loans in repayment, in percentage.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInRepaymentInPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInRepaymentOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total loans in repayment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInRepaymentOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePercentPastDue1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of financing receivable balance that is past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePercentPastDue1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before allowance for credit loss, of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953401-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919253-210447<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919230-210447<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922355-210448<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph (a)<br> -Subparagraph (1)<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph (a)<br> -Subparagraph (2)<br><br>Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1404<br> -Paragraph (a)<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableGross</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=slm_TroubledDebtRestructuredLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=slm_TroubledDebtRestructuredLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<html>
<head>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506336016952">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses - Modified Loan Accounts for TDR (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>Receivables [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Modified Loans</a></td>
<td class="nump">$ 7,410<span></span>
</td>
<td class="nump">$ 207,001<span></span>
</td>
<td class="nump">$ 515,398<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown', window );">Charge-offs</a></td>
<td class="nump">64,682<span></span>
</td>
<td class="nump">71,267<span></span>
</td>
<td class="nump">74,137<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1', window );">Payment-Default</a></td>
<td class="nump">$ 9,626<span></span>
</td>
<td class="nump">$ 75,153<span></span>
</td>
<td class="nump">$ 111,810<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after troubled debt restructuring, of modified financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953676-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable modified as troubled debt restructuring within previous 12 months, with subsequent payment default.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 34<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953682-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Reflects the amount of the write-down related to a troubled debt restructuring.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 40<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121585226&amp;loc=d3e18845-111554<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ReceivablesAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506314229512">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses - Loan Portfolio Stratified by Key Credit Quality Indicators (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Transfer of allowance for funded loans</a></td>
<td class="num">$ (230,268)<span></span>
</td>
<td class="num">$ (245,043)<span></span>
</td>
<td class="num">$ (284,114)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Current period recoveries</a></td>
<td class="nump">29,506<span></span>
</td>
<td class="nump">29,007<span></span>
</td>
<td class="nump">30,971<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery', window );">Net charge-offs</a></td>
<td class="num">(200,762)<span></span>
</td>
<td class="num">(216,036)<span></span>
</td>
<td class="num">(253,143)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear', window );">Current period gross charge-offs, Year 1</a></td>
<td class="num">(1,183)<span></span>
</td>
<td class="num">(1,087)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Current period gross charge-offs, Year 2</a></td>
<td class="num">(8,604)<span></span>
</td>
<td class="num">(10,940)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedTwoYearsBeforeLatestFiscalYear', window );">Current period gross charge-offs, Year 3</a></td>
<td class="num">(23,866)<span></span>
</td>
<td class="num">(27,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear', window );">Current period gross charge-offs, Year 4</a></td>
<td class="num">(32,741)<span></span>
</td>
<td class="num">(35,851)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFourYearsBeforeLatestFiscalYear', window );">Current period gross charge-offs, Year 5</a></td>
<td class="num">(37,186)<span></span>
</td>
<td class="num">(36,416)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Current period gross charge-offs, Year 6</a></td>
<td class="num">(126,011)<span></span>
</td>
<td class="num">(94,032)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Transfer of allowance for funded loans</a></td>
<td class="num">(229,591)<span></span>
</td>
<td class="num">(205,326)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear', window );">Current period recoveries, Year 1</a></td>
<td class="nump">35<span></span>
</td>
<td class="nump">42<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Current period recoveries, Year 2</a></td>
<td class="nump">540<span></span>
</td>
<td class="nump">636<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Current period recoveries, Year 3</a></td>
<td class="nump">2,092<span></span>
</td>
<td class="nump">2,274<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Current period recoveries, Year 4</a></td>
<td class="nump">3,693<span></span>
</td>
<td class="nump">3,585<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear', window );">Current period recoveries, Year 5</a></td>
<td class="nump">4,450<span></span>
</td>
<td class="nump">4,284<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear', window );">Current period recoveries, Year 6</a></td>
<td class="nump">18,684<span></span>
</td>
<td class="nump">13,200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Current period recoveries</a></td>
<td class="nump">29,494<span></span>
</td>
<td class="nump">24,021<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear', window );">Current period net charge-offs, Year 1</a></td>
<td class="num">(1,148)<span></span>
</td>
<td class="num">(1,045)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Current period net charge-offs, Year 2</a></td>
<td class="num">(8,064)<span></span>
</td>
<td class="num">(10,304)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Current period net charge-offs, Year 3</a></td>
<td class="num">(21,774)<span></span>
</td>
<td class="num">(24,726)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Current period net charge-offs, Year 4</a></td>
<td class="num">(29,048)<span></span>
</td>
<td class="num">(32,266)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear', window );">Current period net charge-offs, Year 5</a></td>
<td class="num">(32,736)<span></span>
</td>
<td class="num">(32,132)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear', window );">Current period net charge-offs, Year 6</a></td>
<td class="num">(107,327)<span></span>
</td>
<td class="num">(80,832)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery', window );">Net charge-offs</a></td>
<td class="num">(200,097)<span></span>
</td>
<td class="num">(181,305)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear', window );">Total accrued interest by origination vintage, Year 1</a></td>
<td class="nump">109,233<span></span>
</td>
<td class="nump">90,438<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Total accrued interest by origination vintage, Year 2</a></td>
<td class="nump">247,418<span></span>
</td>
<td class="nump">265,688<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear', window );">Total accrued interest by origination vintage, Year 3</a></td>
<td class="nump">270,242<span></span>
</td>
<td class="nump">252,251<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear', window );">Total accrued interest by origination vintage, Year 4</a></td>
<td class="nump">198,816<span></span>
</td>
<td class="nump">209,178<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear', window );">Total accrued interest by origination vintage, Year 5</a></td>
<td class="nump">131,685<span></span>
</td>
<td class="nump">141,094<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Total accrued interest by origination vintage, Year 6</a></td>
<td class="nump">229,729<span></span>
</td>
<td class="nump">210,247<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss', window );">Total accrued interest by origination vintage</a></td>
<td class="nump">1,187,123<span></span>
</td>
<td class="nump">1,168,896<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Loan delinquent, current</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">2,234,876<span></span>
</td>
<td class="nump">2,043,033<span></span>
</td>
<td class="nump">2,340,221<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">2,786,646<span></span>
</td>
<td class="nump">2,573,228<span></span>
</td>
<td class="nump">3,159,878<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">2,321,728<span></span>
</td>
<td class="nump">2,045,012<span></span>
</td>
<td class="nump">2,781,132<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">1,772,651<span></span>
</td>
<td class="nump">1,850,539<span></span>
</td>
<td class="nump">2,566,815<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">1,570,815<span></span>
</td>
<td class="nump">1,685,572<span></span>
</td>
<td class="nump">2,225,721<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">4,319,057<span></span>
</td>
<td class="nump">3,701,564<span></span>
</td>
<td class="nump">3,241,884<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">15,005,773<span></span>
</td>
<td class="nump">13,898,948<span></span>
</td>
<td class="nump">16,315,651<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Loan delinquent 30-59 days</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">15,148<span></span>
</td>
<td class="nump">6,400<span></span>
</td>
<td class="nump">11,152<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">29,146<span></span>
</td>
<td class="nump">16,983<span></span>
</td>
<td class="nump">26,096<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">46,616<span></span>
</td>
<td class="nump">26,934<span></span>
</td>
<td class="nump">44,382<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">43,197<span></span>
</td>
<td class="nump">30,771<span></span>
</td>
<td class="nump">51,656<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">41,695<span></span>
</td>
<td class="nump">33,040<span></span>
</td>
<td class="nump">54,559<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">132,757<span></span>
</td>
<td class="nump">91,400<span></span>
</td>
<td class="nump">100,206<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">308,559<span></span>
</td>
<td class="nump">205,528<span></span>
</td>
<td class="nump">288,051<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Loan delinquent 60-89 days</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">3,194<span></span>
</td>
<td class="nump">2,628<span></span>
</td>
<td class="nump">3,087<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">7,441<span></span>
</td>
<td class="nump">9,143<span></span>
</td>
<td class="nump">9,527<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">14,044<span></span>
</td>
<td class="nump">15,026<span></span>
</td>
<td class="nump">17,048<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">14,310<span></span>
</td>
<td class="nump">18,121<span></span>
</td>
<td class="nump">21,161<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">16,425<span></span>
</td>
<td class="nump">19,064<span></span>
</td>
<td class="nump">24,562<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">61,533<span></span>
</td>
<td class="nump">55,661<span></span>
</td>
<td class="nump">45,917<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">116,947<span></span>
</td>
<td class="nump">119,643<span></span>
</td>
<td class="nump">121,302<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Loan delinquent 90 days or greater past due</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">642<span></span>
</td>
<td class="nump">460<span></span>
</td>
<td class="nump">935<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">3,683<span></span>
</td>
<td class="nump">4,642<span></span>
</td>
<td class="nump">3,850<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">8,453<span></span>
</td>
<td class="nump">9,396<span></span>
</td>
<td class="nump">7,818<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">10,632<span></span>
</td>
<td class="nump">12,939<span></span>
</td>
<td class="nump">12,314<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">11,935<span></span>
</td>
<td class="nump">14,710<span></span>
</td>
<td class="nump">12,946<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">44,588<span></span>
</td>
<td class="nump">38,555<span></span>
</td>
<td class="nump">24,803<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">79,933<span></span>
</td>
<td class="nump">80,702<span></span>
</td>
<td class="nump">62,666<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | With cosigner</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">3,263,892<span></span>
</td>
<td class="nump">2,915,328<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">3,604,553<span></span>
</td>
<td class="nump">3,467,219<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">2,778,262<span></span>
</td>
<td class="nump">2,556,400<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">2,025,463<span></span>
</td>
<td class="nump">2,262,635<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">1,765,719<span></span>
</td>
<td class="nump">1,977,952<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">4,753,775<span></span>
</td>
<td class="nump">4,198,748<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 18,191,664<span></span>
</td>
<td class="nump">$ 17,378,282<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentOfPrivateLoans', window );">Private education loans</a></td>
<td class="nump">88.00%<span></span>
</td>
<td class="nump">88.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Without cosigner</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 558,469<span></span>
</td>
<td class="nump">$ 527,437<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">561,730<span></span>
</td>
<td class="nump">559,629<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">438,263<span></span>
</td>
<td class="nump">384,111<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">294,597<span></span>
</td>
<td class="nump">277,159<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">212,514<span></span>
</td>
<td class="nump">211,270<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">459,626<span></span>
</td>
<td class="nump">391,449<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 2,525,199<span></span>
</td>
<td class="nump">$ 2,351,055<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentOfPrivateLoans', window );">Private education loans</a></td>
<td class="nump">12.00%<span></span>
</td>
<td class="nump">12.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Cosigners</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 3,822,361<span></span>
</td>
<td class="nump">$ 3,442,765<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">4,166,283<span></span>
</td>
<td class="nump">4,026,848<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">3,216,525<span></span>
</td>
<td class="nump">2,940,511<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">2,320,060<span></span>
</td>
<td class="nump">2,539,794<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">1,978,233<span></span>
</td>
<td class="nump">2,189,222<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">5,213,401<span></span>
</td>
<td class="nump">4,590,197<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 20,716,863<span></span>
</td>
<td class="nump">$ 19,729,337<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PrivateEducationLoansGrossPercentage', window );">Total in percent</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | School Type/FICO Scores</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 3,822,361<span></span>
</td>
<td class="nump">$ 3,442,765<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">4,166,283<span></span>
</td>
<td class="nump">4,026,848<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">3,216,525<span></span>
</td>
<td class="nump">2,940,511<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">2,320,060<span></span>
</td>
<td class="nump">2,539,794<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">1,978,233<span></span>
</td>
<td class="nump">2,189,222<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">5,213,401<span></span>
</td>
<td class="nump">4,590,197<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 20,716,863<span></span>
</td>
<td class="nump">$ 19,729,337<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PrivateEducationLoansGrossPercentage', window );">Total in percent</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | School Type/FICO Scores | FICO score less than 670</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 248,368<span></span>
</td>
<td class="nump">$ 195,214<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">238,005<span></span>
</td>
<td class="nump">290,711<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">251,157<span></span>
</td>
<td class="nump">225,276<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">193,123<span></span>
</td>
<td class="nump">197,948<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">166,048<span></span>
</td>
<td class="nump">162,413<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">428,416<span></span>
</td>
<td class="nump">369,609<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 1,525,117<span></span>
</td>
<td class="nump">$ 1,441,171<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">7.00%<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | School Type/FICO Scores | FICO score 670-699</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 508,264<span></span>
</td>
<td class="nump">$ 464,785<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">564,497<span></span>
</td>
<td class="nump">594,950<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">493,237<span></span>
</td>
<td class="nump">441,357<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">363,313<span></span>
</td>
<td class="nump">407,394<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">329,807<span></span>
</td>
<td class="nump">351,303<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">884,981<span></span>
</td>
<td class="nump">771,477<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 3,144,099<span></span>
</td>
<td class="nump">$ 3,031,266<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">15.00%<span></span>
</td>
<td class="nump">16.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | School Type/FICO Scores | FICO score 700-749</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 1,210,833<span></span>
</td>
<td class="nump">$ 1,111,373<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">1,348,269<span></span>
</td>
<td class="nump">1,310,390<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">1,057,001<span></span>
</td>
<td class="nump">967,802<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">770,452<span></span>
</td>
<td class="nump">846,983<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">660,270<span></span>
</td>
<td class="nump">740,028<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">1,753,709<span></span>
</td>
<td class="nump">1,533,517<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 6,800,534<span></span>
</td>
<td class="nump">$ 6,510,093<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">33.00%<span></span>
</td>
<td class="nump">33.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | School Type/FICO Scores | FICO score greater than 750</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 1,854,896<span></span>
</td>
<td class="nump">$ 1,671,393<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">2,015,512<span></span>
</td>
<td class="nump">1,830,797<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">1,415,130<span></span>
</td>
<td class="nump">1,306,076<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">993,172<span></span>
</td>
<td class="nump">1,087,469<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">822,108<span></span>
</td>
<td class="nump">935,478<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">2,146,295<span></span>
</td>
<td class="nump">1,915,594<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 9,247,113<span></span>
</td>
<td class="nump">$ 8,746,807<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">45.00%<span></span>
</td>
<td class="nump">44.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 3,822,361<span></span>
</td>
<td class="nump">$ 3,442,765<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">4,166,283<span></span>
</td>
<td class="nump">4,026,848<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">3,216,525<span></span>
</td>
<td class="nump">2,940,511<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">2,320,060<span></span>
</td>
<td class="nump">2,539,794<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">1,978,233<span></span>
</td>
<td class="nump">2,189,222<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">5,213,401<span></span>
</td>
<td class="nump">4,590,197<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 20,716,863<span></span>
</td>
<td class="nump">$ 19,729,337<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PrivateEducationLoansGrossPercentage', window );">Total in percent</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | FICO score less than 670</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 326,613<span></span>
</td>
<td class="nump">$ 240,154<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">279,578<span></span>
</td>
<td class="nump">331,229<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">273,652<span></span>
</td>
<td class="nump">301,784<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">235,684<span></span>
</td>
<td class="nump">298,195<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">233,022<span></span>
</td>
<td class="nump">293,077<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">739,268<span></span>
</td>
<td class="nump">734,599<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 2,087,817<span></span>
</td>
<td class="nump">$ 2,199,038<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">10.00%<span></span>
</td>
<td class="nump">11.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | FICO score 670-699</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 506,021<span></span>
</td>
<td class="nump">$ 438,665<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">475,674<span></span>
</td>
<td class="nump">493,135<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">365,133<span></span>
</td>
<td class="nump">336,966<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">256,400<span></span>
</td>
<td class="nump">283,906<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">209,536<span></span>
</td>
<td class="nump">231,759<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">570,605<span></span>
</td>
<td class="nump">504,779<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 2,383,369<span></span>
</td>
<td class="nump">$ 2,289,210<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">12.00%<span></span>
</td>
<td class="nump">12.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | FICO score 700-749</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 1,209,493<span></span>
</td>
<td class="nump">$ 1,102,666<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">1,285,015<span></span>
</td>
<td class="nump">1,248,806<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">978,763<span></span>
</td>
<td class="nump">871,677<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">682,024<span></span>
</td>
<td class="nump">734,222<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">568,766<span></span>
</td>
<td class="nump">603,160<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">1,448,692<span></span>
</td>
<td class="nump">1,220,468<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 6,172,753<span></span>
</td>
<td class="nump">$ 5,780,999<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">30.00%<span></span>
</td>
<td class="nump">29.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | FICO score greater than 750</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 1,780,234<span></span>
</td>
<td class="nump">$ 1,661,280<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">2,126,016<span></span>
</td>
<td class="nump">1,953,678<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">1,598,977<span></span>
</td>
<td class="nump">1,430,084<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">1,145,952<span></span>
</td>
<td class="nump">1,223,471<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">966,909<span></span>
</td>
<td class="nump">1,061,226<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">2,454,836<span></span>
</td>
<td class="nump">2,130,351<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 10,072,924<span></span>
</td>
<td class="nump">$ 9,460,090<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">48.00%<span></span>
</td>
<td class="nump">48.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Seasoning</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 3,822,361<span></span>
</td>
<td class="nump">$ 3,442,765<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">4,166,283<span></span>
</td>
<td class="nump">4,026,848<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">3,216,525<span></span>
</td>
<td class="nump">2,940,511<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">2,320,060<span></span>
</td>
<td class="nump">2,539,794<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">1,978,233<span></span>
</td>
<td class="nump">2,189,222<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">5,213,401<span></span>
</td>
<td class="nump">4,590,197<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 20,716,863<span></span>
</td>
<td class="nump">$ 19,729,337<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent', window );">Seasoning based on monthly scheduled payments due from 1-12 payments, in percent</a></td>
<td class="nump">22.00%<span></span>
</td>
<td class="nump">23.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent', window );">Seasoning based on monthly scheduled payments due from 13 - 24 payments, in percent</a></td>
<td class="nump">17.00%<span></span>
</td>
<td class="nump">17.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent', window );">Seasoning based on monthly scheduled payments due from 25 - 36 payments, in percent</a></td>
<td class="nump">12.00%<span></span>
</td>
<td class="nump">12.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent', window );">Seasoning based on monthly scheduled payments due from 37 - 48 payments, in percent</a></td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">9.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent', window );">Seasoning based on monthly scheduled payments due from more than 48 payments, in percent</a></td>
<td class="nump">16.00%<span></span>
</td>
<td class="nump">15.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent', window );">Seasoning - based on monthly scheduled payments due from not yet in repayment, in percent</a></td>
<td class="nump">25.00%<span></span>
</td>
<td class="nump">24.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PrivateEducationLoansGrossPercentage', window );">Total in percent</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Seasoning | 1-12 payments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 2,265,811<span></span>
</td>
<td class="nump">$ 2,068,517<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">594,850<span></span>
</td>
<td class="nump">600,038<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">515,328<span></span>
</td>
<td class="nump">469,143<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">385,246<span></span>
</td>
<td class="nump">472,258<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">340,242<span></span>
</td>
<td class="nump">381,197<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">501,269<span></span>
</td>
<td class="nump">507,343<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">4,602,746<span></span>
</td>
<td class="nump">4,498,496<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Seasoning | 13-24 payments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">163<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">2,287,737<span></span>
</td>
<td class="nump">2,096,635<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">362,674<span></span>
</td>
<td class="nump">383,977<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">203,674<span></span>
</td>
<td class="nump">223,332<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">211,064<span></span>
</td>
<td class="nump">217,379<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">479,540<span></span>
</td>
<td class="nump">425,345<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">3,544,689<span></span>
</td>
<td class="nump">3,346,831<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Seasoning | 25-36 payments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">173<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">1,565,203<span></span>
</td>
<td class="nump">1,353,567<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">312,049<span></span>
</td>
<td class="nump">370,250<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">164,575<span></span>
</td>
<td class="nump">181,940<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">482,369<span></span>
</td>
<td class="nump">439,337<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">2,524,369<span></span>
</td>
<td class="nump">2,345,094<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Seasoning | 37-48 payments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">983,434<span></span>
</td>
<td class="nump">965,476<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">295,206<span></span>
</td>
<td class="nump">351,433<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">464,563<span></span>
</td>
<td class="nump">402,552<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">1,743,203<span></span>
</td>
<td class="nump">1,719,461<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Seasoning | More than 48 payments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">671,138<span></span>
</td>
<td class="nump">729,510<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">2,726,304<span></span>
</td>
<td class="nump">2,310,905<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">3,397,442<span></span>
</td>
<td class="nump">3,040,415<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Seasoning | Not yet in repayment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">1,556,550<span></span>
</td>
<td class="nump">1,374,085<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">1,283,523<span></span>
</td>
<td class="nump">1,330,175<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">773,320<span></span>
</td>
<td class="nump">733,824<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">435,657<span></span>
</td>
<td class="nump">508,478<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">296,008<span></span>
</td>
<td class="nump">327,763<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">559,356<span></span>
</td>
<td class="nump">504,715<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">4,904,414<span></span>
</td>
<td class="nump">4,779,040<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | Loans In-School/Grace/Deferment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">1,556,550<span></span>
</td>
<td class="nump">1,374,085<span></span>
</td>
<td class="nump">1,670,644<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">1,283,523<span></span>
</td>
<td class="nump">1,330,175<span></span>
</td>
<td class="nump">1,580,513<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">773,320<span></span>
</td>
<td class="nump">733,824<span></span>
</td>
<td class="nump">1,010,764<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">435,657<span></span>
</td>
<td class="nump">508,478<span></span>
</td>
<td class="nump">635,798<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">296,008<span></span>
</td>
<td class="nump">327,763<span></span>
</td>
<td class="nump">375,585<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">559,356<span></span>
</td>
<td class="nump">504,715<span></span>
</td>
<td class="nump">414,101<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">$ 4,904,414<span></span>
</td>
<td class="nump">4,779,040<span></span>
</td>
<td class="nump">$ 5,687,405<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan, Borrowers Who Did Not Return To School And Received Extenstion | Loans In-School/Grace/Deferment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 401,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Accrued Interest, Origination Interest, Originated Five or More Years before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Accrued Interest, Origination Vintage, before Allowance for Credit Loss</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Accrued interest, Origination Vintage, Originated Four Years before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Accrued Interest, Origination Vintage, Originated in Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Accrued Interest, Origination Vintage, Originated in Fiscal Year before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Accrued interest, Origination Vintage, Originated Three Years before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Accrued interest, Origination Vintage, Originated Two Years before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Recovery, Originated Five Or More Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Recovery, Originated Four Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Recovery, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Recovery, Originated In Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Recovery, Originated Three Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Recovery, Originated Two Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Five Or More Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Four Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated In Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Three Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Two Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Writeoff, Originated Five Or More Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFourYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Writeoff, Originated Four Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedFourYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Writeoff, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Writeoff, Originated In Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Writeoff, Originated Three Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedThreeYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedTwoYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Writeoff, Originated Two Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossWriteoffOriginatedTwoYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentOfPrivateLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percent of private loans</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentOfPrivateLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PrivateEducationLoansAtOrigination">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Private Education Loans At Origination</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PrivateEducationLoansAtOrigination</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PrivateEducationLoansGrossPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Private education loans gross in percent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PrivateEducationLoansGrossPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Seasoning based on monthly scheduled payments due from more than forty eight payments in percent</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Seasoning based on monthly scheduled payments due from not yet in repayment in percent</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Seasoning based on monthly scheduled payments due from one to twelve payments in percent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Seasoning based on monthly scheduled payments due from thirteen to twenty four payments in percent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Seasoning based on monthly scheduled payments due from thirty seven to forty eight payments in percent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Seasoning based on monthly scheduled payments due from thirteen to twenty four payments in percent</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after recovery, of writeoff of financing receivable, charged against allowance for credit loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph (a)<br> -Subparagraph (4)<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in allowance for credit loss on financing receivable from recovery.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of writeoff of financing receivable, charged against allowance for credit loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953423-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable originated more than five years prior to current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919232-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable originated four years prior to current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919232-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable originated in current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919232-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable originated in fiscal year prior to current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919232-210447<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable originated three years prior to current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919232-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable originated two years prior to current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919232-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before allowance for credit loss, of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953401-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919253-210447<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919230-210447<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922355-210448<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph (a)<br> -Subparagraph (1)<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph (a)<br> -Subparagraph (2)<br><br>Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1404<br> -Paragraph (a)<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CreditQualityIndicatorsAxis=slm_WithCosignerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CreditQualityIndicatorsAxis=slm_WithCosignerMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CreditQualityIndicatorsAxis=slm_WithoutCosignerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CreditQualityIndicatorsAxis=slm_WithoutCosignerMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CreditQualityIndicatorsAxis=slm_CosignerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CreditQualityIndicatorsAxis=slm_CosignerMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CreditQualityIndicatorsAxis=slm_SchoolFicoMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CreditQualityIndicatorsAxis=slm_SchoolFicoMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditScoreFicoAxis=slm_FICOscorelessthan670Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CreditScoreFicoAxis=slm_FICOscorelessthan670Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditScoreFicoAxis=slm_FICOscore670699Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CreditScoreFicoAxis=slm_FICOscore670699Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditScoreFicoAxis=slm_FICOscore700749Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CreditScoreFicoAxis=slm_FICOscore700749Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditScoreFicoAxis=slm_FICOscoregreaterthan750Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CreditScoreFicoAxis=slm_FICOscoregreaterthan750Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CreditQualityIndicatorsAxis=slm_SchoolFICORefreshedAmountsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CreditQualityIndicatorsAxis=slm_SchoolFICORefreshedAmountsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CreditQualityIndicatorsAxis=slm_RepaymentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CreditQualityIndicatorsAxis=slm_RepaymentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CollateralAxis=slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CollateralAxis=slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CollateralAxis=slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CollateralAxis=slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CollateralAxis=slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CollateralAxis=slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CollateralAxis=slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CollateralAxis=slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CollateralAxis=slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CollateralAxis=slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
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<td style="white-space:nowrap;">us-gaap_CollateralAxis=slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td style="white-space:nowrap;">slm_CreditQualityIndicatorsAxis=slm_LoansInSchoolGraceDefermentMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<DOCUMENT>
<TYPE>XML
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<FILENAME>R83.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506319702952">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Allowance for Credit Losses - Age Analysis of Past Due Loans Delinquencies (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Private Education Loans allowance for losses</a></td>
<td class="num">$ (1,165,335)<span></span>
</td>
<td class="num">$ (1,361,723)<span></span>
</td>
<td class="num">$ (441,912)<span></span>
</td>
<td class="num">$ (341,121)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment, net</a></td>
<td class="nump">$ 20,341,283<span></span>
</td>
<td class="nump">$ 19,183,143<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear', window );">Percentage of Private Education Loans in repayment, Year 1</a></td>
<td class="nump">59.00%<span></span>
</td>
<td class="nump">59.60%<span></span>
</td>
<td class="nump">58.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Percentage of Private Education Loans in repayment, Year 2</a></td>
<td class="nump">67.90%<span></span>
</td>
<td class="nump">64.70%<span></span>
</td>
<td class="nump">65.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear', window );">Percentage of Private Education Loans in repayment, Year 3</a></td>
<td class="nump">74.30%<span></span>
</td>
<td class="nump">71.30%<span></span>
</td>
<td class="nump">71.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear', window );">Percentage of Private Education Loans in repayment, Year 4</a></td>
<td class="nump">79.30%<span></span>
</td>
<td class="nump">75.30%<span></span>
</td>
<td class="nump">77.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear', window );">Percentage of Private Education Loans in repayment, Year 5</a></td>
<td class="nump">82.90%<span></span>
</td>
<td class="nump">80.00%<span></span>
</td>
<td class="nump">82.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Percentage of Private Education Loans in repayment, Year 6</a></td>
<td class="nump">87.40%<span></span>
</td>
<td class="nump">84.70%<span></span>
</td>
<td class="nump">85.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss', window );">Percentage of Private Education Loans in repayment</a></td>
<td class="nump">74.90%<span></span>
</td>
<td class="nump">72.50%<span></span>
</td>
<td class="nump">72.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear', window );">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 1</a></td>
<td class="nump">0.80%<span></span>
</td>
<td class="nump">0.50%<span></span>
</td>
<td class="nump">0.60%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 2</a></td>
<td class="nump">1.40%<span></span>
</td>
<td class="nump">1.20%<span></span>
</td>
<td class="nump">1.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 3</a></td>
<td class="nump">2.90%<span></span>
</td>
<td class="nump">2.40%<span></span>
</td>
<td class="nump">2.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 4</a></td>
<td class="nump">3.70%<span></span>
</td>
<td class="nump">3.20%<span></span>
</td>
<td class="nump">3.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear', window );">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 5</a></td>
<td class="nump">4.30%<span></span>
</td>
<td class="nump">3.80%<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear', window );">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 6</a></td>
<td class="nump">5.20%<span></span>
</td>
<td class="nump">4.80%<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DelinquenciesAsPercentageOfLoansInRepayment', window );">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, total</a></td>
<td class="nump">3.30%<span></span>
</td>
<td class="nump">2.80%<span></span>
</td>
<td class="nump">2.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance', window );">Loans in forbearance as a percentage of loans in repayment and forbearance, Year 1</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="nump">0.80%<span></span>
</td>
<td class="nump">0.90%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Loans in forbearance as a percentage of loans in repayment and forbearance, Year 2</a></td>
<td class="nump">1.90%<span></span>
</td>
<td class="nump">3.40%<span></span>
</td>
<td class="nump">3.30%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Loans in forbearance as a percentage of loans in repayment and forbearance, Year 3</a></td>
<td class="nump">2.10%<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
<td class="nump">4.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Loans in forbearance as a percentage of loans in repayment and forbearance, Year 4</a></td>
<td class="nump">2.30%<span></span>
</td>
<td class="nump">5.90%<span></span>
</td>
<td class="nump">5.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear', window );">Loans in forbearance as a percentage of loans in repayment and forbearance, Year 5</a></td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">5.90%<span></span>
</td>
<td class="nump">5.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear', window );">Loans in forbearance as a percentage of loans in repayment and forbearance, Year 6</a></td>
<td class="nump">2.10%<span></span>
</td>
<td class="nump">4.90%<span></span>
</td>
<td class="nump">4.70%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance', window );">Loans in forbearance as a percentage of loans in repayment and forbearance</a></td>
<td class="nump">1.90%<span></span>
</td>
<td class="nump">4.30%<span></span>
</td>
<td class="nump">4.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Student Loan | Consumer Portfolio Segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedInCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 1</a></td>
<td class="nump">$ 2,253,860<span></span>
</td>
<td class="nump">$ 2,052,521<span></span>
</td>
<td class="nump">$ 2,355,395<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Total Private Education Loans in forbearance, Year 2</a></td>
<td class="nump">2,826,916<span></span>
</td>
<td class="nump">2,603,996<span></span>
</td>
<td class="nump">3,199,351<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 3</a></td>
<td class="nump">2,390,841<span></span>
</td>
<td class="nump">2,096,368<span></span>
</td>
<td class="nump">2,850,380<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 4</a></td>
<td class="nump">1,840,790<span></span>
</td>
<td class="nump">1,912,370<span></span>
</td>
<td class="nump">2,651,946<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 5</a></td>
<td class="nump">1,640,870<span></span>
</td>
<td class="nump">1,752,386<span></span>
</td>
<td class="nump">2,317,788<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 6</a></td>
<td class="nump">4,557,935<span></span>
</td>
<td class="nump">3,887,180<span></span>
</td>
<td class="nump">3,412,810<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentBeforeAllowanceForCreditLoss', window );">Private Education Loans in forbearance, total</a></td>
<td class="nump">15,511,212<span></span>
</td>
<td class="nump">14,304,821<span></span>
</td>
<td class="nump">16,787,670<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansGrossOriginatedInCurrentFiscalYear', window );">Total Private Education Loans, gross, Year 1</a></td>
<td class="nump">3,822,361<span></span>
</td>
<td class="nump">3,442,765<span></span>
</td>
<td class="nump">4,047,048<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Total Private Education Loans, gross, Year 2</a></td>
<td class="nump">4,166,283<span></span>
</td>
<td class="nump">4,026,848<span></span>
</td>
<td class="nump">4,888,373<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, gross, Year 3</a></td>
<td class="nump">3,216,525<span></span>
</td>
<td class="nump">2,940,511<span></span>
</td>
<td class="nump">4,003,485<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, gross, Year 4</a></td>
<td class="nump">2,320,060<span></span>
</td>
<td class="nump">2,539,794<span></span>
</td>
<td class="nump">3,433,858<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, gross, Year 5</a></td>
<td class="nump">1,978,233<span></span>
</td>
<td class="nump">2,189,222<span></span>
</td>
<td class="nump">2,821,172<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, gross, Year 6</a></td>
<td class="nump">5,213,401<span></span>
</td>
<td class="nump">4,590,197<span></span>
</td>
<td class="nump">3,995,655<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansGrossBeforeAllowanceForCreditLoss', window );">Total Private Education Loans, gross</a></td>
<td class="nump">20,716,863<span></span>
</td>
<td class="nump">19,729,337<span></span>
</td>
<td class="nump">23,189,591<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 1</a></td>
<td class="nump">22,169<span></span>
</td>
<td class="nump">21,129<span></span>
</td>
<td class="nump">23,661<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 2</a></td>
<td class="nump">16,067<span></span>
</td>
<td class="nump">13,933<span></span>
</td>
<td class="nump">17,699<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 3</a></td>
<td class="nump">9,575<span></span>
</td>
<td class="nump">8,671<span></span>
</td>
<td class="nump">13,843<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 4</a></td>
<td class="nump">5,918<span></span>
</td>
<td class="nump">6,708<span></span>
</td>
<td class="nump">12,304<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 5</a></td>
<td class="nump">4,588<span></span>
</td>
<td class="nump">5,721<span></span>
</td>
<td class="nump">8,564<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 6</a></td>
<td class="nump">9,171<span></span>
</td>
<td class="nump">7,313<span></span>
</td>
<td class="nump">5,153<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Total</a></td>
<td class="nump">67,488<span></span>
</td>
<td class="nump">63,475<span></span>
</td>
<td class="nump">81,224<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansOriginatedInCurrentFiscalYear', window );">Total Private Education Loans, Year 1</a></td>
<td class="nump">3,844,530<span></span>
</td>
<td class="nump">3,463,894<span></span>
</td>
<td class="nump">4,070,709<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Total Private Education Loans, Year 2</a></td>
<td class="nump">4,182,350<span></span>
</td>
<td class="nump">4,040,781<span></span>
</td>
<td class="nump">4,906,072<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans, Year 3</a></td>
<td class="nump">3,226,100<span></span>
</td>
<td class="nump">2,949,182<span></span>
</td>
<td class="nump">4,017,328<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, Year 4</a></td>
<td class="nump">2,325,978<span></span>
</td>
<td class="nump">2,546,502<span></span>
</td>
<td class="nump">3,446,162<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, Year 5</a></td>
<td class="nump">1,982,821<span></span>
</td>
<td class="nump">2,194,943<span></span>
</td>
<td class="nump">2,829,736<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, Year 6</a></td>
<td class="nump">5,222,572<span></span>
</td>
<td class="nump">4,597,510<span></span>
</td>
<td class="nump">4,000,808<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansBeforeAllowanceForCreditLoss', window );">Total Private Education Loans</a></td>
<td class="nump">20,784,351<span></span>
</td>
<td class="nump">19,792,812<span></span>
</td>
<td class="nump">23,270,815<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear', window );">Private Education Loans allowance for losses, Year 1</a></td>
<td class="num">(248,102)<span></span>
</td>
<td class="num">(210,875)<span></span>
</td>
<td class="num">(3,013)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear', window );">Private Education Loans allowance for losses, Year 2</a></td>
<td class="num">(239,507)<span></span>
</td>
<td class="num">(298,776)<span></span>
</td>
<td class="num">(19,105)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Private Education Loans allowance for losses, Year 3</a></td>
<td class="num">(195,223)<span></span>
</td>
<td class="num">(218,136)<span></span>
</td>
<td class="num">(44,858)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Private Education Loans allowance for losses, Year 4</a></td>
<td class="num">(129,678)<span></span>
</td>
<td class="num">(184,265)<span></span>
</td>
<td class="num">(71,598)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear', window );">Private Education Loans allowance for losses, Year 5</a></td>
<td class="num">(99,982)<span></span>
</td>
<td class="num">(150,150)<span></span>
</td>
<td class="num">(80,974)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear', window );">Private Education Loans allowance for losses, Year 6</a></td>
<td class="num">(246,485)<span></span>
</td>
<td class="num">(293,642)<span></span>
</td>
<td class="num">(154,752)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Private Education Loans allowance for losses</a></td>
<td class="num">(1,158,977)<span></span>
</td>
<td class="num">(1,355,844)<span></span>
</td>
<td class="num">(374,300)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear', window );">Private Education Loans, net, Year 1</a></td>
<td class="nump">3,596,428<span></span>
</td>
<td class="nump">3,253,019<span></span>
</td>
<td class="nump">4,067,696<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Private Education Loans, net, Year 2</a></td>
<td class="nump">3,942,843<span></span>
</td>
<td class="nump">3,742,005<span></span>
</td>
<td class="nump">4,886,967<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Private Education Loans, net, Year 3</a></td>
<td class="nump">3,030,877<span></span>
</td>
<td class="nump">2,731,046<span></span>
</td>
<td class="nump">3,972,470<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Private Education Loans, net, Year 4</a></td>
<td class="nump">2,196,300<span></span>
</td>
<td class="nump">2,362,237<span></span>
</td>
<td class="nump">3,374,564<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear', window );">Private Education Loans, net, Year 5</a></td>
<td class="nump">1,882,839<span></span>
</td>
<td class="nump">2,044,793<span></span>
</td>
<td class="nump">2,748,762<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear', window );">Private Education Loans, net, Year 6</a></td>
<td class="nump">4,976,087<span></span>
</td>
<td class="nump">4,303,868<span></span>
</td>
<td class="nump">3,846,056<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment, net</a></td>
<td class="nump">19,625,374<span></span>
</td>
<td class="nump">18,436,968<span></span>
</td>
<td class="nump">22,896,515<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Student Loan | Consumer Portfolio Segment | Loan delinquent, current</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">2,234,876<span></span>
</td>
<td class="nump">2,043,033<span></span>
</td>
<td class="nump">2,340,221<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">2,786,646<span></span>
</td>
<td class="nump">2,573,228<span></span>
</td>
<td class="nump">3,159,878<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">2,321,728<span></span>
</td>
<td class="nump">2,045,012<span></span>
</td>
<td class="nump">2,781,132<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">1,772,651<span></span>
</td>
<td class="nump">1,850,539<span></span>
</td>
<td class="nump">2,566,815<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">1,570,815<span></span>
</td>
<td class="nump">1,685,572<span></span>
</td>
<td class="nump">2,225,721<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">4,319,057<span></span>
</td>
<td class="nump">3,701,564<span></span>
</td>
<td class="nump">3,241,884<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">15,005,773<span></span>
</td>
<td class="nump">13,898,948<span></span>
</td>
<td class="nump">16,315,651<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Student Loan | Consumer Portfolio Segment | Loan delinquent 30-59 days</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">15,148<span></span>
</td>
<td class="nump">6,400<span></span>
</td>
<td class="nump">11,152<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">29,146<span></span>
</td>
<td class="nump">16,983<span></span>
</td>
<td class="nump">26,096<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">46,616<span></span>
</td>
<td class="nump">26,934<span></span>
</td>
<td class="nump">44,382<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">43,197<span></span>
</td>
<td class="nump">30,771<span></span>
</td>
<td class="nump">51,656<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">41,695<span></span>
</td>
<td class="nump">33,040<span></span>
</td>
<td class="nump">54,559<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">132,757<span></span>
</td>
<td class="nump">91,400<span></span>
</td>
<td class="nump">100,206<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">308,559<span></span>
</td>
<td class="nump">205,528<span></span>
</td>
<td class="nump">288,051<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Student Loan | Consumer Portfolio Segment | Loan delinquent 60-89 days</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">3,194<span></span>
</td>
<td class="nump">2,628<span></span>
</td>
<td class="nump">3,087<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">7,441<span></span>
</td>
<td class="nump">9,143<span></span>
</td>
<td class="nump">9,527<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">14,044<span></span>
</td>
<td class="nump">15,026<span></span>
</td>
<td class="nump">17,048<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">14,310<span></span>
</td>
<td class="nump">18,121<span></span>
</td>
<td class="nump">21,161<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">16,425<span></span>
</td>
<td class="nump">19,064<span></span>
</td>
<td class="nump">24,562<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">61,533<span></span>
</td>
<td class="nump">55,661<span></span>
</td>
<td class="nump">45,917<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">116,947<span></span>
</td>
<td class="nump">119,643<span></span>
</td>
<td class="nump">121,302<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Student Loan | Consumer Portfolio Segment | Loan delinquent 90 days or greater past due</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">642<span></span>
</td>
<td class="nump">460<span></span>
</td>
<td class="nump">935<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">3,683<span></span>
</td>
<td class="nump">4,642<span></span>
</td>
<td class="nump">3,850<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">8,453<span></span>
</td>
<td class="nump">9,396<span></span>
</td>
<td class="nump">7,818<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">10,632<span></span>
</td>
<td class="nump">12,939<span></span>
</td>
<td class="nump">12,314<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">11,935<span></span>
</td>
<td class="nump">14,710<span></span>
</td>
<td class="nump">12,946<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">44,588<span></span>
</td>
<td class="nump">38,555<span></span>
</td>
<td class="nump">24,803<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">79,933<span></span>
</td>
<td class="nump">80,702<span></span>
</td>
<td class="nump">62,666<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Student Loan | Loans In-School/Grace/Deferment | Consumer Portfolio Segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">1,556,550<span></span>
</td>
<td class="nump">1,374,085<span></span>
</td>
<td class="nump">1,670,644<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Year 2</a></td>
<td class="nump">1,283,523<span></span>
</td>
<td class="nump">1,330,175<span></span>
</td>
<td class="nump">1,580,513<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear', window );">Year 3</a></td>
<td class="nump">773,320<span></span>
</td>
<td class="nump">733,824<span></span>
</td>
<td class="nump">1,010,764<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear', window );">Year 4</a></td>
<td class="nump">435,657<span></span>
</td>
<td class="nump">508,478<span></span>
</td>
<td class="nump">635,798<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear', window );">Year 5</a></td>
<td class="nump">296,008<span></span>
</td>
<td class="nump">327,763<span></span>
</td>
<td class="nump">375,585<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Year 6</a></td>
<td class="nump">559,356<span></span>
</td>
<td class="nump">504,715<span></span>
</td>
<td class="nump">414,101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total</a></td>
<td class="nump">4,904,414<span></span>
</td>
<td class="nump">4,779,040<span></span>
</td>
<td class="nump">5,687,405<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember', window );">Student Loan | Loans In Forbearance | Consumer Portfolio Segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 1</a></td>
<td class="nump">11,951<span></span>
</td>
<td class="nump">16,159<span></span>
</td>
<td class="nump">21,009<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 2</a></td>
<td class="nump">55,844<span></span>
</td>
<td class="nump">92,677<span></span>
</td>
<td class="nump">108,509<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 3</a></td>
<td class="nump">52,364<span></span>
</td>
<td class="nump">110,319<span></span>
</td>
<td class="nump">142,341<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 4</a></td>
<td class="nump">43,613<span></span>
</td>
<td class="nump">118,946<span></span>
</td>
<td class="nump">146,114<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 5</a></td>
<td class="nump">41,355<span></span>
</td>
<td class="nump">109,073<span></span>
</td>
<td class="nump">127,799<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 6</a></td>
<td class="nump">96,110<span></span>
</td>
<td class="nump">198,302<span></span>
</td>
<td class="nump">168,744<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss', window );">Private Education Loans in forbearance, total</a></td>
<td class="nump">301,237<span></span>
</td>
<td class="nump">645,476<span></span>
</td>
<td class="nump">714,516<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PersonalLoansMember', window );">Personal Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Private Education Loans allowance for losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (65,877)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_StudentLoanBorrowersWhoDidNotReturnToSchoolAndReceivedExtenstionMember', window );">Student Loan, Borrowers Who Did Not Return To School And Received Extenstion | Consumer Portfolio Segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedInCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 1</a></td>
<td class="nump">$ 609,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_StudentLoanBorrowersWhoDidNotReturnToSchoolAndReceivedExtenstionMember', window );">Student Loan, Borrowers Who Did Not Return To School And Received Extenstion | Loans In-School/Grace/Deferment | Consumer Portfolio Segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear', window );">Year 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">401,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_StudentLoanBorrowersWhoDidNotReturnToSchoolAndReceivedExtenstionMember', window );">Student Loan, Borrowers Who Did Not Return To School And Received Extenstion | Loans In Forbearance | Consumer Portfolio Segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 30,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DelinquenciesAsPercentageOfLoansInRepayment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Delinquencies as a percentage of loans in repayment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DelinquenciesAsPercentageOfLoansInRepayment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Delinquencies As Percentage Of Loans In Repayment, Originated Five Or More Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Delinquencies As Percentage Of Loans In Repayment, Originated Four Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Delinquencies As Percentage Of Loans In Repayment, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Delinquencies As Percentage Of Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Delinquencies As Percentage Of Loans In Repayment, Originated Three Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Delinquencies As Percentage Of Loans In Repayment, Originated Two Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, after Allowance for Credit Loss, Originated Five Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, after Allowance for Credit Loss, Originated Four Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, after Allowance for Credit Loss, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, after Allowance for Credit Loss, Originated In Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, after Allowance for Credit Loss, Originated Three Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, after Allowance for Credit Loss, Originated Two Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance For Credit Loss, Originated Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance For Credit Loss, Originated Five Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance For Credit Loss, Originated Four Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance For Credit Loss, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance For Credit Loss, Originated Three Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance For Credit Loss, Originated Two Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Loans In Forbearance, before Allowance for Credit Loss</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Loans In Forbearance, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Loans In Forbearance, Year Five, Originated, Four Years before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Loans In Forbearance, Year Four, Originated, Three Years before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Loans In Forbearance, Year Six, Originated, More Than Six Years before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Loans In Forbearance, Year Three, Originated, Two Years before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Loans In Forbearance, Year Two, Originated, Fiscal Year before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans, Before Allowance For Credit Loss</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansGrossBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Gross, Before Allowance For Credit Loss</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansGrossBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Gross, Originated Five Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Gross, Originated Four Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansGrossOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Gross, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansGrossOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Gross, Originated In Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Gross, Originated Three Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Gross, Originated Two Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Five Or More Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Four Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated In Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Three Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Two Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans in forbearance as a percentage of loans in repayment and forbearance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInRepaymentBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans In Repayment, Before Allowance For Credit Loss</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInRepaymentBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans In Repayment, Originated Five Or More Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans In Repayment, Originated Four Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInRepaymentOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total loans in repayment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInRepaymentOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans In Repayment, Originated Three Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans In Repayment, Originated Two Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans, Originated Five Or More Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans, Originated Four Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansOriginatedFourYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans, Originated In Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans, Originated Three Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans, Originated Two Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Unamortized Premium Or Discount, Before Allowance For Credit Loss</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Unamortized Premium Or Discount, Originated Five Or More Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Unamortized Premium Or Discount, Originated Four Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Unamortized Premium Or Discount, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Unamortized Premium Or Discount, Originated In Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Unamortized Premium Or Discount, Originated Three Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Unamortized Premium Or Discount, Originated Two Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Loans In Repayment, Before Allowance For Credit Loss</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Loans In Repayment, Originated Five Or More Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Loans In Repayment, Originated Four Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Loans In Repayment, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Loans In Repayment, Originated Three Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Loans In Repayment, Originated Two Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, after allowance for credit loss, of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable originated more than five years prior to current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919232-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable originated four years prior to current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919232-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable originated in current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919232-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable originated in fiscal year prior to current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919232-210447<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable originated three years prior to current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919232-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable originated two years prior to current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919232-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before allowance for credit loss, of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953401-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 79<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922352-210448<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919253-210447<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919230-210447<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=124267575&amp;loc=SL82922355-210448<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph (a)<br> -Subparagraph (1)<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph (a)<br> -Subparagraph (2)<br><br>Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1404<br> -Paragraph (a)<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CreditQualityIndicatorsAxis=slm_LoansInSchoolGraceDefermentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CreditQualityIndicatorsAxis=slm_LoansInSchoolGraceDefermentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CreditQualityIndicatorsAxis=slm_LoansInForbearanceMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CreditQualityIndicatorsAxis=slm_LoansInForbearanceMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PersonalLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PersonalLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_StudentLoanBorrowersWhoDidNotReturnToSchoolAndReceivedExtenstionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_StudentLoanBorrowersWhoDidNotReturnToSchoolAndReceivedExtenstionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>101
<FILENAME>R84.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326826024">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Allowance for Credit Losses - Accrued Interest Receivable (Detail) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>Receivables [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AccruedInterestReceivableOnPrivateEducationLoans', window );">Total Interest Receivable</a></td>
<td class="nump">$ 1,187,123<span></span>
</td>
<td class="nump">$ 1,168,895<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable', window );">90 Days and Greater Past Due</a></td>
<td class="nump">3,635<span></span>
</td>
<td class="nump">4,354<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceForUncollectibleAccruedInterest', window );">Allowance for Uncollectible Interest</a></td>
<td class="nump">$ 4,937<span></span>
</td>
<td class="nump">$ 4,467<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AccruedInterestReceivableOnPrivateEducationLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Accrued interest receivable on private education loans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AccruedInterestReceivableOnPrivateEducationLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AllowanceForUncollectibleAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance For Uncollectible Accrued Interest</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceForUncollectibleAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Greater than ninety days past due accrued interest receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReceivablesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ReceivablesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>102
<FILENAME>R85.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506329684696">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Unfunded Loan Commitments (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditLossAbstract', window );"><strong>Credit Loss [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualObligation', window );">Contractual obligation</a></td>
<td class="nump">$ 1,800,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAbstract', window );"><strong>Allowance:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Beginning balance</a></td>
<td class="nump">110,044<span></span>
</td>
<td class="nump">$ 2,481<span></span>
</td>
<td class="nump">$ 2,165<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal', window );">Provisions for unfunded loan commitments</a></td>
<td class="nump">232,822<span></span>
</td>
<td class="nump">311,659<span></span>
</td>
<td class="nump">5,937<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit', window );">Other provision items</a></td>
<td class="nump">31,502<span></span>
</td>
<td class="nump">954<span></span>
</td>
<td class="nump">596<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityWriteoff', window );">Transfer - funded loans</a></td>
<td class="num">(301,655)<span></span>
</td>
<td class="num">(320,808)<span></span>
</td>
<td class="num">(6,217)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Ending balance</a></td>
<td class="nump">72,713<span></span>
</td>
<td class="nump">110,044<span></span>
</td>
<td class="nump">2,481<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_UnfundedCommitmentsAbstract', window );"><strong>Unfunded Commitments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Beginning balance</a></td>
<td class="nump">1,673,018<span></span>
</td>
<td class="nump">1,910,603<span></span>
</td>
<td class="nump">2,010,744<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments', window );">Provision/New commitments - net</a></td>
<td class="nump">5,512,841<span></span>
</td>
<td class="nump">5,070,175<span></span>
</td>
<td class="nump">5,513,790<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityOther', window );">Other provision items</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded', window );">Transfer - funded loans</a></td>
<td class="num">(5,408,883)<span></span>
</td>
<td class="num">(5,307,760)<span></span>
</td>
<td class="num">(5,613,931)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Ending balance</a></td>
<td class="nump">$ 1,776,976<span></span>
</td>
<td class="nump">1,673,018<span></span>
</td>
<td class="nump">1,910,603<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember', window );">Cumulative Effect, Period of Adoption, Adjustment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAbstract', window );"><strong>Allowance:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">115,758<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Ending balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">115,758<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_UnfundedCommitmentsAbstract', window );"><strong>Unfunded Commitments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Ending balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember', window );">Cumulative Effect, Period Of Adoption, Adjusted Balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AllowanceAbstract', window );"><strong>Allowance:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">118,239<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Ending balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">118,239<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_UnfundedCommitmentsAbstract', window );"><strong>Unfunded Commitments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,910,603<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Ending balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,910,603<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AllowanceAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability, Additional Commitments</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability, Commitments Funded</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability, Other</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Off-Balance Sheet, Credit Loss, Liability, Other Provision (Benefit)</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_OffBalanceSheetCreditLossLiabilityOtherProvisionBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_OffBalanceSheetCreditLossLiabilityWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Off-Balance Sheet, Credit Loss, Liability, Writeoff</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_OffBalanceSheetCreditLossLiabilityWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_UnfundedCommitmentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Unfunded Commitments</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_UnfundedCommitmentsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ContractualObligation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of contractual obligation, including but not limited to, long-term debt, capital lease obligations, operating lease obligations, purchase obligations, and other commitments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ContractualObligation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditLossAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CreditLossAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The fair value of financial liabilities, which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=123594938&amp;loc=d3e13433-108611<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OffBalanceSheetCreditLossLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expected credit loss for credit exposure on off-balance-sheet commitment, including but not limited to, loan commitment, standby letter of credit, financial guarantee not accounted for as insurance. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 460<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121611286&amp;loc=d3e11927-110247<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82919202-210446<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OffBalanceSheetCreditLossLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense (reversal of expense) for expected credit loss for off-balance sheet credit exposure. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124255953&amp;loc=SL82919249-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506321680792">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Premises and Equipment, Net - Schedule of Premises and Equipment (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
<td class="nump">$ 253,321<span></span>
</td>
<td class="nump">$ 238,099<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Accumulated depreciation</a></td>
<td class="num">(102,805)<span></span>
</td>
<td class="num">(83,429)<span></span>
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<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, net</a></td>
<td class="nump">150,516<span></span>
</td>
<td class="nump">154,670<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandAndLandImprovementsMember', window );">Land and land improvements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
<td class="nump">12,356<span></span>
</td>
<td class="nump">12,356<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember', window );">Buildings and leasehold improvements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
<td class="nump">122,300<span></span>
</td>
<td class="nump">120,971<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember', window );">Furniture, fixtures, and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
<td class="nump">29,955<span></span>
</td>
<td class="nump">28,272<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_SoftwareAndSoftwareDevelopmentCostsMember', window );">Software</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
<td class="nump">$ 88,710<span></span>
</td>
<td class="nump">$ 76,500<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_SoftwareAndSoftwareDevelopmentCostsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>104
<FILENAME>R87.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327010040">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Premises and Equipment, Net - Additional Information (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Property, Plant and Equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation of premises and equipment</a></td>
<td class="nump">$ 16,043<span></span>
</td>
<td class="nump">$ 15,066<span></span>
</td>
<td class="nump">$ 14,669<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Depreciation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Depreciation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>105
<FILENAME>R88.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
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</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506329919928">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits - Summary of Total Deposits (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>Deposits [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositLiabilities', window );">Deposits - interest bearing</a></td>
<td class="nump">$ 20,826,692<span></span>
</td>
<td class="nump">$ 22,664,899<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilities', window );">Deposits - non-interest bearing</a></td>
<td class="nump">1,432<span></span>
</td>
<td class="nump">1,140<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
<td class="nump">$ 20,828,124<span></span>
</td>
<td class="nump">$ 22,666,039<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Deposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate of all domestic and foreign interest-bearing deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDepositLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDepositLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestBearingDepositLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>106
<FILENAME>R89.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506320729688">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits - Additional Information (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>Deposits [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Deposits</a></td>
<td class="nump">$ 20,828,124<span></span>
</td>
<td class="nump">$ 22,666,039<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_BrokeredDeposits', window );">Brokered deposits</a></td>
<td class="nump">10,100,000<span></span>
</td>
<td class="nump">11,900,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_RetailandOtherDeposits', window );">Retail and other deposits</a></td>
<td class="nump">10,700,000<span></span>
</td>
<td class="nump">10,800,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_StableInterestbearingDepositsTotal', window );">Aggregate of deposits of individual depositors</a></td>
<td class="nump">7,300,000<span></span>
</td>
<td class="nump">7,100,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_BrokeredDepositPlacementFee', window );">Brokered deposit placement fee</a></td>
<td class="nump">16,000<span></span>
</td>
<td class="nump">19,000<span></span>
</td>
<td class="nump">$ 18,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ThirdPartyBrokerFeesPaid', window );">Third party broker fees paid</a></td>
<td class="nump">13,000<span></span>
</td>
<td class="nump">5,000<span></span>
</td>
<td class="nump">$ 28,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsAtOrAboveFDICInsuranceLimit', window );">Deposits exceeding FDIC insurance limits</a></td>
<td class="nump">743,000<span></span>
</td>
<td class="nump">571,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPayableCurrent', window );">Accrued interest on deposits</a></td>
<td class="nump">$ 35,000<span></span>
</td>
<td class="nump">$ 50,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_BrokeredDepositPlacementFee">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Brokered Deposit Placement Fee</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_BrokeredDepositPlacementFee</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_BrokeredDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Brokered Deposits</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_BrokeredDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_RetailandOtherDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Retail and Other Deposits</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_RetailandOtherDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_StableInterestbearingDepositsTotal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Stable Interest-bearing Deposits, Total</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_StableInterestbearingDepositsTotal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_ThirdPartyBrokerFeesPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Third Party Broker Fees Paid</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ThirdPartyBrokerFeesPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Deposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPayableCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying value as of the balance sheet date of [accrued] interest payable on all forms of debt, including trade payables, that has been incurred and is unpaid. Used to reflect the current portion of the liabilities (due within one year or within the normal operating cycle if longer).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=124098289&amp;loc=d3e7018-107765<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=124098289&amp;loc=d3e6935-107765<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.20)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestPayableCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositsAtOrAboveFDICInsuranceLimit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit liabilities, including certificates of deposit, in denominations that meet or exceed the Federal Deposit Insurance Corporation (FDIC) insurance limit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116652737&amp;loc=d3e64164-112818<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositsAtOrAboveFDICInsuranceLimit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506337442472">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits - Interest Bearing Deposits (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract', window );"><strong>Interest-bearing Deposit Liabilities, Domestic, by Component [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositMoneyMarket', window );">Money market</a></td>
<td class="nump">$ 10,473,569<span></span>
</td>
<td class="nump">$ 10,159,657<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositSavings', window );">Savings</a></td>
<td class="nump">959,122<span></span>
</td>
<td class="nump">907,976<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositTimeDeposits', window );">Certificates of deposit</a></td>
<td class="nump">9,394,001<span></span>
</td>
<td class="nump">11,597,266<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositLiabilities', window );">Deposits - interest bearing</a></td>
<td class="nump">$ 20,826,692<span></span>
</td>
<td class="nump">$ 22,664,899<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract', window );"><strong>Year-End Weighted Average Stated Rate</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket', window );">Money market</a></td>
<td class="nump">0.69%<span></span>
</td>
<td class="nump">0.83%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageRateDomesticDepositSavings', window );">Savings</a></td>
<td class="nump">0.43%<span></span>
</td>
<td class="nump">0.55%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageRateDomesticDepositTimeDeposits', window );">Certificates of deposit</a></td>
<td class="nump">1.20%<span></span>
</td>
<td class="nump">1.34%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate of all domestic and foreign interest-bearing deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDepositLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositMoneyMarket">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest-bearing domestic money market demand account deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDomesticDepositMoneyMarket</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositSavings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest-bearing domestic savings deposit liabilities. Saving deposits bear interest and have no stated maturity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDomesticDepositSavings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositTimeDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest-bearing domestic time deposits. Time deposits bear interest for a fixed, stated period of time and include certificate of deposits and individual retirement accounts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDomesticDepositTimeDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average interest rate for domestic money market demand account deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageRateDomesticDepositMoneyMarket</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageRateDomesticDepositSavings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average interest rate for domestic savings deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageRateDomesticDepositSavings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageRateDomesticDepositTimeDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average interest rate for domestic time deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageRateDomesticDepositTimeDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506319425336">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits - Certificates of Deposits Maturities (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsByMaturityAbstract', window );"><strong>Time Deposits, Fiscal Year Maturity [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">One year or less</a></td>
<td class="nump">$ 4,407,370<span></span>
</td>
<td class="nump">$ 5,728,556<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">After one year to two years</a></td>
<td class="nump">2,297,955<span></span>
</td>
<td class="nump">3,363,022<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">After two years to three years</a></td>
<td class="nump">1,299,461<span></span>
</td>
<td class="nump">1,603,229<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">After three years to four years</a></td>
<td class="nump">299,737<span></span>
</td>
<td class="nump">553,911<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFive', window );">After four years to five years</a></td>
<td class="nump">1,042,065<span></span>
</td>
<td class="nump">300,346<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesAfterYearFive', window );">After five years</a></td>
<td class="nump">47,413<span></span>
</td>
<td class="nump">48,202<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
<td class="nump">$ 9,394,001<span></span>
</td>
<td class="nump">$ 11,597,266<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesAfterYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing after fifth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123465755&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesAfterYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in fifth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123465755&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFour">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in fourth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123465755&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearFour</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearOne">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in next fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123465755&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearOne</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in third fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123465755&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in second fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123465755&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit liabilities, including certificates of deposit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116652737&amp;loc=d3e64164-112818<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositsByMaturityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositsByMaturityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506337241080">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Borrowings - Secured Borrowings (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityAbstract', window );"><strong>Secured borrowings:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">5,930,990<span></span>
</td>
<td class="nump">5,189,217<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">5,930,990<span></span>
</td>
<td class="nump">5,189,217<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_ABCPBorrowingsMember', window );">ABCP borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityAbstract', window );"><strong>Secured borrowings:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_UnsecuredDebtMember', window );">Unsecured borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityAbstract', window );"><strong>Secured borrowings:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">986,138<span></span>
</td>
<td class="nump">692,879<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">986,138<span></span>
</td>
<td class="nump">692,879<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_SecuredDebtMember', window );">Secured borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityAbstract', window );"><strong>Secured borrowings:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">4,944,852<span></span>
</td>
<td class="nump">4,496,338<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">4,944,852<span></span>
</td>
<td class="nump">4,496,338<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_SecuredDebtMember', window );">Secured borrowings | Private Education Loan term securitizations:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityAbstract', window );"><strong>Secured borrowings:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">4,944,852<span></span>
</td>
<td class="nump">4,496,338<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">4,944,852<span></span>
</td>
<td class="nump">4,496,338<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_SecuredDebtMember', window );">Secured borrowings | ABCP borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityAbstract', window );"><strong>Secured borrowings:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_SecuredDebtMember', window );">Secured borrowings | Fixed Income Interest Rate | Private Education Loan term securitizations:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityAbstract', window );"><strong>Secured borrowings:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">3,897,996<span></span>
</td>
<td class="nump">3,261,233<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">3,897,996<span></span>
</td>
<td class="nump">3,261,233<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_SecuredDebtMember', window );">Secured borrowings | Variable Income Interest Rate | Private Education Loan term securitizations:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityAbstract', window );"><strong>Secured borrowings:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">1,046,856<span></span>
</td>
<td class="nump">1,235,105<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">$ 1,046,856<span></span>
</td>
<td class="nump">$ 1,235,105<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtLongtermAndShorttermCombinedAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the aggregate of total long-term debt, including current maturities and short-term debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtLongtermAndShorttermCombinedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466204&amp;loc=SL6031897-161870<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69C<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495737-112612<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69B<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495735-112612<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495340-112611<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermBorrowings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_ABCPBorrowingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_ABCPBorrowingsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=us-gaap_UnsecuredDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_UnsecuredDebtMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=us-gaap_SecuredDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_SecuredDebtMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoanSecuritizationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoanSecuritizationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TradingActivityByTypeAxis=us-gaap_FixedIncomeInterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TradingActivityByTypeAxis=us-gaap_FixedIncomeInterestRateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TradingActivityByTypeAxis=us-gaap_VariableIncomeInterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TradingActivityByTypeAxis=us-gaap_VariableIncomeInterestRateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506319349256">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings - Short Term Borrowings (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jul. 30, 2021</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtWeightedAverageInterestRate', window );">Weighted Average Interest Rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtAverageOutstandingAmount', window );">Average Balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 122,396,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateDuringPeriod', window );">Weighted Average Interest Rate(1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.78%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount', window );">Maximum outstanding at any month end</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 199,651,000<span></span>
</td>
<td class="nump">289,230,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityIncreaseDecreaseForPeriodNet', window );">Borrowing limit increase</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,000,000,000<span></span>
</td>
<td class="nump">2,000,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueApril52022Member', window );">Senior Unsecured Notes Due April 5, 2022</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtWeightedAverageInterestRate', window );">Weighted Average Interest Rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtAverageOutstandingAmount', window );">Average Balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 122,396,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateDuringPeriod', window );">Weighted Average Interest Rate(1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.78%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_ABCPBorrowingsMember', window );">Secured Borrowing Facility</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="text">&#160;<span></span>
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<td class="nump">$ 0<span></span>
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<td class="nump">$ 0<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ContractualMaturity', window );">Contractual maturity related to ABCP facility</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">2 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtWeightedAverageInterestRate', window );">Weighted Average Interest Rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
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</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtAverageOutstandingAmount', window );">Average Balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 45,820,000<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateDuringPeriod', window );">Weighted Average Interest Rate(1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">24.99%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditFacilityAxis=us-gaap_CommercialPaperMember', window );">Commercial Paper | Secured Borrowing Facility</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity', window );">Private education loan funding</a></td>
<td class="nump">$ 2,000,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_OwnershipInterestPercentage', window );">Ownership interest percentage</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_ContractualMaturity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Contractual Maturity</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ContractualMaturity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_OwnershipInterestPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ownership Interest Percentage</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_OwnershipInterestPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentInterestRateDuringPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The average effective interest rate during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=124435984&amp;loc=d3e28551-108399<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495355-112611<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentInterestRateDuringPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityIncreaseDecreaseForPeriodNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) of the credit facility.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(f))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityIncreaseDecreaseForPeriodNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Maximum borrowing capacity under the credit facility without consideration of any current restrictions on the amount that could be borrowed or the amounts currently outstanding under the facility.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(b),22(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermBorrowings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermDebtLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtWeightedAverageInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate of short-term debt outstanding calculated at point in time.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermDebtWeightedAverageInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShorttermDebtAverageOutstandingAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For the form of debt having an initial term of less than one year or less than the normal operating cycle, if longer, average borrowings during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (a)<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (b)<br> -Subparagraph (1)<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShorttermDebtAverageOutstandingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For the form of debt having an initial term of less than one year or less than the normal operating cycle, if longer, maximum month-end borrowings during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueApril52022Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueApril52022Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_ABCPBorrowingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_ABCPBorrowingsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditFacilityAxis=us-gaap_CommercialPaperMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CreditFacilityAxis=us-gaap_CommercialPaperMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>111
<FILENAME>R94.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506313212488">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings - Long Term Borrowings (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Nov. 15, 2021</div></th>
<th class="th"><div>Nov. 09, 2021</div></th>
<th class="th"><div>Nov. 01, 2021</div></th>
<th class="th"><div>Aug. 18, 2021</div></th>
<th class="th"><div>May 19, 2021</div></th>
<th class="th"><div>Aug. 12, 2020</div></th>
<th class="th"><div>Feb. 12, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Nov. 30, 2021</div></th>
<th class="th"><div>Aug. 31, 2021</div></th>
<th class="th"><div>May 31, 2021</div></th>
<th class="th"><div>Oct. 29, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Total Issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,592,000,000<span></span>
</td>
<td class="nump">$ 1,343,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt', window );">Unsecured debt issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 492,135,000<span></span>
</td>
<td class="nump">$ 495,000,000<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_EstimatedWeightedAverageLifeOfStudentLoans', window );">Estimated weighted average life of student loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years 8 months 12 days<span></span>
</td>
<td class="text">5 years 4 months 24 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueApril52022Member', window );">Senior Unsecured Notes Due April 5, 2022 | Unsecured Debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Total Issued</a></td>
<td class="nump">$ 200,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest rate</a></td>
<td class="nump">5.125%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentRedemptionPricePercentage', window );">Redemption price</a></td>
<td class="nump">101.39%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainsLossesOnExtinguishmentOfDebt', window );">Loss on early extinguishment of unsecured debt</a></td>
<td class="num">$ (3,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueOctober292025Member', window );">Senior Unsecured Notes Due October 29, 2025 | Unsecured Debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Total Issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 495,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 500,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.20%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueNovember22026Member', window );">Senior Unsecured Notes Due November 2, 2026 | Unsecured Debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Total Issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 500,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">491,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.125%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentIssuancePricePercentage', window );">Issuance price</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">99.43%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021BMember', window );">2021-B</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Total Issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 531,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization', window );">Private education loan term accounted for as a secured financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 531,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding', window );">Loans sold to third parties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 531,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage', window );">Ownership interest percentage on asset-backed financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt', window );">Unsecured debt issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 529,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_EstimatedWeightedAverageLifeOfStudentLoans', window );">Estimated weighted average life of student loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years 3 months 3 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansPledgedAsCollateral', window );">Loans pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">496,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Principal amount of collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">467,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">29,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021BMember', window );">2021-B | London Interbank Offered Rate (LIBOR)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1', window );">Basis spread on variable rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.77%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021DMember', window );">2021-D</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Total Issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 527,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization', window );">Private education loan term accounted for as a secured financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 527,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding', window );">Loans sold to third parties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 527,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage', window );">Ownership interest percentage on asset-backed financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt', window );">Unsecured debt issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 525,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_EstimatedWeightedAverageLifeOfStudentLoans', window );">Estimated weighted average life of student loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years 2 months 19 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansPledgedAsCollateral', window );">Loans pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">515,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Principal amount of collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">485,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021DMember', window );">2021-D | London Interbank Offered Rate (LIBOR)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1', window );">Basis spread on variable rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.69%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021EMember', window );">2021-E</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Total Issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 534,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization', window );">Private education loan term accounted for as a secured financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 534,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding', window );">Loans sold to third parties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 534,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage', window );">Ownership interest percentage on asset-backed financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt', window );">Unsecured debt issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 532,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_EstimatedWeightedAverageLifeOfStudentLoans', window );">Estimated weighted average life of student loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years 1 month 24 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansPledgedAsCollateral', window );">Loans pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">533,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Principal amount of collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">502,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">31,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021EMember', window );">2021-E | London Interbank Offered Rate (LIBOR)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1', window );">Basis spread on variable rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.69%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoans2020TermAMember', window );">Private Education Loans 2020 Term A</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization', window );">Private education loan term accounted for as a secured financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 636,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding', window );">Loans sold to third parties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 636,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage', window );">Ownership interest percentage on asset-backed financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt', window );">Unsecured debt issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 634,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_EstimatedWeightedAverageLifeOfStudentLoans', window );">Estimated weighted average life of student loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years 2 months 4 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansPledgedAsCollateral', window );">Loans pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">496,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Principal amount of collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">469,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">27,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoans2020TermAMember', window );">Private Education Loans 2020 Term A | London Interbank Offered Rate (LIBOR)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1', window );">Basis spread on variable rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.88%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoans2020TermBMember', window );">Private Education Loans 2020 Term B</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization', window );">Private education loan term accounted for as a secured financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 707,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding', window );">Loans sold to third parties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 707,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage', window );">Ownership interest percentage on asset-backed financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt', window );">Unsecured debt issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 705,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_EstimatedWeightedAverageLifeOfStudentLoans', window );">Estimated weighted average life of student loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years 1 month 20 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansPledgedAsCollateral', window );">Loans pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">615,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Principal amount of collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">581,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">34,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoans2020TermBMember', window );">Private Education Loans 2020 Term B | London Interbank Offered Rate (LIBOR)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1', window );">Basis spread on variable rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.30%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_ABSTransactionsMember', window );">ABS Transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization', window );">Private education loan term accounted for as a secured financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 6,900,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization', window );">Private education loan term accounted for as a secured financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,600,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Principal amount of collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,500,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 141,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DebtInstrumentIssuancePricePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Debt Instrument, Issuance Price, Percentage</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DebtInstrumentIssuancePricePercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_EstimatedWeightedAverageLifeOfStudentLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Estimated weighted average life of student loans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_EstimatedWeightedAverageLifeOfStudentLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansPledgedAsCollateralCapitalizedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Pledged As Collateral, Capitalized Interest</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansPledgedAsCollateralCapitalizedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansPledgedAsCollateralPrincipalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Pledged As Collateral, Principal Amount</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansPledgedAsCollateralPrincipalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Securitized or Asset-Backed Financing Arrangement, Ownership Interest, Percentage</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansSecuritizedorAssetBackedFinancingArrangementOwnershipInterestPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Principal amount of transferred financial assets in which the transferor has continuing involvement with the assets underlying the transaction. Continuing involvement includes, but is not limited to, servicing, recourse, and restrictions on transferor's interests in transferred financial assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121570589&amp;loc=d3e107314-111719<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage points added to the reference rate to compute the variable rate on the debt instrument.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentBasisSpreadOnVariableRate1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentFaceAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face (par) amount of debt instrument at time of issuance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495323-112611<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=124435984&amp;loc=d3e28551-108399<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 55<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=114775985&amp;loc=d3e28878-108400<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124429444&amp;loc=SL124452920-239629<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69C<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495737-112612<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69B<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495735-112612<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentFaceAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentInterestRateStatedPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Contractual interest rate for funds borrowed, under the debt agreement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495323-112611<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentInterestRateStatedPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentRedemptionPricePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage price of original principal amount of debt at which debt can be redeemed by the issuer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 50<br> -Paragraph 3<br> -Subparagraph e<br> -URI http://asc.fasb.org/extlink&amp;oid=123599511&amp;loc=d3e64711-112823<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentRedemptionPricePercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainsLossesOnExtinguishmentOfDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Difference between the fair value of payments made and the carrying amount of debt which is extinguished prior to maturity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 50<br> -Section 40<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=123467658&amp;loc=d3e12355-112629<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 50<br> -Section 40<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467658&amp;loc=d3e12317-112629<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainsLossesOnExtinguishmentOfDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansPledgedAsCollateral">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of loans that have been pledged as collateral for borrowings. If the secured party has the right by contract or custom to sell or re-pledge the collateral, then the debtor reclassifies that asset and report that asset in its statement of financial position separately from other assets not so encumbered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=66007379&amp;loc=d3e113888-111728<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5086-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansPledgedAsCollateral</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This is the principal amount outstanding for loans which are in the process of being securitized as of the date of the statement of financial position (across all types of loans).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121570589&amp;loc=d3e107314-111719<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the issuance of long-term debt that is not secured by collateral. Excludes proceeds from tax exempt unsecured debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3255-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromIssuanceOfUnsecuredDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueApril52022Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueApril52022Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=us-gaap_UnsecuredDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_UnsecuredDebtMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueOctober292025Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueOctober292025Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueNovember22026Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueNovember22026Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021BMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021BMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021DMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021EMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoans2020TermAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoans2020TermBMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_ABSTransactionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>112
<FILENAME>R95.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506328292024">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings - Summary of Outstanding Borrowings (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">$ 5,930,990<span></span>
</td>
<td class="nump">$ 5,189,217<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtWeightedAverageInterestRate', window );">Weighted Average Interest Rate</a></td>
<td class="nump">2.37%<span></span>
</td>
<td class="nump">2.60%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtWeightedAverageOutstandingBalance', window );">Average Balance</a></td>
<td class="nump">$ 5,167,682<span></span>
</td>
<td class="nump">$ 4,748,871<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_FloatingRateBorrowingsMember', window );">Floating-rate borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">$ 1,046,857<span></span>
</td>
<td class="nump">$ 1,235,105<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtWeightedAverageInterestRate', window );">Weighted Average Interest Rate</a></td>
<td class="nump">1.05%<span></span>
</td>
<td class="nump">1.09%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtWeightedAverageOutstandingBalance', window );">Average Balance</a></td>
<td class="nump">$ 1,073,042<span></span>
</td>
<td class="nump">$ 1,432,446<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_FixedRateBorrowingsMember', window );">Fixed-rate borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">$ 4,884,133<span></span>
</td>
<td class="nump">$ 3,954,112<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtWeightedAverageInterestRate', window );">Weighted Average Interest Rate</a></td>
<td class="nump">2.65%<span></span>
</td>
<td class="nump">3.08%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtWeightedAverageOutstandingBalance', window );">Average Balance</a></td>
<td class="nump">$ 4,094,640<span></span>
</td>
<td class="nump">$ 3,316,425<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LongTermDebtWeightedAverageOutstandingBalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Long Term Debt, Weighted Average Outstanding Balance</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LongTermDebtWeightedAverageOutstandingBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466204&amp;loc=SL6031897-161870<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69C<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495737-112612<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69B<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495735-112612<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495340-112611<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtWeightedAverageInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate of long-term debt outstanding calculated at point in time.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtWeightedAverageInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_FloatingRateBorrowingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_FloatingRateBorrowingsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_FixedRateBorrowingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_FixedRateBorrowingsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>113
<FILENAME>R96.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327160408">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Borrowings - Stated Maturity and Maturity to Call Date (Details)<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Dec. 31, 2021 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths', window );">Stated maturity, 2022</a></td>
<td class="nump">$ 3,636,488<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo', window );">Stated maturity, 2023</a></td>
<td class="nump">2,731,907<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree', window );">Stated maturity, 2024</a></td>
<td class="nump">1,924,122<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour', window );">Stated maturity, 2025</a></td>
<td class="nump">1,418,489<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive', window );">Stated maturity, 2026</a></td>
<td class="nump">2,151,693<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive', window );">Stated maturity, 2027 and after</a></td>
<td class="nump">1,797,903<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturityToCallDateRepaymentsOfPrincipalInYearOne', window );">Maturity to call date, 2022</a></td>
<td class="nump">3,636,488<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearTwo', window );">Maturity to Call Date, 2023</a></td>
<td class="nump">2,731,907<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree', window );">Maturity to Call Date, 2024</a></td>
<td class="nump">1,924,122<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFour', window );">Maturity to Call Date, 2025</a></td>
<td class="nump">1,418,489<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive', window );">Maturity to Call Date, 2026</a></td>
<td class="nump">2,151,693<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive', window );">Maturity to Call Date, 2027 and after</a></td>
<td class="nump">1,797,903<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountMaturityToCallDate', window );">Total principal amount, maturity to call date</a></td>
<td class="nump">13,660,602<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_HedgeAccountingAdjustment', window );">Hedge accounting adjustments</a></td>
<td class="nump">33,426<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountAfterAdjustments', window );">Total principal amount, after adjustments</a></td>
<td class="nump">13,694,028<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=slm_BrokeredDepositsMember', window );">Brokered Deposits</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths', window );">Stated maturity, 2022</a></td>
<td class="nump">2,918,335<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo', window );">Stated maturity, 2023</a></td>
<td class="nump">2,033,829<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree', window );">Stated maturity, 2024</a></td>
<td class="nump">1,236,522<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour', window );">Stated maturity, 2025</a></td>
<td class="nump">270,174<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive', window );">Stated maturity, 2026</a></td>
<td class="nump">1,033,313<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive', window );">Stated maturity, 2027 and after</a></td>
<td class="nump">47,401<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturityToCallDateRepaymentsOfPrincipalInYearOne', window );">Maturity to call date, 2022</a></td>
<td class="nump">2,918,335<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearTwo', window );">Maturity to Call Date, 2023</a></td>
<td class="nump">2,033,829<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree', window );">Maturity to Call Date, 2024</a></td>
<td class="nump">1,236,522<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFour', window );">Maturity to Call Date, 2025</a></td>
<td class="nump">270,174<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive', window );">Maturity to Call Date, 2026</a></td>
<td class="nump">1,033,313<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive', window );">Maturity to Call Date, 2027 and after</a></td>
<td class="nump">47,401<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountMaturityToCallDate', window );">Total principal amount, maturity to call date</a></td>
<td class="nump">7,539,574<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_HedgeAccountingAdjustment', window );">Hedge accounting adjustments</a></td>
<td class="nump">33,426<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountAfterAdjustments', window );">Total principal amount, after adjustments</a></td>
<td class="nump">7,573,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_UnsecuredDebtMember', window );">Unsecured Debt</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths', window );">Stated maturity, 2022</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo', window );">Stated maturity, 2023</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree', window );">Stated maturity, 2024</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour', window );">Stated maturity, 2025</a></td>
<td class="nump">500,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive', window );">Stated maturity, 2026</a></td>
<td class="nump">500,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive', window );">Stated maturity, 2027 and after</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturityToCallDateRepaymentsOfPrincipalInYearOne', window );">Maturity to call date, 2022</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearTwo', window );">Maturity to Call Date, 2023</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree', window );">Maturity to Call Date, 2024</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFour', window );">Maturity to Call Date, 2025</a></td>
<td class="nump">500,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive', window );">Maturity to Call Date, 2026</a></td>
<td class="nump">500,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive', window );">Maturity to Call Date, 2027 and after</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountMaturityToCallDate', window );">Total principal amount, maturity to call date</a></td>
<td class="nump">1,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_HedgeAccountingAdjustment', window );">Hedge accounting adjustments</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountAfterAdjustments', window );">Total principal amount, after adjustments</a></td>
<td class="nump">1,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=slm_SecuredBorrowingsMember', window );">Secured Borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths', window );">Stated maturity, 2022</a></td>
<td class="nump">718,153<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo', window );">Stated maturity, 2023</a></td>
<td class="nump">698,078<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree', window );">Stated maturity, 2024</a></td>
<td class="nump">687,600<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour', window );">Stated maturity, 2025</a></td>
<td class="nump">648,315<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive', window );">Stated maturity, 2026</a></td>
<td class="nump">618,380<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive', window );">Stated maturity, 2027 and after</a></td>
<td class="nump">1,750,502<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturityToCallDateRepaymentsOfPrincipalInYearOne', window );">Maturity to call date, 2022</a></td>
<td class="nump">718,153<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearTwo', window );">Maturity to Call Date, 2023</a></td>
<td class="nump">698,078<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree', window );">Maturity to Call Date, 2024</a></td>
<td class="nump">687,600<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFour', window );">Maturity to Call Date, 2025</a></td>
<td class="nump">648,315<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive', window );">Maturity to Call Date, 2026</a></td>
<td class="nump">618,380<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive', window );">Maturity to Call Date, 2027 and after</a></td>
<td class="nump">1,750,502<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountMaturityToCallDate', window );">Total principal amount, maturity to call date</a></td>
<td class="nump">5,121,028<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_HedgeAccountingAdjustment', window );">Hedge accounting adjustments</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountAfterAdjustments', window );">Total principal amount, after adjustments</a></td>
<td class="nump">$ 5,121,028<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DebtInstrumentFaceAmountAfterAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Debt Instrument, Face Amount, After Adjustments</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DebtInstrumentFaceAmountAfterAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DebtInstrumentFaceAmountMaturityToCallDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Debt Instrument, Face Amount, Maturity To Call Date</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DebtInstrumentFaceAmountMaturityToCallDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_HedgeAccountingAdjustment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Hedge Accounting Adjustment</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_HedgeAccountingAdjustment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LongTermDebtMaturityToCallDateRepaymentsOfPrincipalInYearOne">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Long-Term Debt, Maturity to Call Date, Repayments Of Principal in Year One</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LongTermDebtMaturityToCallDateRepaymentsOfPrincipalInYearOne</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Long-Term Debt, Maturity to Call Date, Repayments Of Principal After Year Five</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalAfterYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Long-Term Debt, Maturity to Call Date, Repayments Of Principal in Year Five</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFour">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Long-Term Debt, Maturity to Call Date, Repayments Of Principal in Year Four</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearFour</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Long-Term Debt, Maturity to Call Date, Repayments Of Principal in Year Three</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Long-Term Debt, Maturity to Call Date, Repayments Of Principal in Year Two</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LongTermDebtMaturitytoCallDateRepaymentsOfPrincipalinYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing after fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123465755&amp;loc=d3e1835-112601<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495348-112611<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e24072-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495348-112611<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e24072-122690<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123465755&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495348-112611<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123465755&amp;loc=d3e1835-112601<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e24072-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495348-112611<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123465755&amp;loc=d3e1835-112601<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e24072-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495348-112611<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e24072-122690<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123465755&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495348-112611<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e24072-122690<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=123465755&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=slm_BrokeredDepositsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_UnsecuredDebtMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=slm_SecuredBorrowingsMember</td>
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<td></td>
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<td><strong> Data Type:</strong></td>
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<td></td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506336450680">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings - Secured Financing (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="5">1 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Nov. 30, 2021</div></th>
<th class="th"><div>Aug. 31, 2021</div></th>
<th class="th"><div>May 31, 2021</div></th>
<th class="th"><div>Aug. 31, 2020</div></th>
<th class="th"><div>Feb. 29, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Total Issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,592,000,000<span></span>
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<td class="nump">$ 1,343,000,000<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoanAmountSecuritized', window );">Total loans and accrued interest amount securitized at inception</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,656,263,000<span></span>
</td>
<td class="nump">$ 1,463,230,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_A2020AMember', window );">2020-A</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Total Issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 636,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeBasisSpreadOnVariableRate', window );">Basis spread on variable rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.88%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentWeightedAverageLife', window );">Weighted Average Life (in years)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years 2 months 4 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_A2020BMember', window );">2020-B</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Total Issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 707,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeBasisSpreadOnVariableRate', window );">Basis spread on variable rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.30%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentWeightedAverageLife', window );">Weighted Average Life (in years)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years 1 month 20 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021BMember', window );">2021-B</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Total Issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 531,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeBasisSpreadOnVariableRate', window );">Basis spread on variable rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.77%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentWeightedAverageLife', window );">Weighted Average Life (in years)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years 3 months 3 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansPledgedAsCollateral', window );">Loans Pledged as Collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">496,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Principal amount of collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">467,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">29,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021DMember', window );">2021-D</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Total Issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 527,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeBasisSpreadOnVariableRate', window );">Basis spread on variable rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.69%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentWeightedAverageLife', window );">Weighted Average Life (in years)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years 2 months 19 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansPledgedAsCollateral', window );">Loans Pledged as Collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">515,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Principal amount of collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">485,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021EMember', window );">2021-E</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Total Issued</a></td>
<td class="nump">$ 534,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeBasisSpreadOnVariableRate', window );">Basis spread on variable rate</a></td>
<td class="nump">0.69%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DebtInstrumentWeightedAverageLife', window );">Weighted Average Life (in years)</a></td>
<td class="text">4 years 1 month 24 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansPledgedAsCollateral', window );">Loans Pledged as Collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">533,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Principal amount of collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">502,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">31,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoanSecuritizationMember', window );">Private Education Loan term securitizations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansPledgedAsCollateral', window );">Loans Pledged as Collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,110,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Principal amount of collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,050,000,000.00<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 62,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DebtInstrumentWeightedAverageLife">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Debt Instrument, Weighted Average Life</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DebtInstrumentWeightedAverageLife</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoanAmountSecuritized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loan Amount Securitized</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoanAmountSecuritized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansPledgedAsCollateralCapitalizedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Pledged As Collateral, Capitalized Interest</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansPledgedAsCollateralCapitalizedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansPledgedAsCollateralPrincipalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Pledged As Collateral, Principal Amount</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansPledgedAsCollateralPrincipalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentFaceAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face (par) amount of debt instrument at time of issuance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495323-112611<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=124435984&amp;loc=d3e28551-108399<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 55<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=114775985&amp;loc=d3e28878-108400<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124429444&amp;loc=SL124452920-239629<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69C<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495737-112612<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69B<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495735-112612<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentFaceAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeBasisSpreadOnVariableRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The percentage points added to the reference rate to compute the variable rate on the interest rate derivative.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeBasisSpreadOnVariableRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansPledgedAsCollateral">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of loans that have been pledged as collateral for borrowings. If the secured party has the right by contract or custom to sell or re-pledge the collateral, then the debtor reclassifies that asset and report that asset in its statement of financial position separately from other assets not so encumbered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=66007379&amp;loc=d3e113888-111728<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=d3e5086-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansPledgedAsCollateral</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_A2020AMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_A2020AMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_A2020BMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_A2020BMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021BMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021BMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021DMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021DMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021EMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2021EMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoanSecuritizationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoanSecuritizationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327177464">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Borrowings - Variable Interest Entity (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentsAbstract', window );"><strong>Debt Outstanding</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">5,930,990<span></span>
</td>
<td class="nump">5,189,217<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">5,930,990<span></span>
</td>
<td class="nump">5,189,217<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAbstract', window );"><strong>Carrying Amount of Assets Securing Debt Outstanding</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestments', window );">Restricted Cash</a></td>
<td class="nump">210,741<span></span>
</td>
<td class="nump">154,417<span></span>
</td>
<td class="nump">$ 156,883<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">26,351<span></span>
</td>
<td class="nump">19,533<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total</a></td>
<td class="nump">29,221,899<span></span>
</td>
<td class="nump">30,770,423<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_ABCPBorrowingsMember', window );">Secured Borrowing Facility</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentsAbstract', window );"><strong>Debt Outstanding</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=us-gaap_VariableInterestEntityPrimaryBeneficiaryMember', window );">Variable Interest Entity, Primary Beneficiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentsAbstract', window );"><strong>Debt Outstanding</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">4,994,852<span></span>
</td>
<td class="nump">4,496,338<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">4,994,852<span></span>
</td>
<td class="nump">4,496,338<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAbstract', window );"><strong>Carrying Amount of Assets Securing Debt Outstanding</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans', window );">Loans</a></td>
<td class="nump">6,029,034<span></span>
</td>
<td class="nump">5,661,123<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestments', window );">Restricted Cash</a></td>
<td class="nump">210,741<span></span>
</td>
<td class="nump">154,417<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">358,849<span></span>
</td>
<td class="nump">357,403<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total</a></td>
<td class="nump">6,598,624<span></span>
</td>
<td class="nump">6,172,943<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=us-gaap_VariableInterestEntityPrimaryBeneficiaryMember', window );">Variable Interest Entity, Primary Beneficiary | Private Education Loan term securitizations:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentsAbstract', window );"><strong>Debt Outstanding</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">4,994,852<span></span>
</td>
<td class="nump">4,496,338<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">4,994,852<span></span>
</td>
<td class="nump">4,496,338<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAbstract', window );"><strong>Carrying Amount of Assets Securing Debt Outstanding</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans', window );">Loans</a></td>
<td class="nump">6,029,034<span></span>
</td>
<td class="nump">5,661,123<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestments', window );">Restricted Cash</a></td>
<td class="nump">210,741<span></span>
</td>
<td class="nump">154,417<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">357,982<span></span>
</td>
<td class="nump">356,967<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total</a></td>
<td class="nump">6,597,757<span></span>
</td>
<td class="nump">6,172,507<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=us-gaap_VariableInterestEntityPrimaryBeneficiaryMember', window );">Variable Interest Entity, Primary Beneficiary | Secured Borrowing Facility</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentsAbstract', window );"><strong>Debt Outstanding</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-Term</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAbstract', window );"><strong>Carrying Amount of Assets Securing Debt Outstanding</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans', window );">Loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestments', window );">Restricted Cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">867<span></span>
</td>
<td class="nump">436<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total</a></td>
<td class="nump">$ 867<span></span>
</td>
<td class="nump">$ 436<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying Amount Of Assets Securing Debt Outstanding Loans</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -URI 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-Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -URI http://asc.fasb.org/extlink&amp;oid=124359900&amp;loc=SL124442526-122756<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -URI http://asc.fasb.org/extlink&amp;oid=124359900&amp;loc=SL124442526-122756<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the aggregate of total long-term debt, including current maturities and short-term debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtLongtermAndShorttermCombinedAmount</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466204&amp;loc=SL6031897-161870<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69C<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495737-112612<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69B<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495735-112612<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495340-112611<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RestrictedCashAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cash and investments whose use in whole or in part is restricted for the long-term, generally by contractual agreements or regulatory requirements. For use in an unclassified balance sheet.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 954<br> -SubTopic 210<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=120413173&amp;loc=SL6242262-115580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 954<br> -SubTopic 210<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=120413209&amp;loc=SL6242269-115581<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RestrictedCashAndInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermBorrowings">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermBorrowings</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506319374952">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings - Unconsolidated VIEs (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">1 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>May 27, 2021</div></th>
<th class="th"><div>Feb. 09, 2021</div></th>
<th class="th"><div>Mar. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_VerticalRiskRetentionPercentage', window );">Vertical risk retention interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_A2021AMember', window );">2021-A</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_VerticalRiskRetentionPercentage', window );">Vertical risk retention interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_A2021AMember', window );">2021-A | Student Loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Private education loans sold</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2,500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale', window );">Additional net proceeds from sales of loans held for investment, capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">130<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gain on sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 18<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_A2021CMember', window );">2021-C</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_VerticalRiskRetentionPercentage', window );">Vertical risk retention interest</a></td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_A2021CMember', window );">2021-C | Student Loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Private education loans sold</a></td>
<td class="nump">$ 505<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale', window );">Additional net proceeds from sales of loans held for investment, capitalized interest</a></td>
<td class="nump">27<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gain on sale</a></td>
<td class="nump">$ 4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Additional Proceeds from Sale of Debt Securities, Available-for-sale</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_VerticalRiskRetentionPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Vertical Risk Retention, Percentage</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_VerticalRiskRetentionPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of realized gain on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27357-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleRealizedGain</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from sale of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26853-111562<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3151-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_A2021AMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_A2021AMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_StudentLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_A2021CMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_A2021CMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>117
<FILENAME>R100.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
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</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506319436984">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Borrowings - Summary of Exposure Related to Unconsolidated VIEs (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">$ 2,517,956<span></span>
</td>
<td class="nump">$ 1,996,634<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Allowance for credit losses on unfunded commitments</a></td>
<td class="nump">72,713<span></span>
</td>
<td class="nump">110,044<span></span>
</td>
<td class="nump">$ 2,481<span></span>
</td>
<td class="nump">$ 2,165<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember', window );">Variable Interest Entity, Not Primary Beneficiary | Private Education Loan term securitizations:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">192,245<span></span>
</td>
<td class="nump">68,908<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TradingSecurities', window );">Equity Interests</a></td>
<td class="nump">37,465<span></span>
</td>
<td class="nump">16,923<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Allowance for credit losses on unfunded commitments</a></td>
<td class="nump">$ 229,710<span></span>
</td>
<td class="nump">$ 85,831<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124258926&amp;loc=SL82898722-210454<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26610-111562<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OffBalanceSheetCreditLossLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expected credit loss for credit exposure on off-balance-sheet commitment, including but not limited to, loan commitment, standby letter of credit, financial guarantee not accounted for as insurance. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 460<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121611286&amp;loc=d3e11927-110247<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82919202-210446<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OffBalanceSheetCreditLossLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TradingSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in net income (trading) and investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TradingSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoanSecuritizationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=slm_PrivateEducationLoanSecuritizationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>118
<FILENAME>R101.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506335606216">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Borrowings - Other Borrowing Sources (Details) - USD ($)<br></strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtDisclosureAbstract', window );"><strong>Debt Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_UncommittedFederalFunds', window );">Discretionary uncommitted federal funds line of credit</a></td>
<td class="nump">$ 125,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_Lendablevalueofcollateral', window );">Lendable value of collateral</a></td>
<td class="nump">$ 3,300,000,000<span></span>
</td>
<td class="nump">$ 3,800,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_Lendablevalueofcollateral">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Lendable value of collateral</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_Lendablevalueofcollateral</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_UncommittedFederalFunds">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Uncommitted Federal Funds</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_UncommittedFederalFunds</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>119
<FILENAME>R102.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327174632">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative Financial Instruments - Additional Information (Details)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2021 </div>
<div>USD ($) </div>
<div>numberOfCounterparties</div>
</th>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NumberOfCounterparties', window );">Number of central counterparties | numberOfCounterparties</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional derivative contracts</a></td>
<td class="nump">$ 6,589,856<span></span>
</td>
<td class="nump">$ 8,557,883<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet', window );">Net positive exposure</a></td>
<td class="nump">9,000<span></span>
</td>
<td class="nump">43,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet', window );">Estimated reclassification of AOCI to interest expense</a></td>
<td class="nump">13,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimCash', window );">Cash collateral pledged</a></td>
<td class="nump">10,000<span></span>
</td>
<td class="nump">43,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=exch_XCME', window );">CME</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional derivative contracts</a></td>
<td class="nump">$ 5,200,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DerivativeNotionalAmountPercent', window );">Notional derivative contracts, percent</a></td>
<td class="nump">94.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AmountOfVariationMarginIncludedAsSettlement', window );">Amount of variation margin included as settlement</a></td>
<td class="num">$ (72,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=slm_LondonClearingHouseMember', window );">LCH</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional derivative contracts</a></td>
<td class="nump">$ 300,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DerivativeNotionalAmountPercent', window );">Notional derivative contracts, percent</a></td>
<td class="nump">5.60%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AmountOfVariationMarginIncludedAsSettlement', window );">Amount of variation margin included as settlement</a></td>
<td class="nump">$ 8,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember', window );">Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional derivative contracts</a></td>
<td class="nump">$ 5,536,096<span></span>
</td>
<td class="nump">$ 8,557,883<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AmountOfVariationMarginIncludedAsSettlement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount Of Variation Margin Included As Settlement</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AmountOfVariationMarginIncludedAsSettlement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DerivativeNotionalAmountPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Derivative, Notional Amount, Percent</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DerivativeNotionalAmountPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NumberOfCounterparties">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number Of Counterparties</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NumberOfCounterparties</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeCollateralRightToReclaimCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of right to receive cash collateral under master netting arrangements that have not been offset against derivative liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226016-175313<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226038-175313<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=d3e41678-113959<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeCollateralRightToReclaimCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net amount as of the balance sheet date of the fair value of derivative assets and derivative liabilities that in accordance with the entity's accounting policy were offset against collateral under a master netting arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=d3e41678-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeNotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Nominal or face amount used to calculate payment on derivative.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5580258-113959<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5579245-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeNotionalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The estimated net amount of unrealized gains or losses on interest rate cash flow hedges as of the balance sheet date expected to be reclassified to earnings within the next twelve months.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121549185&amp;loc=d3e80748-113994<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=exch_XCME">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=exch_XCME</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=slm_LondonClearingHouseMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=slm_LondonClearingHouseMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
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<FILENAME>R103.htm
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<head>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506321845800">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Derivative Financial Instruments - Impact of Derivatives on Consolidated Balance Sheet (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Total net derivatives</a></td>
<td class="nump">$ 1,070<span></span>
</td>
<td class="nump">$ 442<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Total net derivatives</a></td>
<td class="nump">1,322<span></span>
</td>
<td class="nump">135<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_CashFlowHedgingMember', window );">Cash Flow | Designated as Hedging Instrument</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Total net derivatives</a></td>
<td class="num">(231)<span></span>
</td>
<td class="num">(287)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_FairValueHedgingMember', window );">Fair Value | Designated as Hedging Instrument</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Total net derivatives</a></td>
<td class="num">(21)<span></span>
</td>
<td class="nump">594<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember', window );">Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">729<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="num">(252)<span></span>
</td>
<td class="num">(287)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember', window );">Interest rate swaps | Trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">135<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember', window );">Interest rate swaps | Cash Flow | Designated as Hedging Instrument</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="num">(231)<span></span>
</td>
<td class="num">(287)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember', window );">Interest rate swaps | Fair Value | Designated as Hedging Instrument</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">594<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="num">(21)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_OtherContractMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">1,317<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_OtherContractMember', window );">Other | Trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">1,317<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_OtherContractMember', window );">Other | Cash Flow | Designated as Hedging Instrument</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_OtherContractMember', window );">Other | Fair Value | Designated as Hedging Instrument</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226008-175313<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226052-175313<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=123594938&amp;loc=d3e13433-108611<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair values as of the balance sheet date of the net amount of all assets and liabilities resulting from contracts that meet the criteria of being accounted for as derivative instruments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 45<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=117331979&amp;loc=d3e41228-113958<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226008-175313<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=123594938&amp;loc=d3e13433-108611<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226052-175313<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:monetaryItemType</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativesFairValueLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativesFairValueLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_CashFlowHedgingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_FairValueHedgingMember</td>
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<tr>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_OtherContractMember</td>
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<td></td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506336309640">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Derivative Financial Instruments - Offsetting Assets and Liabilities (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Other Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimCash', window );">Cash collateral pledged</a></td>
<td class="nump">$ 10,000<span></span>
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<td class="nump">$ 43,000<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BalanceSheetLocationAxis=us-gaap_OtherAssetsMember', window );">Other Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Other Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Gross position</a></td>
<td class="nump">1,322<span></span>
</td>
<td class="nump">729<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssetFairValueGrossLiability', window );">Impact of master netting agreement</a></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(176)<span></span>
</td>
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<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative values with impact of master netting agreements (as carried on balance sheet)</a></td>
<td class="nump">1,317<span></span>
</td>
<td class="nump">553<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeCollateralObligationToReturnCash', window );">Cash collateral pledged</a></td>
<td class="nump">9,655<span></span>
</td>
<td class="nump">42,874<span></span>
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<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral', window );">Net position</a></td>
<td class="nump">10,972<span></span>
</td>
<td class="nump">43,427<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BalanceSheetLocationAxis=us-gaap_OtherLiabilitiesMember', window );">Other Liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Other Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Gross position</a></td>
<td class="num">(252)<span></span>
</td>
<td class="num">(287)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityFairValueGrossAsset', window );">Impact of master netting agreement</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">176<span></span>
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<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative values with impact of master netting agreements (as carried on balance sheet)</a></td>
<td class="num">(247)<span></span>
</td>
<td class="num">(111)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimCash', window );">Cash collateral pledged</a></td>
<td class="nump">0<span></span>
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<td class="nump">0<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral', window );">Net position</a></td>
<td class="num">$ (247)<span></span>
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<td class="num">$ (111)<span></span>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of liability associated with financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a),(c)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5624163-113959<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226003-175313<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssetFairValueGrossLiability</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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<tr>
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<tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226008-175313<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226052-175313<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=123594938&amp;loc=d3e13433-108611<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeCollateralObligationToReturnCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of obligation to return cash collateral under master netting arrangements that have not been offset against derivative assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226038-175313<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226016-175313<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=d3e41678-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeCollateralObligationToReturnCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeCollateralRightToReclaimCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of right to receive cash collateral under master netting arrangements that have not been offset against derivative liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226016-175313<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226038-175313<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=d3e41678-113959<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeCollateralRightToReclaimCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFairValueOfDerivativeAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value, before effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets elected not to be offset. Excludes assets not subject to a master netting arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226052-175313<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226000-175313<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4D<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121570589&amp;loc=SL51823488-111719<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a),(c)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5624163-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeFairValueOfDerivativeAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value, after effects of master netting arrangements, of financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset offset against an obligation to return collateral. Includes assets not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=d3e41678-113959<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226016-175313<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFairValueOfDerivativeLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value, before effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities elected not to be offset. Excludes liabilities not subject to a master netting arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4D<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121570589&amp;loc=SL51823488-111719<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a),(c)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5624163-113959<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226000-175313<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226052-175313<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeFairValueOfDerivativeLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value, after effects of master netting arrangements, of financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset offset against the right to receive collateral. Includes liabilities not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226016-175313<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=d3e41678-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226008-175313<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=123594938&amp;loc=d3e13433-108611<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226052-175313<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilityFairValueGrossAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of asset associated with financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226038-175313<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226003-175313<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a),(c)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5624163-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilityFairValueGrossAsset</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BalanceSheetLocationAxis=us-gaap_OtherAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BalanceSheetLocationAxis=us-gaap_OtherAssetsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BalanceSheetLocationAxis=us-gaap_OtherLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BalanceSheetLocationAxis=us-gaap_OtherLiabilitiesMember</td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327373144">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Derivative Financial Instruments - Notional Values (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">$ 6,589,856<span></span>
</td>
<td class="nump">$ 8,557,883<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">1,235,713<span></span>
</td>
<td class="nump">2,693,364<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_CashFlowHedgingMember', window );">Cash Flow | Designated as Hedging Instrument</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">1,438,144<span></span>
</td>
<td class="nump">1,018,976<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_FairValueHedgingMember', window );">Fair Value | Designated as Hedging Instrument</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">3,915,999<span></span>
</td>
<td class="nump">4,845,543<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember', window );">Interest Rate Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">5,536,096<span></span>
</td>
<td class="nump">8,557,883<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember', window );">Interest Rate Swaps | Trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">181,953<span></span>
</td>
<td class="nump">2,693,364<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember', window );">Interest Rate Swaps | Cash Flow | Designated as Hedging Instrument</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">1,438,144<span></span>
</td>
<td class="nump">1,018,976<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember', window );">Interest Rate Swaps | Fair Value | Designated as Hedging Instrument</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">3,915,999<span></span>
</td>
<td class="nump">4,845,543<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_OtherContractMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">1,053,760<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_OtherContractMember', window );">Other | Trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">1,053,760<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_OtherContractMember', window );">Other | Cash Flow | Designated as Hedging Instrument</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_OtherContractMember', window );">Other | Fair Value | Designated as Hedging Instrument</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsGainLossLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsGainLossLineItems</td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeNotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Nominal or face amount used to calculate payment on derivative.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5580258-113959<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5579245-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeNotionalAmount</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_CashFlowHedgingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_CashFlowHedgingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_FairValueHedgingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_FairValueHedgingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_OtherContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_OtherContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>123
<FILENAME>R106.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326943864">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Derivative Financial Instruments - Schedule of Hedged Items Recorded in Statement of Financial Position (Details) - Deposits - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HedgedLiabilityFairValueHedge', window );">Carrying Amount of the Hedged Assets/(Liabilities)</a></td>
<td class="num">$ (3,963,268)<span></span>
</td>
<td class="num">$ (4,992,867)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease', window );">Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)</a></td>
<td class="num">$ (50,784)<span></span>
</td>
<td class="num">$ (154,235)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativesFairValueLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativesFairValueLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cumulative increase (decrease) in fair value of hedged asset in fair value hedge, attributable to hedged risk.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4EE<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL109999712-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HedgedLiabilityFairValueHedge">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liability hedged in fair value hedging relationship.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4EE<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL109999712-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_HedgedLiabilityFairValueHedge</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByAssetClassAxis=us-gaap_DepositsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=us-gaap_DepositsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>124
<FILENAME>R107.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506321823752">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative Financial Instruments - Impact of Derivatives on Consolidated Statements of Income (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract', window );"><strong>Cash Flow Hedges</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">$ 382,078<span></span>
</td>
<td class="nump">$ 541,667<span></span>
</td>
<td class="nump">$ 707,717<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract', window );"><strong>Trading</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeGainLossOnDerivativeNet', window );">Total</a></td>
<td class="nump">41,801<span></span>
</td>
<td class="nump">66,164<span></span>
</td>
<td class="nump">12,789<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Designated as Hedging Instrument</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract', window );"><strong>Fair Value Hedges</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings', window );">Interest recognized on derivatives</a></td>
<td class="nump">85,850<span></span>
</td>
<td class="nump">71,668<span></span>
</td>
<td class="num">(8,806)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1', window );">Hedged items recorded in interest expense</a></td>
<td class="nump">103,450<span></span>
</td>
<td class="num">(91,087)<span></span>
</td>
<td class="num">(77,350)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1', window );">Derivatives recorded in interest expense</a></td>
<td class="num">(103,431)<span></span>
</td>
<td class="nump">91,419<span></span>
</td>
<td class="nump">77,177<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract', window );"><strong>Trading</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeGainLossOnDerivativeNet', window );">Total</a></td>
<td class="nump">85,869<span></span>
</td>
<td class="nump">72,000<span></span>
</td>
<td class="num">(8,979)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Designated as Hedging Instrument | Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent | Reclassification out of Accumulated Other Comprehensive Income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract', window );"><strong>Cash Flow Hedges</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="num">(20,852)<span></span>
</td>
<td class="num">(16,000)<span></span>
</td>
<td class="nump">2,299<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract', window );"><strong>Trading</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings', window );">Change in fair value of future interest payments recorded in earnings</a></td>
<td class="num">(23,216)<span></span>
</td>
<td class="nump">10,164<span></span>
</td>
<td class="nump">19,469<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeGainLossOnDerivativeNet', window );">Total</a></td>
<td class="num">$ (23,216)<span></span>
</td>
<td class="nump">$ 10,164<span></span>
</td>
<td class="nump">$ 19,469<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Derivative Instruments Increase (Decrease) In Fair Value Of Future Interest Payments Recorded In Earnings</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) from the increase (decrease) in fair value of derivative and nonderivative instruments designated as fair value hedging instruments recognized in the income statement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 25<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121577467&amp;loc=d3e76258-113986<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the increase (decrease) in fair value of the hedged item in a fair value hedge recognized in the income statement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 25<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121577467&amp;loc=d3e76258-113986<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeGainLossOnDerivativeNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in the fair value of derivatives recognized in the income statement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5618551-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeGainLossOnDerivativeNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total amount of gain (loss) derived from fair value hedges recognized in earnings in the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5624171-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=124435984&amp;loc=d3e28555-108399<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (210.5-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpense</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506337474136">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative Financial Instruments - Impact of Derivatives on Consolidated Statement of Changes in Stockholders' Equity (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract', window );"><strong>Derivative Instruments and Hedging Activities Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax', window );">Amount of gain (loss) recognized in other comprehensive income (loss)</a></td>
<td class="nump">$ 27,259<span></span>
</td>
<td class="num">$ (52,511)<span></span>
</td>
<td class="num">$ (36,115)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax', window );">Less: Amount of gain (loss) reclassified in interest expense</a></td>
<td class="num">(20,852)<span></span>
</td>
<td class="num">(16,000)<span></span>
</td>
<td class="nump">2,299<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit', window );">Total change in other comprehensive income (loss) for unrealized gains (losses) on derivatives, before income tax (expense) benefit</a></td>
<td class="nump">$ 48,111<span></span>
</td>
<td class="num">$ (36,511)<span></span>
</td>
<td class="num">$ (38,414)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Change In Other Comprehensive Income (Loss) For Unrealized Gains (Losses) On Derivatives, Before Income Tax (Expense) Benefit</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax and reclassification, of gain (loss) from derivative instrument designated and qualifying cash flow hedge included in assessment of hedge effectiveness.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 20<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=121577181&amp;loc=SL110061190-113977<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5618551-113959<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5624171-113959<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=d3e637-108580<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669646-108580<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of reclassification of gain (loss) from accumulated other comprehensive income (AOCI) for derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=d3e689-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=d3e637-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5624171-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax</td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506319341064">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stockholders' Equity - Preferred Stock (Details) - USD ($)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Nov. 30, 2020</div></th>
<th class="th"><div>Oct. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="nump">1,125,000,000<span></span>
</td>
<td class="nump">1,125,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="nump">432,000,000.0<span></span>
</td>
<td class="nump">456,700,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $0.20 per share, 1.125 billion shares authorized: 432.0 million and 456.7 million shares issued, respectively</a></td>
<td class="nump">$ 86,403<span></span>
</td>
<td class="nump">$ 91,346<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareCashPaid', window );">Common stock dividend per common share</a></td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="nump">$ 0.12<span></span>
</td>
<td class="nump">$ 0.12<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares issued (in shares)</a></td>
<td class="nump">2,500,000<span></span>
</td>
<td class="nump">2,500,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockLiquidationPreference', window );">Preferred stock liquidation preference (in dollars per share)</a></td>
<td class="nump">$ 100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,489,304<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 45<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $0.20 per share, 1.125 billion shares authorized: 432.0 million and 456.7 million shares issued, respectively</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 68,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock | Three Month LIBOR</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendRatePercentage', window );">Preferred stock dividend rate (as a percentage)</a></td>
<td class="nump">1.70%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="nump">1,125,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="nump">279,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common stock shares outstanding (in shares)</a></td>
<td class="nump">279,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_CommonSharesUnissuedButEncumbered', window );">Common shares unissued but encumbered (in shares)</a></td>
<td class="nump">41,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CommonSharesUnissuedButEncumbered">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Common shares unissued but encumbered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CommonSharesUnissuedButEncumbered</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ClassOfStockLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ClassOfStockLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareCashPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate dividends paid during the period for each share of common stock outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockDividendsPerShareCashPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of common stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendRatePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The percentage rate used to calculate dividend payments on preferred stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=SL123496158-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockDividendRatePercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockLiquidationPreference">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The per share liquidation preference (or restrictions) of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) that has a preference in involuntary liquidation considerably in excess of the par or stated value of the shares. The liquidation preference is the difference between the preference in liquidation and the par or stated values of the share.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21475-112644<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=SL123496158-112644<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21484-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockLiquidationPreference</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_VariableRateAxis=slm_ThreeMonthLIBORMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_VariableRateAxis=slm_ThreeMonthLIBORMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>127
<FILENAME>R110.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506320520216">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stockholders' Equity - Common Stock Tender Offer (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Mar. 16, 2021</div></th>
<th class="th"><div>Mar. 10, 2021</div></th>
<th class="th"><div>Jan. 28, 2021</div></th>
<th class="th"><div>Mar. 10, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Feb. 02, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,000,000<span></span>
</td>
<td class="nump">45,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">98,748,905<span></span>
</td>
<td class="nump">47,736,847<span></span>
</td>
<td class="nump">16,962,199<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockAcquiredAverageCostPerShare', window );">Average purchase price per share (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 14.70<span></span>
</td>
<td class="nump">$ 10.93<span></span>
</td>
<td class="nump">$ 10.85<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Common stock repurchased</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,530,683,000<span></span>
</td>
<td class="nump">$ 558,167,000<span></span>
</td>
<td class="nump">$ 167,201,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesRetired', window );">Shares cancelled (in shares)</a></td>
<td class="nump">28,500,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember', window );">Common Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">70,246,445<span></span>
</td>
<td class="nump">47,736,847<span></span>
</td>
<td class="nump">16,962,199<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareRepurchaseProgramAxis=slm_TenderOfferMember', window );">Tender Offer | Common Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockRetiredCostMethodAmount', window );">Decrease to balance of common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 6,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareRepurchaseProgramAxis=slm_TenderOfferMember', window );">Tender Offer | Additional Paid-In Capital</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockRetiredCostMethodAmount', window );">Decrease to balance of common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 466,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareRepurchaseProgramAxis=slm_TenderOfferMember', window );">Tender Offer | Common Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchaseProgramAuthorizedAmount1', window );">Aggregate purchase price (not to exceed)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,000,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0.20<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">28,500,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockAcquiredAverageCostPerShare', window );">Average purchase price per share (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 16.50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Common stock repurchased</a></td>
<td class="nump">$ 472,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareRepurchaseProgramAxis=slm_Rule10b51TradingPlanMember', window );">Rule 10b5-1 Trading Plan | Common Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">57,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Payment for delivery of common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,100,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ClassOfStockLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ClassOfStockLineItems</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
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<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of common stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to reacquire common stock during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForRepurchaseOfCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchaseProgramAuthorizedAmount1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of stock repurchase plan authorized.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchaseProgramAuthorizedAmount1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockAcquiredAverageCostPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total cost of shares repurchased divided by the total number of shares repurchased.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockAcquiredAverageCostPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockRetiredCostMethodAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of decrease of par value, additional paid in capital (APIC) and retained earnings of common and preferred stock retired from treasury when treasury stock is accounted for under the cost method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockRetiredCostMethodAmount</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockSharesAcquired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares that have been repurchased during the period and are being held in treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockSharesAcquired</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockSharesRetired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares of common and preferred stock retired from treasury during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockSharesRetired</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockValueAcquiredCostMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockValueAcquiredCostMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareRepurchaseProgramAxis=slm_TenderOfferMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareRepurchaseProgramAxis=slm_TenderOfferMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareRepurchaseProgramAxis=slm_Rule10b51TradingPlanMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327327272">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stockholders' Equity - Share Repurchases (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">3 Months Ended</th>
<th class="th" colspan="1">11 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Jan. 28, 2021</div></th>
<th class="th"><div>Mar. 11, 2020</div></th>
<th class="th"><div>Mar. 10, 2020</div></th>
<th class="th"><div>Mar. 31, 2021</div></th>
<th class="th"><div>Jan. 28, 2021</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Jan. 26, 2022</div></th>
<th class="th"><div>Oct. 20, 2021</div></th>
<th class="th"><div>Jan. 27, 2021</div></th>
<th class="th"><div>Jan. 22, 2020</div></th>
<th class="th"><div>Jan. 23, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="nump">13,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">45,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">98,748,905<span></span>
</td>
<td class="nump">47,736,847<span></span>
</td>
<td class="nump">16,962,199<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockAcquiredAverageCostPerShare', window );">Average purchase price per share (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 14.70<span></span>
</td>
<td class="nump">$ 10.93<span></span>
</td>
<td class="nump">$ 10.85<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareRepurchaseProgramAxis=slm_A2019ShareRepurchaseProgramMember', window );">2019 Share Repurchase Program | Common Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchaseProgramAuthorizedAmount1', window );">Aggregate purchase price (not to exceed)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 200,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,000,000<span></span>
</td>
<td class="nump">17,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredParValueMethod', window );">Repurchase amount (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 33,000,000<span></span>
</td>
<td class="nump">$ 167,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareRepurchaseProgramAxis=slm_A2020ShareRepurchaseProgramMember', window );">2020 Share Repurchase Program</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchaseProgramAuthorizedAmount1', window );">Aggregate purchase price (not to exceed)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 600,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareRepurchaseProgramAxis=slm_A2020ShareRepurchaseProgramMember', window );">2020 Share Repurchase Program | Common Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">45,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,000,000<span></span>
</td>
<td class="nump">58,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Payment for delivery of common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 525,000,000<span></span>
</td>
<td class="nump">$ 75,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_TreasuryStockSharesAcquiredAdditionalSharesReceived', window );">Additional shares repurchased</a></td>
<td class="nump">13,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockAcquiredAverageCostPerShare', window );">Average purchase price per share (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 9.01<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareRepurchaseProgramAxis=slm_A2021ShareRepurchaseProgramMember', window );">2021 Share Repurchase Program</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1', window );">Remaining capacity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 38,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareRepurchaseProgramAxis=slm_A2021ShareRepurchaseProgramMember', window );">2021 Share Repurchase Program | Common Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchaseProgramAuthorizedAmount1', window );">Aggregate purchase price (not to exceed)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,500,000,000<span></span>
</td>
<td class="nump">$ 1,250,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">81,100,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Payment for delivery of common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,460,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased', window );">Number of additional shares authorized to be repurchased</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 250,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareRepurchaseProgramAxis=slm_A2022ShareRepurchaseProgramMember', window );">2022 Share Repurchase Program | Common Stock | Subsequent Event</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchaseProgramAuthorizedAmount1', window );">Aggregate purchase price (not to exceed)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,250,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Stock Repurchase Program, Number of Additional Shares Authorized to be Repurchased</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_TreasuryStockSharesAcquiredAdditionalSharesReceived">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Treasury Stock, Shares, Acquired, Additional Shares Received</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_TreasuryStockSharesAcquiredAdditionalSharesReceived</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ClassOfStockLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ClassOfStockLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchaseProgramAuthorizedAmount1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of stock repurchase plan authorized.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchaseProgramAuthorizedAmount1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount remaining of a stock repurchase plan authorized.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total cost of shares repurchased divided by the total number of shares repurchased.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockAcquiredAverageCostPerShare</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares that have been repurchased during the period and are being held in treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockSharesAcquired</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the par value method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506336324552">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stockholders' Equity - Common Stock Repurchased (Details) - USD ($)<br> $ / shares in Units, $ in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jan. 28, 2021</div></th>
<th class="th"><div>Mar. 10, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityAbstract', window );"><strong>Equity [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="nump">13,000,000<span></span>
</td>
<td class="nump">45,000,000<span></span>
</td>
<td class="nump">98,748,905<span></span>
</td>
<td class="nump">47,736,847<span></span>
</td>
<td class="nump">16,962,199<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts', window );">Average purchase price per share (in dollars per share)</a></td>
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<td class="text">&#160;<span></span>
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<td class="nump">$ 17.37<span></span>
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<td class="nump">$ 9.66<span></span>
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<td class="nump">$ 9.86<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,368,942<span></span>
</td>
<td class="nump">1,197,843<span></span>
</td>
<td class="nump">1,369,630<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockAcquiredAverageCostPerShare', window );">Average purchase price per share (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 14.70<span></span>
</td>
<td class="nump">$ 10.93<span></span>
</td>
<td class="nump">$ 10.85<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Common shares issued (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,786,581<span></span>
</td>
<td class="nump">3,129,325<span></span>
</td>
<td class="nump">3,743,705<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_StockRepurchaseProgramCancelledPurchaseShares', window );">Shares related to settlement of common stock tender offer</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">28,500,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareRepurchaseProgramAxis=slm_A2021ShareRepurchaseProgramMember', window );">2021 Share Repurchase Program</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1', window );">Remaining capacity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 38<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_StockRepurchaseProgramCancelledPurchaseShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Stock Repurchase Program, Cancelled Purchase, Shares</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_StockRepurchaseProgramCancelledPurchaseShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Treasury Stock Acquired, Average Cost Per Share, Including Commission Costs</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ClassOfStockLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ClassOfStockLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td>na</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of new stock issued during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesNewIssues</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount remaining of a stock repurchase plan authorized.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedDuringPeriodShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares that have been repurchased during the period and have not been retired and are not held in treasury. Some state laws may govern the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchasedDuringPeriodShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockAcquiredAverageCostPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total cost of shares repurchased divided by the total number of shares repurchased.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockAcquiredAverageCostPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockSharesAcquired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares that have been repurchased during the period and are being held in treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockSharesAcquired</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareRepurchaseProgramAxis=slm_A2021ShareRepurchaseProgramMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareRepurchaseProgramAxis=slm_A2021ShareRepurchaseProgramMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326875400">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Stockholders' Equity - Additional Information (Details)<br></strong></div></th>
<th class="th">
<div>Dec. 31, 2021 </div>
<div>$ / shares</div>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharePrice', window );">Share price (in dollars per share)</a></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ClassOfStockLineItems</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Price of a single share of a number of saleable stocks of a company.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>131
<FILENAME>R114.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506321921352">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Earnings Per Common Share (Details) - USD ($)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Sep. 30, 2021</div></th>
<th class="th"><div>Jun. 30, 2021</div></th>
<th class="th"><div>Mar. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Sep. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Mar. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NumeratorAbstract', window );"><strong>Numerator:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">$ 306,265<span></span>
</td>
<td class="nump">$ 72,840<span></span>
</td>
<td class="nump">$ 140,201<span></span>
</td>
<td class="nump">$ 641,207<span></span>
</td>
<td class="nump">$ 432,700<span></span>
</td>
<td class="nump">$ 171,028<span></span>
</td>
<td class="num">$ (85,211)<span></span>
</td>
<td class="nump">$ 362,173<span></span>
</td>
<td class="nump">$ 1,160,513<span></span>
</td>
<td class="nump">$ 880,690<span></span>
</td>
<td class="nump">$ 578,276<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendsIncomeStatementImpact', window );">Preferred stock dividends</a></td>
<td class="nump">1,177<span></span>
</td>
<td class="nump">1,166<span></span>
</td>
<td class="nump">1,192<span></span>
</td>
<td class="nump">1,201<span></span>
</td>
<td class="nump">1,734<span></span>
</td>
<td class="nump">2,058<span></span>
</td>
<td class="nump">2,478<span></span>
</td>
<td class="nump">3,464<span></span>
</td>
<td class="nump">4,736<span></span>
</td>
<td class="nump">9,734<span></span>
</td>
<td class="nump">16,837<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted', window );">Net income (loss) attributable to SLM Corporation common stock</a></td>
<td class="nump">305,088<span></span>
</td>
<td class="nump">71,674<span></span>
</td>
<td class="nump">139,009<span></span>
</td>
<td class="nump">640,006<span></span>
</td>
<td class="nump">430,966<span></span>
</td>
<td class="nump">168,970<span></span>
</td>
<td class="num">(87,689)<span></span>
</td>
<td class="nump">358,709<span></span>
</td>
<td class="nump">1,155,777<span></span>
</td>
<td class="nump">870,956<span></span>
</td>
<td class="nump">561,439<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income attributable to SLM Corporation common stock</a></td>
<td class="nump">$ 305,088<span></span>
</td>
<td class="nump">$ 71,674<span></span>
</td>
<td class="nump">$ 139,009<span></span>
</td>
<td class="nump">$ 640,006<span></span>
</td>
<td class="nump">$ 430,966<span></span>
</td>
<td class="nump">$ 168,970<span></span>
</td>
<td class="num">$ (87,689)<span></span>
</td>
<td class="nump">$ 358,709<span></span>
</td>
<td class="nump">$ 1,155,777<span></span>
</td>
<td class="nump">$ 870,956<span></span>
</td>
<td class="nump">$ 561,439<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DenominatorAbstract', window );"><strong>Denominator:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Weighted average shares used to compute basic EPS (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">314,993,000<span></span>
</td>
<td class="nump">383,705,000<span></span>
</td>
<td class="nump">427,292,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DilutiveSecuritiesAbstract', window );"><strong>Effect of dilutive securities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements', window );">Dilutive effect of stock options, restricted stock, restricted stock units and Employee Stock Purchase Plan (ESPP) (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,919,000<span></span>
</td>
<td class="nump">3,490,000<span></span>
</td>
<td class="nump">3,382,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Weighted average shares used to compute diluted EPS (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">319,912,000<span></span>
</td>
<td class="nump">387,195,000<span></span>
</td>
<td class="nump">430,674,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic earnings per common share (in usd per share)</a></td>
<td class="nump">$ 1.06<span></span>
</td>
<td class="nump">$ 0.24<span></span>
</td>
<td class="nump">$ 0.45<span></span>
</td>
<td class="nump">$ 1.77<span></span>
</td>
<td class="nump">$ 1.15<span></span>
</td>
<td class="nump">$ 0.45<span></span>
</td>
<td class="num">$ (0.23)<span></span>
</td>
<td class="nump">$ 0.88<span></span>
</td>
<td class="nump">$ 3.67<span></span>
</td>
<td class="nump">$ 2.27<span></span>
</td>
<td class="nump">$ 1.31<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted earnings per common share (in usd per share)</a></td>
<td class="nump">$ 1.04<span></span>
</td>
<td class="nump">$ 0.24<span></span>
</td>
<td class="nump">$ 0.44<span></span>
</td>
<td class="nump">$ 1.75<span></span>
</td>
<td class="nump">$ 1.13<span></span>
</td>
<td class="nump">$ 0.45<span></span>
</td>
<td class="num">$ (0.23)<span></span>
</td>
<td class="nump">$ 0.87<span></span>
</td>
<td class="nump">$ 3.61<span></span>
</td>
<td class="nump">$ 2.25<span></span>
</td>
<td class="nump">$ 1.30<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Antidilutive securities excluded from computation of earnings per share (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DenominatorAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Denominator [Abstract]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DenominatorAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NumeratorAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Numerator.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NumeratorAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=124432515&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DilutiveSecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DilutiveSecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 40<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (e)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=123482062&amp;loc=SL123482106-238011<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22583-107794<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22694-107794<br><br>Reference 4: 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-Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1337-109256<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 40<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=123482062&amp;loc=SL123482106-238011<br><br>Reference 9: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=125512782&amp;loc=d3e4984-109258<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 11: 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Additional shares included in the calculation of diluted EPS as a result of the potentially dilutive effect of share based payment arrangements using the treasury stock method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1707-109256<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124432515&amp;loc=d3e3550-109257<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28A<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1500-109256<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 23<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1757-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
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Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -URI http://asc.fasb.org/extlink&amp;oid=124359900&amp;loc=SL124442552-122756<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8906-108599<br><br>Reference 35: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8933-108599<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22595-107794<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1448-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22694-107794<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1377-109256<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124432515&amp;loc=d3e3550-109257<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8736-108599<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22694-107794<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=SL5780133-109256<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8933-108599<br><br>Reference 10: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8924-108599<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8906-108599<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22583-107794<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8933-108599<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities, and addition from assumption of issuance of common shares for dilutive potential common shares; of income (loss) available to common shareholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 40<br> -Subparagraph (b)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1930-109256<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 40<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1930-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=SL5780133-109256<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124432515&amp;loc=d3e3550-109257<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 40<br> -Subparagraph (b)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1930-109256<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1505-109256<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 40<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1930-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendsIncomeStatementImpact">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of preferred stock dividends that is an adjustment to net income apportioned to common stockholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockDividendsIncomeStatementImpact</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124432515&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1505-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124432515&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1448-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
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<FILENAME>R115.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<head>
<title></title>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506328027832">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation Plans and Arrangements - Additional Information (Details)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2021 </div>
<div>USD ($) </div>
<div>compensation_plan </div>
<div>shares</div>
</th>
<th class="th">
<div>Dec. 31, 2020 </div>
<div>USD ($) </div>
<div>shares</div>
</th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($) </div>
<div>shares</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_NumberofCompensationPlans', window );">Number of active stock-based compensation plans | compensation_plan</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation cost</a></td>
<td class="nump">$ 30,649,000<span></span>
</td>
<td class="nump">$ 36,464,000<span></span>
</td>
<td class="nump">$ 30,600,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 18,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Weighted average period for total unrecognized compensation cost</a></td>
<td class="text">1 year 4 months 24 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Options granted in period (in shares) | shares</a></td>
<td class="nump">998,891<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent', window );">Options granted, exercise price multiplier</a></td>
<td class="nump">115.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage', window );">Vesting percentage</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_OfferingPeriodOfEmployeeStockPurchasePlan', window );">Offering period of employee stock purchase plan</a></td>
<td class="text">12 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_MaximumContributionAmountPerEmployeeToEspp', window );">Maximum contribution amount per employee to ESPP</a></td>
<td class="nump">$ 7,500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=slm_EmployeeStockPurchasePlanMember', window );">Employee Stock Purchase Plan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized', window );">Shares authorized to be issued under plan (in shares) | shares</a></td>
<td class="nump">14,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 1,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate', window );">Percentage of discount available to employees under ESPP</a></td>
<td class="nump">15.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate', window );">Expected dividend rate</a></td>
<td class="nump">0.66%<span></span>
</td>
<td class="nump">1.76%<span></span>
</td>
<td class="nump">1.34%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1', window );">Vesting period</a></td>
<td class="text">1 year<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward', window );">Company's common stock purchased by ESPP participants (in shares) | shares</a></td>
<td class="nump">496,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=slm_PerformanceVestingStockOptionsMember', window );">Performance Vesting Stock Options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Vesting period</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember', window );">Restricted Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 400,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Weighted average period for total unrecognized compensation cost</a></td>
<td class="text">4 months 24 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Vesting period</a></td>
<td class="text">1 year<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockUnitsRSUMember', window );">Restricted Stock Units (RSUs)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Vesting period</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=slm_A2021OmnibusIncentivePlanMember', window );">2021 Omnibus Incentive Plan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized', window );">Shares authorized to be issued under plan (in shares) | shares</a></td>
<td class="nump">21,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_MaximumContributionAmountPerEmployeeToEspp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Maximum contribution amount per employee to ESPP.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_MaximumContributionAmountPerEmployeeToEspp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_NumberofCompensationPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of Compensation Plans</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NumberofCompensationPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_OfferingPeriodOfEmployeeStockPurchasePlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Offering period of employee stock purchase plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_OfferingPeriodOfEmployeeStockPurchasePlan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercise Price, Multiplier, Percent</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cost not yet recognized for nonvested award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted-average period over which cost not yet recognized is expected to be recognized for award under share-based payment arrangement, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of noncash expense for share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Estimated period over which an employee is required to provide service in exchange for the equity-based payment award, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period over which grantee's right to exercise award under share-based payment arrangement is no longer contingent on satisfaction of service or performance condition, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days. Includes, but is not limited to, combination of market, performance or service condition.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Discount rate from fair value on offering date that participants pay for shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The estimated dividend rate (a percentage of the share price) to be paid (expected dividends) to holders of the underlying shares over the option's term.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares authorized for issuance under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Gross number of share options (or share units) granted during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares purchased for issuance under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5047-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of vesting of award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=slm_EmployeeStockPurchasePlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=slm_EmployeeStockPurchasePlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=slm_PerformanceVestingStockOptionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=slm_PerformanceVestingStockOptionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockUnitsRSUMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_RestrictedStockUnitsRSUMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=slm_A2021OmnibusIncentivePlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=slm_A2021OmnibusIncentivePlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>133
<FILENAME>R116.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327183048">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation Plans and Arrangements - Stock Option Activity (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward', window );"><strong>Number of Options</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Beginning balance (in shares)</a></td>
<td class="nump">241,675<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod', window );">Granted (in shares)</a></td>
<td class="nump">998,891<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Exercised (in shares)</a></td>
<td class="num">(236,275)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod', window );">Canceled (in shares)</a></td>
<td class="num">(5,400)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Ending balance (in shares)</a></td>
<td class="nump">998,891<span></span>
</td>
<td class="nump">241,675<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber', window );">Exercisable (in shares)</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward', window );"><strong>Weighted Average Exercise Price&#160;per Share</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Beginning balance (in dollars per share)</a></td>
<td class="nump">$ 5.24<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice', window );">Granted (in dollars per share)</a></td>
<td class="nump">17.65<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice', window );">Exercised (in dollars per share)</a></td>
<td class="nump">5.24<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice', window );">Canceled (in dollars per share)</a></td>
<td class="nump">5.24<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Ending balance (in dollars per share)</a></td>
<td class="nump">17.65<span></span>
</td>
<td class="nump">$ 5.24<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable (in dollars per share)</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract', window );"><strong>Weighted Average Remaining Contractual Term</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2', window );">Weighted Average Remaining Contractual Term, Outstanding, ending balance</a></td>
<td class="text">2 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1', window );">Weighted Average Remaining Contractual Term, Exercisable, ending balance</a></td>
<td class="text">0 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract', window );"><strong>Aggregate Intrinsic Value</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue', window );">Aggregate Intrinsic Value, Outstanding, ending balance</a></td>
<td class="nump">$ 2,018,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1', window );">Aggregate Intrinsic Value, Exercisable, ending balance</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue', window );">Total intrinsic value of options exercised</a></td>
<td class="nump">2,000,000<span></span>
</td>
<td class="nump">$ 3,000,000<span></span>
</td>
<td class="nump">$ 4,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromStockOptionsExercised', window );">Cash received from option exercises</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions', window );">Tax benefit from exercise of stock options</a></td>
<td class="nump">$ 1,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of tax benefit from exercise of option under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=SL79508275-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromStockOptionsExercised">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from exercise of option under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=SL79508275-113901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3255-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of shares into which fully or partially vested stock options outstanding as of the balance sheet date can be currently converted under the option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted-average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on vested portions of options outstanding and currently exercisable under the stock option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated difference between fair value of underlying shares on dates of exercise and exercise price on options exercised (or share units converted) into shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of shares under options that were cancelled during the reporting period as a result of occurrence of a terminating event specified in contractual agreements pertaining to the stock option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net number of share options (or share units) granted during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount by which the current fair value of the underlying stock exceeds the exercise price of options outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of options outstanding, including both vested and non-vested options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average price at which grantees can acquire the shares reserved for issuance under the stock option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average price at which option holders acquired shares when converting their stock options into shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average price at which grantees could have acquired the underlying shares with respect to stock options that were terminated.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average per share amount at which grantees can acquire shares of common stock by exercise of options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of difference between fair value of the underlying shares reserved for issuance and exercise price of vested portions of options outstanding and currently exercisable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average remaining contractual term for vested portions of options outstanding and currently exercisable or convertible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average remaining contractual term for option awards outstanding, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of share options (or share units) exercised during the current period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=d3e21463-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506313303880">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation Plans and Arrangements - Restricted Stock and Performance Stock Unit Activity (Details) - USD ($)<br> $ / shares in Units, $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward', window );"><strong>Weighted Average&#160;Grant Date Fair Value</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 18.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Weighted average period for total unrecognized compensation cost</a></td>
<td class="text">1 year 4 months 24 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember', window );">Restricted Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward', window );"><strong>Number&#160;of Shares</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Beginning balance (in shares)</a></td>
<td class="nump">143,033<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Granted (in shares)</a></td>
<td class="nump">54,098<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod', window );">Vested (in shares)</a></td>
<td class="num">(143,033)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod', window );">Canceled (in shares)</a></td>
<td class="num">(4,918)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Ending balance (in shares)</a></td>
<td class="nump">49,180<span></span>
</td>
<td class="nump">143,033<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward', window );"><strong>Weighted Average&#160;Grant Date Fair Value</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Beginning balance (in dollars per share)</a></td>
<td class="nump">$ 7.69<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Granted (in dollars per share)</a></td>
<td class="nump">20.33<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue', window );">Vested (in dollars per share)</a></td>
<td class="nump">7.69<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue', window );">Canceled (in dollars per share)</a></td>
<td class="nump">20.33<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Ending balance (in dollars per share)</a></td>
<td class="nump">$ 20.33<span></span>
</td>
<td class="nump">$ 7.69<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue', window );">Fair value of shares vested</a></td>
<td class="nump">$ 1.0<span></span>
</td>
<td class="nump">$ 1.0<span></span>
</td>
<td class="nump">$ 1.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 0.4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Weighted average period for total unrecognized compensation cost</a></td>
<td class="text">4 months 24 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=slm_RestrictedStockUnitsAndPerformanceStockUnitsMember', window );">Restricted Stock Units And Performance Stock Units</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward', window );"><strong>Number&#160;of Shares</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Beginning balance (in shares)</a></td>
<td class="nump">6,721,505<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Granted (in shares)</a></td>
<td class="nump">1,673,427<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod', window );">Vested (in shares)</a></td>
<td class="num">(2,944,877)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod', window );">Canceled (in shares)</a></td>
<td class="num">(141,559)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Ending balance (in shares)</a></td>
<td class="nump">5,308,496<span></span>
</td>
<td class="nump">6,721,505<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward', window );"><strong>Weighted Average&#160;Grant Date Fair Value</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Beginning balance (in dollars per share)</a></td>
<td class="nump">$ 10.41<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Granted (in dollars per share)</a></td>
<td class="nump">15.51<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue', window );">Vested (in dollars per share)</a></td>
<td class="nump">10.64<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue', window );">Canceled (in dollars per share)</a></td>
<td class="nump">12.85<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Ending balance (in dollars per share)</a></td>
<td class="nump">$ 11.83<span></span>
</td>
<td class="nump">$ 10.41<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock', window );">Fair value of restricted stock units that vested and converted to common stock</a></td>
<td class="nump">$ 31.0<span></span>
</td>
<td class="nump">$ 26.0<span></span>
</td>
<td class="nump">$ 27.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 15.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Weighted average period for total unrecognized compensation cost</a></td>
<td class="text">1 year 4 months 24 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total fair value of restricted stock units that vested and converted to common stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Share based compensation arrangement by share based payment award equity instruments other than options canceled forfeited in period weighted average grant date fair value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cost not yet recognized for nonvested award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted-average period over which cost not yet recognized is expected to be recognized for award under share-based payment arrangement, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of equity-based payment instruments, excluding stock (or unit) options, that were forfeited during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of non-vested equity-based payment instruments, excluding stock (or unit) options, that validly exist and are outstanding as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Per share or unit weighted-average fair value of nonvested award under share-based payment arrangement. Excludes share and unit options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of equity-based payment instruments, excluding stock (or unit) options, that vested during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of share-based awards for which the grantee gained the right by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average fair value as of grant date pertaining to an equity-based award plan other than a stock (or unit) option plan for which the grantee gained the right during the reporting period, by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash in accordance with the terms of the arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=slm_RestrictedStockUnitsAndPerformanceStockUnitsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=slm_RestrictedStockUnitsAndPerformanceStockUnitsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</body>
</html>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>135
<FILENAME>R118.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506325495176">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation Plans and Arrangements - Employee Stock Purchase Plan (Details) - Employee Stock Purchase Plan - $ / shares<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate', window );">Risk-free interest rate</a></td>
<td class="nump">0.07%<span></span>
</td>
<td class="nump">0.12%<span></span>
</td>
<td class="nump">1.87%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate', window );">Expected volatility</a></td>
<td class="nump">34.00%<span></span>
</td>
<td class="nump">49.00%<span></span>
</td>
<td class="nump">29.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate', window );">Expected dividend rate</a></td>
<td class="nump">0.66%<span></span>
</td>
<td class="nump">1.76%<span></span>
</td>
<td class="nump">1.34%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1', window );">Expected life of the option (in years)</a></td>
<td class="text">1 year<span></span>
</td>
<td class="text">1 year<span></span>
</td>
<td class="text">1 year<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Weighted average fair value of stock purchase rights (in dollars per share)</a></td>
<td class="nump">$ 4.93<span></span>
</td>
<td class="nump">$ 1.74<span></span>
</td>
<td class="nump">$ 1.77<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The estimated dividend rate (a percentage of the share price) to be paid (expected dividends) to holders of the underlying shares over the option's term.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The estimated measure of the percentage by which a share price is expected to fluctuate during a period. Volatility also may be defined as a probability-weighted measure of the dispersion of returns about the mean. The volatility of a share price is the standard deviation of the continuously compounded rates of return on the share over a specified period. That is the same as the standard deviation of the differences in the natural logarithms of the stock prices plus dividends, if any, over the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The risk-free interest rate assumption that is used in valuing an option on its own shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iv)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average grant-date fair value of options granted during the reporting period as calculated by applying the disclosed option pricing methodology.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expected term of award under share-based payment arrangement, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=120381028&amp;loc=d3e5070-113901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 14.D.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=122041274&amp;loc=d3e301413-122809<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=slm_EmployeeStockPurchasePlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=slm_EmployeeStockPurchasePlanMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506313435080">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value Measurements - Valuation of Financial Instruments that are Marked-to-Market on Recurring Basis (Detail) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">$ 37,465<span></span>
</td>
<td class="nump">$ 16,923<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">2,517,956<span></span>
</td>
<td class="nump">1,996,634<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements Recurring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">37,465<span></span>
</td>
<td class="nump">16,923<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">2,517,956<span></span>
</td>
<td class="nump">1,996,634<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">1,322<span></span>
</td>
<td class="nump">729<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total</a></td>
<td class="nump">2,556,743<span></span>
</td>
<td class="nump">2,014,286<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="num">(252)<span></span>
</td>
<td class="num">(287)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements Recurring | Level&#160;1&#160;</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements Recurring | Level&#160;2&#160;</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">2,517,956<span></span>
</td>
<td class="nump">1,996,634<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">1,322<span></span>
</td>
<td class="nump">729<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total</a></td>
<td class="nump">2,519,278<span></span>
</td>
<td class="nump">1,997,363<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="num">(252)<span></span>
</td>
<td class="num">(287)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements Recurring | Level&#160;3&#160;</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">37,465<span></span>
</td>
<td class="nump">16,923<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total</a></td>
<td class="nump">37,465<span></span>
</td>
<td class="nump">16,923<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123874694&amp;loc=d3e19207-110258<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsFairValueDisclosure</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsFairValueDisclosureAbstract</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124258926&amp;loc=SL82898722-210454<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26610-111562<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=123581744&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226008-175313<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226052-175313<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=123594938&amp;loc=d3e13433-108611<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226008-175313<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=123594938&amp;loc=d3e13433-108611<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226052-175313<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesFairValueDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesFairValueDisclosureAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TradingSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in net income (trading).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26610-111562<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26610-111562<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TradingSecuritiesDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506313319256">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value Measurements - Fair Values of Financial Assets and Liabilities, Including Derivative Financial Instruments (Detail) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Earning assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 340,389<span></span>
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</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">37,465<span></span>
</td>
<td class="nump">16,923<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AccruedInterestReceivableFairValueDisclosureDifference', window );">Accrued interest receivable, difference</a></td>
<td class="nump">100,743<span></span>
</td>
<td class="nump">140,511<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReceivable', window );">Tax indemnification receivable</a></td>
<td class="nump">239,578<span></span>
</td>
<td class="nump">374,706<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue', window );">Total earning assets, difference</a></td>
<td class="nump">3,409,977<span></span>
</td>
<td class="nump">4,182,834<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Interest-bearing liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LongtermDebtFairValueDifferenceBetweenCarryingValueandFairValue', window );">Long-term borrowings, difference</a></td>
<td class="num">(69,184)<span></span>
</td>
<td class="num">(209,092)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue', window );">Total interest-bearing liabilities, difference</a></td>
<td class="num">(151,510)<span></span>
</td>
<td class="num">(479,976)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_ExcessOfNetAssetFairValueOverCarryingValue', window );">Excess of net asset fair value over carrying value</a></td>
<td class="nump">3,258,467<span></span>
</td>
<td class="nump">3,702,858<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByLiabilityClassAxis=slm_MoneyMarketandSavingsAccountsMember', window );">Money-market and savings accounts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Interest-bearing liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue', window );">Certificates of deposits, difference</a></td>
<td class="num">(24,799)<span></span>
</td>
<td class="num">(68,927)<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByLiabilityClassAxis=us-gaap_CertificatesOfDepositMember', window );">Certificates of Deposit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Interest-bearing liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue', window );">Certificates of deposits, difference</a></td>
<td class="num">(57,527)<span></span>
</td>
<td class="num">(201,957)<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Earning assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">3,226,029<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">4,334,603<span></span>
</td>
<td class="nump">4,455,292<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">37,465<span></span>
</td>
<td class="nump">16,923<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsFairValueDisclosure', window );">Available-for-sale investments</a></td>
<td class="nump">2,517,956<span></span>
</td>
<td class="nump">1,996,634<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AccruedInterestReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="nump">1,306,410<span></span>
</td>
<td class="nump">1,527,816<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReceivable', window );">Tax indemnification receivable</a></td>
<td class="nump">8,047<span></span>
</td>
<td class="nump">18,492<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">1,322<span></span>
</td>
<td class="nump">729<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total</a></td>
<td class="nump">31,856,320<span></span>
</td>
<td class="nump">34,126,992<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Interest-bearing liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtFairValue', window );">Short-term borrowings</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtFairValue', window );">Long-term borrowings</a></td>
<td class="nump">6,000,174<span></span>
</td>
<td class="nump">5,398,309<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="nump">46,600<span></span>
</td>
<td class="nump">60,272<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="nump">252<span></span>
</td>
<td class="nump">287<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialLiabilitiesFairValueDisclosure', window );">Total interest-bearing liabilities</a></td>
<td class="nump">26,956,044<span></span>
</td>
<td class="nump">28,394,651<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Fair Value | Money-market and savings accounts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Interest-bearing liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">11,457,490<span></span>
</td>
<td class="nump">11,136,560<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Fair Value | Certificates of Deposit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Interest-bearing liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">9,451,528<span></span>
</td>
<td class="nump">11,799,223<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember', window );">Carrying Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Earning assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,885,640<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">4,334,603<span></span>
</td>
<td class="nump">4,455,292<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">37,465<span></span>
</td>
<td class="nump">16,923<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsFairValueDisclosure', window );">Available-for-sale investments</a></td>
<td class="nump">2,517,956<span></span>
</td>
<td class="nump">1,996,634<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AccruedInterestReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="nump">1,205,667<span></span>
</td>
<td class="nump">1,387,305<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReceivable', window );">Tax indemnification receivable</a></td>
<td class="nump">8,047<span></span>
</td>
<td class="nump">18,492<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative instruments</a></td>
<td class="nump">1,322<span></span>
</td>
<td class="nump">729<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total</a></td>
<td class="nump">28,446,343<span></span>
</td>
<td class="nump">29,944,158<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Interest-bearing liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtFairValue', window );">Short-term borrowings</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtFairValue', window );">Long-term borrowings</a></td>
<td class="nump">5,930,990<span></span>
</td>
<td class="nump">5,189,217<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="nump">46,600<span></span>
</td>
<td class="nump">60,272<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="nump">252<span></span>
</td>
<td class="nump">287<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialLiabilitiesFairValueDisclosure', window );">Total interest-bearing liabilities</a></td>
<td class="nump">26,804,534<span></span>
</td>
<td class="nump">27,914,675<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember', window );">Carrying Value | Money-market and savings accounts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Interest-bearing liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">11,432,691<span></span>
</td>
<td class="nump">11,067,633<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember', window );">Carrying Value | Certificates of Deposit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Interest-bearing liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">9,394,001<span></span>
</td>
<td class="nump">11,597,266<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Earning assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueandFairValue', window );">Loans held for investment, net, difference</a></td>
<td class="nump">3,294,462<span></span>
</td>
<td class="nump">3,687,203<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Earning assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Private Education Loans</a></td>
<td class="nump">22,919,836<span></span>
</td>
<td class="nump">22,124,171<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Carrying Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Earning assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Private Education Loans</a></td>
<td class="nump">19,625,374<span></span>
</td>
<td class="nump">18,436,968<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember', window );">FFELP Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Earning assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueandFairValue', window );">Loans held for investment, net, difference</a></td>
<td class="nump">12,690<span></span>
</td>
<td class="nump">13,449<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember', window );">FFELP Loans | Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Earning assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Private Education Loans</a></td>
<td class="nump">705,644<span></span>
</td>
<td class="nump">748,657<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember', window );">FFELP Loans | Carrying Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Earning assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Private Education Loans</a></td>
<td class="nump">692,954<span></span>
</td>
<td class="nump">735,208<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_CreditCardsMember', window );">Credit Cards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Earning assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueandFairValue', window );">Loans held for investment, net, difference</a></td>
<td class="nump">2,082<span></span>
</td>
<td class="nump">1,282<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_CreditCardsMember', window );">Credit Cards | Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Earning assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Private Education Loans</a></td>
<td class="nump">25,037<span></span>
</td>
<td class="nump">12,249<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_CreditCardsMember', window );">Credit Cards | Carrying Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Earning assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Private Education Loans</a></td>
<td class="nump">$ 22,955<span></span>
</td>
<td class="nump">$ 10,967<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AccruedInterestReceivableFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Accrued Interest Receivable, Fair Value Disclosure</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AccruedInterestReceivableFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AccruedInterestReceivableFairValueDisclosureDifference">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Accrued Interest Receivable, Fair Value Disclosure, Difference</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AccruedInterestReceivableFairValueDisclosureDifference</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Assets, Fair Value Disclosure, Difference Between Carrying Value and Fair Value</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deposits, Fair Value Disclosure, Difference Between Carrying Value and Fair Value</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueandFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_ExcessOfNetAssetFairValueOverCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Excess of net asset fair value over carrying value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ExcessOfNetAssetFairValueOverCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financial Liabilities Fair Value Disclosure, Difference Between Carrying Value and Fair Value</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueandFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Receivable, Fair Value Disclosure, Difference</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueandFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LongtermDebtFairValueDifferenceBetweenCarryingValueandFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Long-term Debt, Fair Value, Difference Between Carrying Value and Fair Value</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LongtermDebtFairValueDifferenceBetweenCarryingValueandFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedLiabilitiesFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of accrued expenses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.20)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccruedLiabilitiesFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123874694&amp;loc=d3e19207-110258<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of deposit liabilities held by the entity, including, but not limited to, foreign and domestic, interest and noninterest bearing, demand deposits, saving deposits, negotiable orders of withdrawal (NOW) and time deposits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226008-175313<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226052-175313<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=123594938&amp;loc=d3e13433-108611<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=51824906&amp;loc=SL20225862-175312<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226008-175313<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=123594938&amp;loc=d3e13433-108611<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 20<br> -Section 55<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=99393222&amp;loc=SL20226052-175313<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialLiabilitiesFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of financial obligations, including, but not limited to, debt instruments, derivative liabilities, federal funds purchased and sold under agreements to repurchase, securities loaned or sold under agreements to repurchase, financial instruments sold not yet purchased, guarantees, line of credit, loans and notes payable, servicing liability, and trading liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialLiabilitiesFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of income taxes previously overpaid to tax authorities (such as U.S. Federal, state and local tax authorities) representing refunds of overpayments or recoveries based on agreed-upon resolutions of disputes. Also called income tax refund receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of investment securities, including, but not limited to, marketable securities, derivative financial instruments, and investments accounted for under the equity method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123874694&amp;loc=d3e19207-110258<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansHeldForSaleFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansHeldForSaleFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansReceivableFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The fair value amount of long-term debt whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShorttermDebtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount of short-term debt existing as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShorttermDebtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TradingSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in net income (trading).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26610-111562<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124260329&amp;loc=d3e26610-111562<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TradingSecuritiesDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByLiabilityClassAxis=slm_MoneyMarketandSavingsAccountsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByLiabilityClassAxis=slm_MoneyMarketandSavingsAccountsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByLiabilityClassAxis=us-gaap_CertificatesOfDepositMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByLiabilityClassAxis=us-gaap_CertificatesOfDepositMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_PrivateEducationLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_PrivateEducationLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_CreditCardsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=slm_CreditCardsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>138
<FILENAME>R121.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326807080">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Arrangements with Navient Corporation (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Apr. 30, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsAbstract', window );"><strong>Related Party Transactions [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DeferredTaxAssetsRemainingBalanceofIndemnificationReceivableInConnectionwithTheSpinOff', window );">Remaining balance of indemnification receivable in connection with the spin-off</a></td>
<td class="nump">$ 5<span></span>
</td>
<td class="nump">$ 27<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DeferredTaxAssetsRemainingBalanceofIndemnificationReceivableInConnectionwithTheSpinOff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Assets, Remaining Balance of Indemnification Receivable In Connection with The Spin-Off</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DeferredTaxAssetsRemainingBalanceofIndemnificationReceivableInConnectionwithTheSpinOff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RelatedPartyTransactionsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RelatedPartyTransactionsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>139
<FILENAME>R122.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506329000712">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Regulatory Capital - Additional Information (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Jan. 01, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses on loans and leases</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,165,335<span></span>
</td>
<td class="nump">$ 1,361,723<span></span>
</td>
<td class="nump">$ 441,912<span></span>
</td>
<td class="nump">$ 341,121<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Allowance for credit losses on unfunded commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">72,713<span></span>
</td>
<td class="nump">110,044<span></span>
</td>
<td class="nump">2,481<span></span>
</td>
<td class="nump">$ 2,165<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis=us-gaap_AccountingStandardsUpdate201613Member', window );">Accounting Standards Update 2016-13</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements', window );">Period of deferment</a></td>
<td class="text">2 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred', window );">Amount deferred</a></td>
<td class="nump">25.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses on loans and leases</a></td>
<td class="nump">$ 1,100,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Allowance for credit losses on unfunded commitments</a></td>
<td class="nump">116,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxAssetsNet', window );">Deferred tax asset</a></td>
<td class="nump">306,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod', window );">Reduction to retained earnings</a></td>
<td class="nump">$ 953,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=slm_SallieMaeBankMember', window );">Sallie Mae Bank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Dividends', window );">Dividends</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,400,000<span></span>
</td>
<td class="nump">$ 579,000<span></span>
</td>
<td class="nump">$ 254,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adoption Of New Accounting Pronouncements, Percent Deferred</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AdoptionOfNewAccountingPronouncementsPercentDeferred</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period Of Deferment For Adoption Of New Accounting Pronouncements</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
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<td>xbrli:durationItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after allocation of valuation allowances and deferred tax liability, of deferred tax asset attributable to deductible differences and carryforwards, with jurisdictional netting.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=123427490&amp;loc=d3e31931-109318<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=123427490&amp;loc=d3e31917-109318<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Dividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of paid and unpaid cash, stock, and paid-in-kind (PIK) dividends declared, for example, but not limited to, common and preferred stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Dividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82895884-210446<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The effect of a change in method or methods for calculating the allowance for credit losses on the current period provision.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123577603&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OffBalanceSheetCreditLossLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expected credit loss for credit exposure on off-balance-sheet commitment, including but not limited to, loan commitment, standby letter of credit, financial guarantee not accounted for as insurance. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 460<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121611286&amp;loc=d3e11927-110247<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=124255206&amp;loc=SL82919202-210446<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OffBalanceSheetCreditLossLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis=us-gaap_AccountingStandardsUpdate201613Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsForNewAccountingPronouncementsAxis=us-gaap_AccountingStandardsUpdate201613Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=slm_SallieMaeBankMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=slm_SallieMaeBankMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327312072">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Regulatory Capital - Well Capitalized Regulatory Requirements (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalAbstract', window );"><strong>Actual Amount</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_CommonEquityTierOneRiskBasedCapital', window );">Tier 1 Capital (to Average Assets)</a></td>
<td class="nump">$ 3,314,657<span></span>
</td>
<td class="nump">$ 3,579,005<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">3,314,657<span></span>
</td>
<td class="nump">3,579,005<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Capital', window );">Total Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">3,410,183<span></span>
</td>
<td class="nump">3,849,820<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Tier 1 Capital (to Average Assets)</a></td>
<td class="nump">$ 3,314,657<span></span>
</td>
<td class="nump">$ 3,579,005<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RiskBasedRatiosAbstract', window );"><strong>Actual Ratio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets', window );">Tier 1 Capital (to Average Assets)</a></td>
<td class="nump">14.10%<span></span>
</td>
<td class="nump">14.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">0.141<span></span>
</td>
<td class="nump">0.140<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">0.145<span></span>
</td>
<td class="nump">0.150<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 Capital (to Average Assets)</a></td>
<td class="nump">0.111<span></span>
</td>
<td class="nump">0.113<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Well Capitalized Regulatory Requirements, Amount</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized', window );">Tier 1 Capital (to Average Assets)</a></td>
<td class="nump">$ 1,643,132<span></span>
</td>
<td class="nump">$ 1,794,780<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">1,995,232<span></span>
</td>
<td class="nump">2,179,375<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalized', window );">Total Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">2,464,699<span></span>
</td>
<td class="nump">2,692,169<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (to Average Assets)</a></td>
<td class="nump">$ 1,198,808<span></span>
</td>
<td class="nump">$ 1,264,424<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeverageRatiosAbstract', window );"><strong>Well Capitalized Regulatory Requirements, Ratio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets', window );">Tier 1 Capital (to Average Assets)</a></td>
<td class="nump">7.00%<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">0.085<span></span>
</td>
<td class="nump">0.085<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Total Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">0.105<span></span>
</td>
<td class="nump">0.105<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 Capital (to Average Assets)</a></td>
<td class="nump">0.040<span></span>
</td>
<td class="nump">0.040<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CommonEquityTierOneRiskBasedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Common Equity Tier One Risk Based Capital</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CommonEquityTierOneRiskBasedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tier One Common Equity Capital Required to be Well Capitalized to Risk Weighted Assets</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tier One Common Equity Capital to Risk Weighted Assets</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_TierOneCommonEquityCapitaltoRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tier One Risk Based Capital for Common Equity Required to be Capitalized</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Capital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of total capital as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Capital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum total risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum total risk-based capital to risk-weighted assets categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of total risk-based capital to risk-weighted assets as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeverageRatiosAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeverageRatiosAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RiskBasedRatiosAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RiskBasedRatiosAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of Tier 1 leverage capital as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum Tier 1 leverage capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum Tier 1 leverage capital to average assets categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of Tier 1 capital to average assets as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of Tier 1 risk-based capital as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum Tier 1 risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum Tier 1 risk-based capital to risk-weighted assets categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Ratio of Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>141
<FILENAME>R124.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506318076552">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Defined Contribution Plans (Details) - Sallie Mae 401(k) Savings Plan - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanDisclosureLineItems', window );"><strong>Defined Contribution Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent', window );">Employer matching contribution percentage</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_Type1ofDefinedContributionPlan', window );">Type 1 of defined benefit contribution (up to)</a></td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount', window );">Employer contribution amount</a></td>
<td class="nump">$ 7<span></span>
</td>
<td class="nump">$ 8<span></span>
</td>
<td class="nump">$ 7<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_Type1ofDefinedContributionPlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Type 1 of Defined Contribution Plan</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_Type1ofDefinedContributionPlan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedContributionPlanDisclosureLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedContributionPlanDisclosureLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of discretionary contributions made by an employer to a defined contribution plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of employees' gross pay for which the employer contributes a matching contribution to a defined contribution plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanNameAxis=slm_SallieMae401kSavingsPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanNameAxis=slm_SallieMae401kSavingsPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>142
<FILENAME>R125.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506326928712">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commitments, Contingencies and Guarantees (Details)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2021 </div>
<div>USD ($)</div>
</th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments and Contingencies Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualObligation', window );">Contractual obligation</a></td>
<td class="nump">$ 1,800<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_OtherLiabilitiesReserve', window );">Other liabilities reserve</a></td>
<td class="nump">$ 73<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_LossContingencyLossEmergencePeriod', window );">Loss emergence period</a></td>
<td class="text">1 year<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LossContingencyLossEmergencePeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loss Contingency, Loss Emergence Period</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LossContingencyLossEmergencePeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_OtherLiabilitiesReserve">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Other Liabilities Reserve</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_OtherLiabilitiesReserve</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommitmentsAndContingenciesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ContractualObligation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of contractual obligation, including but not limited to, long-term debt, capital lease obligations, operating lease obligations, purchase obligations, and other commitments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ContractualObligation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506325554696">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes - Reconciliations of Statutory U.S. Federal Income Tax Rates to Our Effective Tax Rate for Continuing Operations (Details)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract', window );"><strong>Effective Income Tax Rate Reconciliation, Percent [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate', window );">Statutory rate</a></td>
<td class="nump">21.00%<span></span>
</td>
<td class="nump">21.00%<span></span>
</td>
<td class="nump">21.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes', window );">State tax, net of federal benefit</a></td>
<td class="nump">3.10%<span></span>
</td>
<td class="nump">2.90%<span></span>
</td>
<td class="nump">3.90%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits', window );">Business tax credits</a></td>
<td class="num">(0.80%)<span></span>
</td>
<td class="num">(2.20%)<span></span>
</td>
<td class="num">(3.50%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_EffectiveTaxRateReconciliationReverseFederalImpactofIndemnificationAdjustments', window );">Reverse federal impact of indemnification adjustments</a></td>
<td class="nump">0.10%<span></span>
</td>
<td class="nump">0.20%<span></span>
</td>
<td class="nump">0.30%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_EffectiveIncomeTaxRateReconciliationUnrecognizedTaxBenefitsNetofFederalBenefit', window );">Unrecognized tax benefits, U.S. federal and state, net of federal benefit</a></td>
<td class="nump">0.40%<span></span>
</td>
<td class="nump">0.70%<span></span>
</td>
<td class="num">(0.10%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments', window );">Other, net</a></td>
<td class="nump">0.90%<span></span>
</td>
<td class="nump">1.10%<span></span>
</td>
<td class="nump">0.70%<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateContinuingOperations', window );">Effective tax rate</a></td>
<td class="nump">24.70%<span></span>
</td>
<td class="nump">23.70%<span></span>
</td>
<td class="nump">22.30%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_EffectiveIncomeTaxRateReconciliationUnrecognizedTaxBenefitsNetofFederalBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Effective Income Tax Rate Reconciliation, Unrecognized Tax Benefits, Net of Federal Benefit</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_EffectiveIncomeTaxRateReconciliationUnrecognizedTaxBenefitsNetofFederalBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_EffectiveTaxRateReconciliationReverseFederalImpactofIndemnificationAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Effective Tax Rate Reconciliation, Reverse Federal Impact of Indemnification Adjustments</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_EffectiveTaxRateReconciliationReverseFederalImpactofIndemnificationAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of domestic federal statutory tax rate applicable to pretax income (loss).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.Fact.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32687-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.Fact.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations applicable to state and local income tax expense (benefit), net of federal tax expense (benefit).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.Fact.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to tax credits. Including, but not limited to, research credit, foreign tax credit, investment tax credit, and other tax credits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32687-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.Fact.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506327166424">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes - Additional Information (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems', window );"><strong>Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate', window );">Statutory U.S. federal rate</a></td>
<td class="nump">21.00%<span></span>
</td>
<td class="nump">21.00%<span></span>
</td>
<td class="nump">21.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLossCarryforwardsValuationAllowance', window );">Operating loss carryforwards, valuation allowance</a></td>
<td class="nump">$ 286,000<span></span>
</td>
<td class="nump">$ 277,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount', window );">Valuation allowance</a></td>
<td class="nump">285,000<span></span>
</td>
<td class="nump">277,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_OperatingLossCarryforwardsCapitalLoss', window );">Capital loss</a></td>
<td class="nump">16,000<span></span>
</td>
<td class="nump">16,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefits', window );">Unrecognized tax benefits</a></td>
<td class="nump">75,328<span></span>
</td>
<td class="nump">63,134<span></span>
</td>
<td class="nump">$ 53,509<span></span>
</td>
<td class="nump">$ 52,159<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate', window );">Unrecognized tax benefits recognition impact on effective tax rate</a></td>
<td class="nump">65,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued', window );">Interest on income taxes accrued net of related benefit</a></td>
<td class="nump">10,000<span></span>
</td>
<td class="nump">11,000<span></span>
</td>
<td class="nump">12,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense', window );">Interest on income tax expense net of related tax benefit</a></td>
<td class="num">(1,000)<span></span>
</td>
<td class="num">$ (1,000)<span></span>
</td>
<td class="num">$ (1,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible', window );">Possible decrease in uncertain tax position</a></td>
<td class="nump">$ 6,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RangeAxis=srt_MinimumMember', window );">Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems', window );"><strong>Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_CombinationOfSubsidiariesTaxYears', window );">Combination of subsidiaries</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RangeAxis=srt_MaximumMember', window );">Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems', window );"><strong>Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_CombinationOfSubsidiariesTaxYears', window );">Combination of subsidiaries</a></td>
<td class="text">4 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_CombinationOfSubsidiariesTaxYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Combination of subsidiaries tax years.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CombinationOfSubsidiariesTaxYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_OperatingLossCarryforwardsCapitalLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Operating Loss Carryforwards, Capital Loss</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_OperatingLossCarryforwardsCapitalLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of decrease reasonably possible in the next twelve months for the unrecognized tax benefit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (d)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32718-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of domestic federal statutory tax rate applicable to pretax income (loss).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.Fact.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLossCarryforwardsValuationAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of the valuation allowance pertaining to the deferred tax asset representing potential future taxable deductions from net operating loss carryforwards for which it is more likely than not that a tax benefit will not be realized.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLossCarryforwardsValuationAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unrecognized tax benefits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10B<br> -URI http://asc.fasb.org/extlink&amp;oid=123427490&amp;loc=SL37586934-109318<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=SL6600010-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest expense accrued for an underpayment of income taxes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32718-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest expense for an underpayment of income taxes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32718-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=SL6600010-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in the valuation allowance for a specified deferred tax asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount</td>
</tr>
<tr>
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<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
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<td>credit</td>
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<td>duration</td>
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<tr>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506320704456">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes - Components of Provision for Income Tax Expense (Benefit) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Sep. 30, 2021</div></th>
<th class="th"><div>Jun. 30, 2021</div></th>
<th class="th"><div>Mar. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Sep. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Mar. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Current provision (benefit):</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentFederalTaxExpenseBenefit', window );">Federal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 259,536<span></span>
</td>
<td class="nump">$ 172,153<span></span>
</td>
<td class="nump">$ 150,800<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentStateAndLocalTaxExpenseBenefit', window );">State</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">64,843<span></span>
</td>
<td class="nump">28,387<span></span>
</td>
<td class="nump">24,378<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentIncomeTaxExpenseBenefit', window );">Total current provision (benefit)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">324,379<span></span>
</td>
<td class="nump">200,540<span></span>
</td>
<td class="nump">175,178<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Deferred provision (benefit):</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredFederalIncomeTaxExpenseBenefit', window );">Federal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">47,240<span></span>
</td>
<td class="nump">58,003<span></span>
</td>
<td class="num">(8,240)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit', window );">State</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,132<span></span>
</td>
<td class="nump">14,773<span></span>
</td>
<td class="num">(1,474)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Total deferred provision (benefit)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">55,372<span></span>
</td>
<td class="nump">72,776<span></span>
</td>
<td class="num">(9,714)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income tax expense</a></td>
<td class="nump">$ 103,660<span></span>
</td>
<td class="nump">$ 19,392<span></span>
</td>
<td class="nump">$ 53,174<span></span>
</td>
<td class="nump">$ 203,525<span></span>
</td>
<td class="nump">$ 127,310<span></span>
</td>
<td class="nump">$ 55,189<span></span>
</td>
<td class="num">$ (30,664)<span></span>
</td>
<td class="nump">$ 121,481<span></span>
</td>
<td class="nump">$ 379,751<span></span>
</td>
<td class="nump">$ 273,316<span></span>
</td>
<td class="nump">$ 165,464<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentFederalTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current federal tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentFederalTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) pertaining to taxable income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32639-109319<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.Fact.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current state and local tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred federal income tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32639-109319<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.Fact.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.Fact.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred state and local tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32639-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32672-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22663-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123586238&amp;loc=d3e38679-109324<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22658-107794<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
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<td class="nump">$ 300,538<span></span>
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<td class="nump">$ 356,296<span></span>
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<td class="nump">10,174<span></span>
</td>
<td class="nump">10,914<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsDeferredIncome', window );">Deferred revenue</a></td>
<td class="nump">1,318<span></span>
</td>
<td class="nump">1,441<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards', window );">Operating loss carryovers</a></td>
<td class="nump">394<span></span>
</td>
<td class="nump">83<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities', window );">Accrued expenses not currently deductible</a></td>
<td class="nump">14,307<span></span>
</td>
<td class="nump">13,139<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities', window );">Net unrealized losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">9,047<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits', window );">Unrecorded tax benefits</a></td>
<td class="nump">11,016<span></span>
</td>
<td class="nump">6,997<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DeferredTaxAssetsOtherIncludingValuationAllowance', window );">Other</a></td>
<td class="nump">1,097<span></span>
</td>
<td class="nump">1,003<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsNet', window );">Total deferred tax assets</a></td>
<td class="nump">338,844<span></span>
</td>
<td class="nump">398,920<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesAbstract', window );"><strong>Deferred tax liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DeferredTaxLiabilitiesGainsLossesOnRepurchasedDebt', window );">Fixed assets</a></td>
<td class="nump">10,131<span></span>
</td>
<td class="nump">11,098<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets', window );">Acquired intangible assets</a></td>
<td class="nump">8,710<span></span>
</td>
<td class="nump">7,767<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DeferredTaxLiabilitiesMarketValueAdjustments', window );">Market value adjustments on student loans, investments and derivatives</a></td>
<td class="nump">33<span></span>
</td>
<td class="nump">5,651<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities', window );">Net unrealized gains</a></td>
<td class="nump">6,459<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable', window );">Federal deferred for state receivable</a></td>
<td class="nump">1,921<span></span>
</td>
<td class="nump">7,456<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet', window );">Student loan premiums and discounts, net</a></td>
<td class="nump">12,396<span></span>
</td>
<td class="nump">11,336<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesOther', window );">Other</a></td>
<td class="nump">363<span></span>
</td>
<td class="nump">307<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxLiabilities', window );">Total deferred tax liabilities</a></td>
<td class="nump">40,013<span></span>
</td>
<td class="nump">43,615<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Net deferred tax assets</a></td>
<td class="nump">$ 298,831<span></span>
</td>
<td class="nump">$ 355,305<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DeferredTaxAssetsOtherIncludingValuationAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deferred tax assets other including valuation allowance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DeferredTaxAssetsOtherIncludingValuationAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Assets, Tax Deferred Expenses, Reserves and Accruals, Unrecorded Tax Benefits</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Liabilities, Federal Deferred for State Receivable</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DeferredTaxLiabilitiesGainsLossesOnRepurchasedDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deferred tax liabilities gains losses on repurchased debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DeferredTaxLiabilitiesGainsLossesOnRepurchasedDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DeferredTaxLiabilitiesMarketValueAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Liabilities, Market Value Adjustments</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DeferredTaxLiabilitiesMarketValueAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Liabilities, Student Loan Premiums and Discounts, Net</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26)(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32537-109319<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(15)(b)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(15)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsDeferredIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from deferred income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsDeferredIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsLiabilitiesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after allocation of valuation allowances and deferred tax liability, of deferred tax asset attributable to deductible differences and carryforwards, without jurisdictional netting.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsLiabilitiesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsNet</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsNetAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible operating loss carryforwards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsOperatingLossCarryforwards</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from share-based compensation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32621-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32632-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from accrued liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary difference from allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary difference from unrealized loss on investment in debt security measured at fair value with change in fair value recognized in net income (trading).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from intangible assets other than goodwill.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32621-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32632-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from unrealized gains on trading securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities</td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506319445528">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes - Summary of Changes in Unrecognized Tax Benefits (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward', window );"><strong>Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefits', window );">Unrecognized tax benefits at beginning of year</a></td>
<td class="nump">$ 63,134<span></span>
</td>
<td class="nump">$ 53,509<span></span>
</td>
<td class="nump">$ 52,159<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions', window );">Increases resulting from tax positions taken during a prior period</a></td>
<td class="nump">1,496<span></span>
</td>
<td class="nump">12,723<span></span>
</td>
<td class="nump">12,333<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions', window );">Decreases resulting from tax positions taken during a prior period</a></td>
<td class="num">(1,481)<span></span>
</td>
<td class="num">(817)<span></span>
</td>
<td class="num">(851)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions', window );">Increases resulting from tax positions taken during the current period</a></td>
<td class="nump">20,743<span></span>
</td>
<td class="nump">7,815<span></span>
</td>
<td class="nump">4,572<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities', window );">Decreases related to settlements with taxing authorities</a></td>
<td class="num">(3,682)<span></span>
</td>
<td class="num">(148)<span></span>
</td>
<td class="num">(8,670)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromSettlementsWithTaxingAuthorities', window );">Increases related to settlements with taxing authorities</a></td>
<td class="nump">96<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations', window );">Reductions related to the lapse of statute of limitations</a></td>
<td class="num">(4,978)<span></span>
</td>
<td class="num">(9,948)<span></span>
</td>
<td class="num">(6,034)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefits', window );">Unrecognized tax benefits at end of year</a></td>
<td class="nump">$ 75,328<span></span>
</td>
<td class="nump">$ 63,134<span></span>
</td>
<td class="nump">$ 53,509<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unrecognized tax benefits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10B<br> -URI http://asc.fasb.org/extlink&amp;oid=123427490&amp;loc=SL37586934-109318<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=SL6600010-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of decrease in unrecognized tax benefits resulting from tax positions taken in prior period tax returns.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=SL6600010-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of decrease in unrecognized tax benefits resulting from settlements with taxing authorities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=SL6600010-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in unrecognized tax benefits resulting from tax positions that have been or will be taken in current period tax return.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=SL6600010-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in unrecognized tax benefits resulting from tax positions taken in prior period tax returns.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=SL6600010-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromSettlementsWithTaxingAuthorities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in unrecognized tax benefits resulting from settlements with taxing authorities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=SL6600010-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromSettlementsWithTaxingAuthorities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of decrease in unrecognized tax benefits resulting from lapses of applicable statutes of limitations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=SL6600010-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506321611560">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Parent Only Statements - Balance Sheets (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Nov. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">$ 4,334,603<span></span>
</td>
<td class="nump">$ 4,455,292<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 5,563,877<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReceivable', window );">Income taxes receivable, net</a></td>
<td class="nump">239,578<span></span>
</td>
<td class="nump">374,706<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_TaxIndemnificationReceivable', window );">Tax indemnification receivable</a></td>
<td class="nump">8,047<span></span>
</td>
<td class="nump">18,492<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">26,351<span></span>
</td>
<td class="nump">19,533<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">29,221,899<span></span>
</td>
<td class="nump">30,770,423<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term borrowings</a></td>
<td class="nump">5,930,990<span></span>
</td>
<td class="nump">5,189,217<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">313,074<span></span>
</td>
<td class="nump">352,332<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">27,072,188<span></span>
</td>
<td class="nump">28,207,588<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>Preferred stock, par value $0.20 per share, 20 million shares authorized:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $0.20 per share, 1.125 billion shares authorized: 432.0 million and 456.7 million shares issued, respectively</a></td>
<td class="nump">86,403<span></span>
</td>
<td class="nump">91,346<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
<td class="nump">1,074,384<span></span>
</td>
<td class="nump">1,331,247<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive loss (net of tax benefit of $(5,707) and $(10,908), respectively)</a></td>
<td class="num">(17,897)<span></span>
</td>
<td class="num">(34,200)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">2,817,134<span></span>
</td>
<td class="nump">1,722,365<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,850,512<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock', window );">Total SLM Corporation stockholders&#8217; equity before treasury stock</a></td>
<td class="nump">4,211,094<span></span>
</td>
<td class="nump">3,361,828<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValue', window );">Less: Common stock held in treasury at cost: 153.1 million and 81.4 million shares, respectively</a></td>
<td class="num">(2,061,383)<span></span>
</td>
<td class="num">(798,993)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Total equity</a></td>
<td class="nump">2,149,711<span></span>
</td>
<td class="nump">2,562,835<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and equity</a></td>
<td class="nump">29,221,899<span></span>
</td>
<td class="nump">30,770,423<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>Preferred stock, par value $0.20 per share, 20 million shares authorized:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $0.20 per share, 1.125 billion shares authorized: 432.0 million and 456.7 million shares issued, respectively</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 68,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Parent Company</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">570,726<span></span>
</td>
<td class="nump">539,074<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 153,508<span></span>
</td>
<td class="nump">$ 191,776<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_InvestmentinSubsidiary', window );">Total investments in subsidiaries (primarily Sallie Mae Bank)</a></td>
<td class="nump">2,527,780<span></span>
</td>
<td class="nump">2,689,027<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReceivable', window );">Income taxes receivable, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,835<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_TaxIndemnificationReceivable', window );">Tax indemnification receivable</a></td>
<td class="nump">8,047<span></span>
</td>
<td class="nump">18,492<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_DuefromSubsidiaresNet', window );">Due from subsidiaries, net</a></td>
<td class="nump">105,667<span></span>
</td>
<td class="nump">47,357<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">3,361<span></span>
</td>
<td class="nump">2,457<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">3,215,581<span></span>
</td>
<td class="nump">3,298,242<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term borrowings</a></td>
<td class="nump">986,138<span></span>
</td>
<td class="nump">692,879<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TaxesPayableCurrentAndNoncurrent', window );">Income taxes payable, net</a></td>
<td class="nump">34,822<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DueToAffiliateCurrentAndNoncurrent', window );">Payable due to Navient</a></td>
<td class="nump">101<span></span>
</td>
<td class="nump">8,531<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">44,809<span></span>
</td>
<td class="nump">33,997<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">1,065,870<span></span>
</td>
<td class="nump">735,407<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>Preferred stock, par value $0.20 per share, 20 million shares authorized:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $0.20 per share, 1.125 billion shares authorized: 432.0 million and 456.7 million shares issued, respectively</a></td>
<td class="nump">86,403<span></span>
</td>
<td class="nump">91,346<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
<td class="nump">1,074,384<span></span>
</td>
<td class="nump">1,331,247<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive loss (net of tax benefit of $(5,707) and $(10,908), respectively)</a></td>
<td class="num">(17,897)<span></span>
</td>
<td class="num">(34,200)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">2,817,134<span></span>
</td>
<td class="nump">1,722,365<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock', window );">Total SLM Corporation stockholders&#8217; equity before treasury stock</a></td>
<td class="nump">4,211,094<span></span>
</td>
<td class="nump">3,361,828<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValue', window );">Less: Common stock held in treasury at cost: 153.1 million and 81.4 million shares, respectively</a></td>
<td class="num">(2,061,383)<span></span>
</td>
<td class="num">(798,993)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Total equity</a></td>
<td class="nump">2,149,711<span></span>
</td>
<td class="nump">2,562,835<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and equity</a></td>
<td class="nump">3,215,581<span></span>
</td>
<td class="nump">3,298,242<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Parent Company | Series B Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>Preferred stock, par value $0.20 per share, 20 million shares authorized:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred stock issued</a></td>
<td class="nump">$ 251,070<span></span>
</td>
<td class="nump">$ 251,070<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DuefromSubsidiaresNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Due from Subsidiares, Net</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DuefromSubsidiaresNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_InvestmentinSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Investment in Subsidiary</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_InvestmentinSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Stockholders' Equity Attributable to Parent, Excluding Treasury Stock</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
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<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_TaxIndemnificationReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tax Indemnification Receivable</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_TaxIndemnificationReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=d3e637-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669686-108580<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=124501264&amp;loc=SL117420844-207641<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=124501264&amp;loc=SL117420844-207641<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=d3e681-108580<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of excess of issue price over par or stated value of stock and from other transaction involving stock or stockholder. Includes, but is not limited to, additional paid-in capital (APIC) for common and preferred stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 65<br> -Paragraph 15<br> -Subparagraph (g)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121322162&amp;loc=SL121327923-165333<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdditionalPaidInCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -URI 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsAbstract</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3044-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124098289&amp;loc=d3e6676-107765<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockValue</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DueToAffiliateCurrentAndNoncurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of payable due to an entity that is affiliated with the reporting entity by means of direct or indirect ownership.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DueToAffiliateCurrentAndNoncurrent</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
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<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of income taxes previously overpaid to tax authorities (such as U.S. Federal, state and local tax authorities) representing refunds of overpayments or recoveries based on agreed-upon resolutions of disputes. Also called income tax refund receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReceivable</td>
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<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(32))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=123596393&amp;loc=d3e14064-108612<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAndStockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466204&amp;loc=SL6031897-161870<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69C<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495737-112612<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 55<br> -Paragraph 69B<br> -URI http://asc.fasb.org/extlink&amp;oid=123466577&amp;loc=SL123495735-112612<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123466505&amp;loc=SL123495340-112611<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 852<br> -SubTopic 10<br> -Section 55<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84165509&amp;loc=d3e56426-112766<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 65<br> -Paragraph 15<br> -Subparagraph (g)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121322162&amp;loc=SL121327923-165333<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=124501264&amp;loc=SL117420844-207641<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=124501264&amp;loc=SL117420844-207641<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetainedEarningsAccumulatedDeficit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of stockholders' equity (deficit), net of receivables from officers, directors, owners, and affiliates of the entity, attributable to both the parent and noncontrolling interests. Amount excludes temporary equity. Alternate caption for the concept is permanent equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=124436220&amp;loc=d3e21930-107793<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 45<br> -Paragraph 23<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124436220&amp;loc=d3e21914-107793<br><br>Reference 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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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<td>xbrli:monetaryItemType</td>
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<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying value as of the balance sheet date of obligations incurred and payable for statutory income, sales, use, payroll, excise, real, property and other taxes.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TaxesPayableCurrentAndNoncurrent</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockValue</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506328136376">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Parent Only Statements - Balance Sheets Parentheticals (Details) - USD ($)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Nov. 30, 2020</div></th>
<th class="th"><div>Oct. 31, 2020</div></th>
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<tr class="re">
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">20,000,000<span></span>
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<td class="nump">20,000,000<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="nump">$ 0.20<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
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<td class="nump">1,125,000,000<span></span>
</td>
<td class="nump">1,125,000,000<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="nump">432,000,000.0<span></span>
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<td class="nump">456,700,000<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
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<td class="nump">$ 5,707<span></span>
</td>
<td class="num">$ (10,908)<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">153,100,000<span></span>
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<td class="nump">81,400,000<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CondensedFinancialStatementsCaptionsLineItems', window );"><strong>Condensed Financial Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">$ 100<span></span>
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<td class="nump">$ 100<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 45<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,489,304<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Parent Company</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CondensedFinancialStatementsCaptionsLineItems', window );"><strong>Condensed Financial Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value/stated value (in dollars per share)</a></td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized (in shares)</a></td>
<td class="nump">20,000,000<span></span>
</td>
<td class="nump">20,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="nump">1,125,000,000<span></span>
</td>
<td class="nump">1,125,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="nump">432,000,000.0<span></span>
</td>
<td class="nump">456,700,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AociTaxAttributableToParent', window );">Accumulated other comprehensive income, tax</a></td>
<td class="nump">$ 5,707<span></span>
</td>
<td class="num">$ (10,908)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockShares', window );">Common stock held in treasury (In shares)</a></td>
<td class="nump">153,100,000<span></span>
</td>
<td class="nump">81,400,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Parent Company | Series B Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CondensedFinancialStatementsCaptionsLineItems', window );"><strong>Condensed Financial Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value/stated value (in dollars per share)</a></td>
<td class="nump">$ 100<span></span>
</td>
<td class="nump">$ 100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued (in shares)</a></td>
<td class="nump">2,500,000<span></span>
</td>
<td class="nump">2,500,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CondensedFinancialStatementsCaptionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CondensedFinancialStatementsCaptionsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AociTaxAttributableToParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of tax expense (benefit) allocated to accumulated other comprehensive income (loss) attributable to parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AociTaxAttributableToParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of common stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=SL123496158-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123467817&amp;loc=SL123496158-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29,30)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506321769864">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Only Statements - Statements of Income (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Sep. 30, 2021</div></th>
<th class="th"><div>Jun. 30, 2021</div></th>
<th class="th"><div>Mar. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Sep. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Mar. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CondensedIncomeStatementsCaptionsLineItems', window );"><strong>Condensed Income Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,776,844<span></span>
</td>
<td class="nump">$ 2,021,660<span></span>
</td>
<td class="nump">$ 2,331,032<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">382,078<span></span>
</td>
<td class="nump">541,667<span></span>
</td>
<td class="nump">707,717<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
<td class="nump">$ 367,350<span></span>
</td>
<td class="nump">$ 357,518<span></span>
</td>
<td class="nump">$ 338,784<span></span>
</td>
<td class="nump">$ 331,114<span></span>
</td>
<td class="nump">$ 366,537<span></span>
</td>
<td class="nump">$ 364,567<span></span>
</td>
<td class="nump">$ 348,775<span></span>
</td>
<td class="nump">$ 400,116<span></span>
</td>
<td class="nump">1,394,766<span></span>
</td>
<td class="nump">1,479,993<span></span>
</td>
<td class="nump">1,623,315<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income (loss)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">632,449<span></span>
</td>
<td class="nump">331,449<span></span>
</td>
<td class="nump">48,927<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expenses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">519,908<span></span>
</td>
<td class="nump">564,303<span></span>
</td>
<td class="nump">574,253<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense (benefit)</a></td>
<td class="nump">103,660<span></span>
</td>
<td class="nump">19,392<span></span>
</td>
<td class="nump">53,174<span></span>
</td>
<td class="nump">203,525<span></span>
</td>
<td class="nump">127,310<span></span>
</td>
<td class="nump">55,189<span></span>
</td>
<td class="num">(30,664)<span></span>
</td>
<td class="nump">121,481<span></span>
</td>
<td class="nump">379,751<span></span>
</td>
<td class="nump">273,316<span></span>
</td>
<td class="nump">165,464<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,160,513<span></span>
</td>
<td class="nump">880,690<span></span>
</td>
<td class="nump">578,276<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendsIncomeStatementImpact', window );">Preferred stock dividends</a></td>
<td class="nump">1,177<span></span>
</td>
<td class="nump">1,166<span></span>
</td>
<td class="nump">1,192<span></span>
</td>
<td class="nump">1,201<span></span>
</td>
<td class="nump">1,734<span></span>
</td>
<td class="nump">2,058<span></span>
</td>
<td class="nump">2,478<span></span>
</td>
<td class="nump">3,464<span></span>
</td>
<td class="nump">4,736<span></span>
</td>
<td class="nump">9,734<span></span>
</td>
<td class="nump">16,837<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income attributable to SLM Corporation common stock</a></td>
<td class="nump">$ 305,088<span></span>
</td>
<td class="nump">$ 71,674<span></span>
</td>
<td class="nump">$ 139,009<span></span>
</td>
<td class="nump">$ 640,006<span></span>
</td>
<td class="nump">$ 430,966<span></span>
</td>
<td class="nump">$ 168,970<span></span>
</td>
<td class="num">$ (87,689)<span></span>
</td>
<td class="nump">$ 358,709<span></span>
</td>
<td class="nump">1,155,777<span></span>
</td>
<td class="nump">870,956<span></span>
</td>
<td class="nump">561,439<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Parent Company</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CondensedIncomeStatementsCaptionsLineItems', window );"><strong>Condensed Income Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">392<span></span>
</td>
<td class="nump">452<span></span>
</td>
<td class="nump">2,663<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">35,208<span></span>
</td>
<td class="nump">14,896<span></span>
</td>
<td class="nump">11,060<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(34,816)<span></span>
</td>
<td class="num">(14,444)<span></span>
</td>
<td class="num">(8,397)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income (loss)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(13,078)<span></span>
</td>
<td class="nump">2,820<span></span>
</td>
<td class="num">(10,856)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expenses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">54,352<span></span>
</td>
<td class="nump">57,945<span></span>
</td>
<td class="nump">39,423<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes', window );">Loss before income tax benefit and equity in net income from subsidiaries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(102,246)<span></span>
</td>
<td class="num">(69,569)<span></span>
</td>
<td class="num">(58,676)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense (benefit)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,477<span></span>
</td>
<td class="num">(11,235)<span></span>
</td>
<td class="num">(25,260)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax', window );">Equity in net income from subsidiaries (primarily Sallie Mae Bank)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,271,236<span></span>
</td>
<td class="nump">939,024<span></span>
</td>
<td class="nump">611,692<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,160,513<span></span>
</td>
<td class="nump">880,690<span></span>
</td>
<td class="nump">578,276<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendsIncomeStatementImpact', window );">Preferred stock dividends</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,736<span></span>
</td>
<td class="nump">9,734<span></span>
</td>
<td class="nump">16,837<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income attributable to SLM Corporation common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,155,777<span></span>
</td>
<td class="nump">$ 870,956<span></span>
</td>
<td class="nump">$ 561,439<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Income (Loss) From Continuing Operations Before Income (loss) From Subsidiaries and Income Taxes</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CondensedIncomeStatementsCaptionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CondensedIncomeStatementsCaptionsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of income (loss) of subsidiary attributable to the parent entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeLossFromSubsidiariesNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32672-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22663-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123586238&amp;loc=d3e38679-109324<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22658-107794<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1-5)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=124435984&amp;loc=d3e28555-108399<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (210.5-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net amount of operating interest income (expense).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.10)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22595-107794<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1448-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22694-107794<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1377-109256<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124432515&amp;loc=d3e3550-109257<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8736-108599<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22694-107794<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=SL5780133-109256<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8933-108599<br><br>Reference 10: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8924-108599<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8906-108599<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22583-107794<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8933-108599<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
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<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total aggregate amount of all noninterest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendsIncomeStatementImpact">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of preferred stock dividends that is an adjustment to net income apportioned to common stockholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockDividendsIncomeStatementImpact</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>151
<FILENAME>R134.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<head>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506321788472">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Only Statements - Statements of Cash Flows (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Cash flows from operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">$ 1,160,513<span></span>
</td>
<td class="nump">$ 880,690<span></span>
</td>
<td class="nump">$ 578,276<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash (used in) provided by operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_InterestIncomeonTaxIndemnificationReceivable', window );">Reduction of tax indemnification receivable</a></td>
<td class="nump">10,445<span></span>
</td>
<td class="nump">9,066<span></span>
</td>
<td class="nump">11,649<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AmortizationofABCPUpfrontFee', window );">Amortization of unsecured debt upfront fees</a></td>
<td class="nump">2,415<span></span>
</td>
<td class="nump">2,976<span></span>
</td>
<td class="nump">1,117<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnDispositionOfAssets1', window );">Gain on sale of Upromise subsidiary, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(11,331)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Increase in other assets</a></td>
<td class="num">(123,268)<span></span>
</td>
<td class="num">(50,454)<span></span>
</td>
<td class="num">(3,091)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_IncreaseDecreaseinincometaxpayabletorelatedparty', window );">Increase (decrease) in income taxes payable, net</a></td>
<td class="nump">72,191<span></span>
</td>
<td class="num">(45,611)<span></span>
</td>
<td class="num">(30,191)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Increase (decrease) in other liabilities</a></td>
<td class="nump">2,801<span></span>
</td>
<td class="nump">80,785<span></span>
</td>
<td class="nump">5,386<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities', window );">Total adjustments</a></td>
<td class="num">(1,210,035)<span></span>
</td>
<td class="num">(1,063,359)<span></span>
</td>
<td class="num">(593,917)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Total net cash used in operating activities</a></td>
<td class="num">(49,522)<span></span>
</td>
<td class="num">(182,669)<span></span>
</td>
<td class="num">(15,641)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash flows from investing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSalesOfAssetsInvestingActivities', window );">Proceeds from the sale of Upromise subsidiary, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">16,922<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Total net cash provided by (used in) investing activities</a></td>
<td class="nump">2,604,673<span></span>
</td>
<td class="nump">947,330<span></span>
</td>
<td class="num">(2,306,714)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash flows from financing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt', window );">Unsecured debt issued</a></td>
<td class="nump">492,135<span></span>
</td>
<td class="nump">495,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfUnsecuredDebt', window );">Unsecured debt repaid</a></td>
<td class="num">(202,784)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock', window );">Repurchase of Series B Preferred Stock</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(68,055)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Common stock dividends paid</a></td>
<td class="num">(60,462)<span></span>
</td>
<td class="num">(46,351)<span></span>
</td>
<td class="num">(51,114)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Common stock repurchased</a></td>
<td class="num">(1,530,683)<span></span>
</td>
<td class="num">(558,167)<span></span>
</td>
<td class="num">(167,201)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash (used in) provided by financing activities</a></td>
<td class="num">(2,619,516)<span></span>
</td>
<td class="num">(1,875,712)<span></span>
</td>
<td class="nump">5,361,220<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at beginning of year</a></td>
<td class="nump">4,455,292<span></span>
</td>
<td class="nump">5,563,877<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at end of year</a></td>
<td class="nump">4,334,603<span></span>
</td>
<td class="nump">4,455,292<span></span>
</td>
<td class="nump">5,563,877<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Parent Company</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Cash flows from operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">1,160,513<span></span>
</td>
<td class="nump">880,690<span></span>
</td>
<td class="nump">578,276<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash (used in) provided by operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_Undistributedearningsofsubsidiaries', window );">Undistributed earnings of subsidiaries</a></td>
<td class="num">(1,271,236)<span></span>
</td>
<td class="num">(939,024)<span></span>
</td>
<td class="num">(611,692)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromDividendsReceived', window );">Dividends received from Sallie Mae Bank</a></td>
<td class="nump">1,444,500<span></span>
</td>
<td class="nump">579,400<span></span>
</td>
<td class="nump">254,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_InterestIncomeonTaxIndemnificationReceivable', window );">Reduction of tax indemnification receivable</a></td>
<td class="nump">10,445<span></span>
</td>
<td class="nump">9,066<span></span>
</td>
<td class="nump">11,649<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_AmortizationofABCPUpfrontFee', window );">Amortization of unsecured debt upfront fees</a></td>
<td class="nump">2,663<span></span>
</td>
<td class="nump">1,029<span></span>
</td>
<td class="nump">811<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainsLossesOnExtinguishmentOfDebt', window );">Loss on early extinguishment of unsecured debt</a></td>
<td class="nump">2,784<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnDispositionOfAssets1', window );">Gain on sale of Upromise subsidiary, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(11,331)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_Decreaseincreaseininvestmentsinsubsidiariesnet', window );">Decrease in investment in subsidiaries, net</a></td>
<td class="nump">34,935<span></span>
</td>
<td class="nump">53,698<span></span>
</td>
<td class="nump">2,611<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_IncreaseDecreaseinDuefromSubsidiariesNet', window );">(Increase) decrease in due from subsidiaries, net</a></td>
<td class="num">(58,310)<span></span>
</td>
<td class="num">(4,813)<span></span>
</td>
<td class="nump">6,254<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Increase in other assets</a></td>
<td class="num">(16,964)<span></span>
</td>
<td class="num">(10,504)<span></span>
</td>
<td class="num">(12,999)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_IncreaseDecreaseinincometaxpayabletorelatedparty', window );">Increase (decrease) in income taxes payable, net</a></td>
<td class="nump">36,657<span></span>
</td>
<td class="num">(13,292)<span></span>
</td>
<td class="num">(25,814)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDueToRelatedParties', window );">Decrease in payable due to entity that is a subsidiary of Navient</a></td>
<td class="num">(8,430)<span></span>
</td>
<td class="num">(533)<span></span>
</td>
<td class="num">(416)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Increase (decrease) in other liabilities</a></td>
<td class="nump">2,165<span></span>
</td>
<td class="nump">12,874<span></span>
</td>
<td class="num">(5,796)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities', window );">Total adjustments</a></td>
<td class="nump">179,209<span></span>
</td>
<td class="num">(323,430)<span></span>
</td>
<td class="num">(381,392)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Total net cash used in operating activities</a></td>
<td class="nump">1,339,722<span></span>
</td>
<td class="nump">557,260<span></span>
</td>
<td class="nump">196,884<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash flows from investing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSalesOfAssetsInvestingActivities', window );">Proceeds from the sale of Upromise subsidiary, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">16,922<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Total net cash provided by (used in) investing activities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">16,922<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash flows from financing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDebtIssuanceCosts', window );">Issuance costs for collateralized borrowings and unsecured debt offering</a></td>
<td class="num">(1,540)<span></span>
</td>
<td class="num">(1,309)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt', window );">Unsecured debt issued</a></td>
<td class="nump">492,135<span></span>
</td>
<td class="nump">495,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfUnsecuredDebt', window );">Unsecured debt repaid</a></td>
<td class="num">(202,784)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock', window );">Repurchase of Series B Preferred Stock</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(68,055)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Common stock dividends paid</a></td>
<td class="num">(60,462)<span></span>
</td>
<td class="num">(46,351)<span></span>
</td>
<td class="num">(51,114)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividends', window );">Preferred stock dividends paid</a></td>
<td class="num">(4,736)<span></span>
</td>
<td class="num">(9,734)<span></span>
</td>
<td class="num">(16,837)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Common stock repurchased</a></td>
<td class="num">(1,530,683)<span></span>
</td>
<td class="num">(558,167)<span></span>
</td>
<td class="num">(167,201)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash (used in) provided by financing activities</a></td>
<td class="num">(1,308,070)<span></span>
</td>
<td class="num">(188,616)<span></span>
</td>
<td class="num">(235,152)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net (decrease) increase in cash and cash equivalents</a></td>
<td class="nump">31,652<span></span>
</td>
<td class="nump">385,566<span></span>
</td>
<td class="num">(38,268)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at beginning of year</a></td>
<td class="nump">539,074<span></span>
</td>
<td class="nump">153,508<span></span>
</td>
<td class="nump">191,776<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at end of year</a></td>
<td class="nump">$ 570,726<span></span>
</td>
<td class="nump">$ 539,074<span></span>
</td>
<td class="nump">$ 153,508<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AmortizationofABCPUpfrontFee">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amortization of ABCP Upfront Fee</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AmortizationofABCPUpfrontFee</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_Decreaseincreaseininvestmentsinsubsidiariesnet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Decrease (increase) in investments in subsidiaries, net</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_Decreaseincreaseininvestmentsinsubsidiariesnet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_IncreaseDecreaseinDuefromSubsidiariesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) in Due from Subsidiaries, Net</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_IncreaseDecreaseinDuefromSubsidiariesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_IncreaseDecreaseinincometaxpayabletorelatedparty">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) in income tax payable to related party</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_IncreaseDecreaseinincometaxpayabletorelatedparty</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_InterestIncomeonTaxIndemnificationReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Interest Income on Tax Indemnification Receivable</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_InterestIncomeonTaxIndemnificationReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_Undistributedearningsofsubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Undistributed earnings of subsidiaries</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_Undistributedearningsofsubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The sum of adjustments which are added to or deducted from net income or loss, including the portion attributable to noncontrolling interest, to reflect cash provided by or used in operating activities, in accordance with the indirect cash flow method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3044-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124098289&amp;loc=d3e6676-107765<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnDispositionOfAssets1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale or disposal of assets, including but not limited to property plant and equipment, intangible assets and equity in securities of subsidiaries or equity method investee.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnDispositionOfAssets1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainsLossesOnExtinguishmentOfDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Difference between the fair value of payments made and the carrying amount of debt which is extinguished prior to maturity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 50<br> -Section 40<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=123467658&amp;loc=d3e12355-112629<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 50<br> -Section 40<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=123467658&amp;loc=d3e12317-112629<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainsLossesOnExtinguishmentOfDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDueToRelatedParties">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in the aggregate amount of obligations to be paid to the following types of related parties: a parent company and its subsidiaries; subsidiaries of a common parent; an entity and trust for the benefit of employees, such as pension and profit-sharing trusts that are managed by or under the trusteeship of the entities' management; an entity and its principal owners, management, or member of their immediate families; affiliates; or other parties with the ability to exert significant influence.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInDueToRelatedParties</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOtherOperatingLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3536-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3521-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to reacquire common stock during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForRepurchaseOfCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDebtIssuanceCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow paid to third parties in connection with debt origination, which will be amortized over the remaining maturity period of the associated long-term debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDebtIssuanceCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cash outflow in the form of capital distributions and dividends to common shareholders, preferred shareholders and noncontrolling interests.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow in the form of ordinary dividends to common shareholders of the parent entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDividendsCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromDividendsReceived">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Dividends received on equity and other investments during the current period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3337-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromDividendsReceived</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Proceeds from issuance of capital stock which provides for a specific dividend that is paid to the shareholders before any dividends to common stockholders and which takes precedence over common stockholders in the event of liquidation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3255-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfUnsecuredDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the issuance of long-term debt that is not secured by collateral. Excludes proceeds from tax exempt unsecured debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3255-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromIssuanceOfUnsecuredDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSalesOfAssetsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate cash proceeds received from a combination of transactions that are classified as investing activities in which assets, which may include one or more investments, are sold to third-party buyers. This element can be used by entities to aggregate proceeds from all asset sales that are classified as investing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSalesOfAssetsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124509347&amp;loc=SL7669619-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)(1)<br> -URI 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FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22658-107794<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RepaymentsOfUnsecuredDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to repay long-term debt that is not secured by collateral. Excludes repayments of tax exempt unsecured debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123570139&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RepaymentsOfUnsecuredDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>152
<FILENAME>R135.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<head>
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<span style="display: none;">v3.22.0.1</span><table class="report" border="0" cellspacing="2" id="idm140506321780408">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Selected Quarterly Financial Information (unaudited) (Details) - USD ($)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Sep. 30, 2021</div></th>
<th class="th"><div>Jun. 30, 2021</div></th>
<th class="th"><div>Mar. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Sep. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Mar. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract', window );"><strong>Quarterly Financial Information Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
<td class="nump">$ 367,350<span></span>
</td>
<td class="nump">$ 357,518<span></span>
</td>
<td class="nump">$ 338,784<span></span>
</td>
<td class="nump">$ 331,114<span></span>
</td>
<td class="nump">$ 366,537<span></span>
</td>
<td class="nump">$ 364,567<span></span>
</td>
<td class="nump">$ 348,775<span></span>
</td>
<td class="nump">$ 400,116<span></span>
</td>
<td class="nump">$ 1,394,766<span></span>
</td>
<td class="nump">$ 1,479,993<span></span>
</td>
<td class="nump">$ 1,623,315<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal', window );">Less: provisions for credit losses</a></td>
<td class="num">(15,309)<span></span>
</td>
<td class="nump">138,442<span></span>
</td>
<td class="nump">69,677<span></span>
</td>
<td class="num">(225,767)<span></span>
</td>
<td class="num">(316,372)<span></span>
</td>
<td class="num">(3,640)<span></span>
</td>
<td class="nump">351,887<span></span>
</td>
<td class="nump">61,258<span></span>
</td>
<td class="num">(32,957)<span></span>
</td>
<td class="nump">93,133<span></span>
</td>
<td class="nump">354,249<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net interest income after provisions for credit losses</a></td>
<td class="nump">382,659<span></span>
</td>
<td class="nump">219,076<span></span>
</td>
<td class="nump">269,107<span></span>
</td>
<td class="nump">556,881<span></span>
</td>
<td class="nump">682,909<span></span>
</td>
<td class="nump">368,207<span></span>
</td>
<td class="num">(3,112)<span></span>
</td>
<td class="nump">338,858<span></span>
</td>
<td class="nump">1,427,723<span></span>
</td>
<td class="nump">1,386,860<span></span>
</td>
<td class="nump">1,269,066<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfNotesReceivable', window );">Gains on sales of loans, net</a></td>
<td class="nump">145,535<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td class="nump">3,679<span></span>
</td>
<td class="nump">399,111<span></span>
</td>
<td class="num">(247)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="num">(369)<span></span>
</td>
<td class="nump">238,935<span></span>
</td>
<td class="nump">548,315<span></span>
</td>
<td class="nump">238,315<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnDerivativeInstrumentsNetPretax', window );">Gains (losses) on derivative and hedging activities, net</a></td>
<td class="num">(17)<span></span>
</td>
<td class="nump">44<span></span>
</td>
<td class="nump">89<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="nump">136<span></span>
</td>
<td class="num">(15)<span></span>
</td>
<td class="nump">3,751<span></span>
</td>
<td class="nump">45,672<span></span>
</td>
<td class="nump">144<span></span>
</td>
<td class="nump">49,544<span></span>
</td>
<td class="nump">17,825<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other income</a></td>
<td class="nump">7,243<span></span>
</td>
<td class="nump">13,879<span></span>
</td>
<td class="nump">48,580<span></span>
</td>
<td class="nump">14,288<span></span>
</td>
<td class="nump">1,043<span></span>
</td>
<td class="nump">9,646<span></span>
</td>
<td class="nump">25,412<span></span>
</td>
<td class="nump">7,487<span></span>
</td>
<td class="nump">83,990<span></span>
</td>
<td class="nump">43,590<span></span>
</td>
<td class="nump">31,102<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingExpenses', window );">Total operating expenses</a></td>
<td class="nump">125,495<span></span>
</td>
<td class="nump">140,649<span></span>
</td>
<td class="nump">128,010<span></span>
</td>
<td class="nump">124,499<span></span>
</td>
<td class="nump">121,743<span></span>
</td>
<td class="nump">127,490<span></span>
</td>
<td class="nump">141,557<span></span>
</td>
<td class="nump">147,298<span></span>
</td>
<td class="nump">518,653<span></span>
</td>
<td class="nump">538,088<span></span>
</td>
<td class="nump">574,253<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestructuringCharges', window );">Restructuring expenses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">108<span></span>
</td>
<td class="nump">70<span></span>
</td>
<td class="nump">1,077<span></span>
</td>
<td class="nump">2,088<span></span>
</td>
<td class="nump">24,127<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,255<span></span>
</td>
<td class="nump">26,215<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense (benefit)</a></td>
<td class="nump">103,660<span></span>
</td>
<td class="nump">19,392<span></span>
</td>
<td class="nump">53,174<span></span>
</td>
<td class="nump">203,525<span></span>
</td>
<td class="nump">127,310<span></span>
</td>
<td class="nump">55,189<span></span>
</td>
<td class="num">(30,664)<span></span>
</td>
<td class="nump">121,481<span></span>
</td>
<td class="nump">379,751<span></span>
</td>
<td class="nump">273,316<span></span>
</td>
<td class="nump">165,464<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">306,265<span></span>
</td>
<td class="nump">72,840<span></span>
</td>
<td class="nump">140,201<span></span>
</td>
<td class="nump">641,207<span></span>
</td>
<td class="nump">432,700<span></span>
</td>
<td class="nump">171,028<span></span>
</td>
<td class="num">(85,211)<span></span>
</td>
<td class="nump">362,173<span></span>
</td>
<td class="nump">1,160,513<span></span>
</td>
<td class="nump">880,690<span></span>
</td>
<td class="nump">578,276<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendsIncomeStatementImpact', window );">Preferred stock dividends</a></td>
<td class="nump">1,177<span></span>
</td>
<td class="nump">1,166<span></span>
</td>
<td class="nump">1,192<span></span>
</td>
<td class="nump">1,201<span></span>
</td>
<td class="nump">1,734<span></span>
</td>
<td class="nump">2,058<span></span>
</td>
<td class="nump">2,478<span></span>
</td>
<td class="nump">3,464<span></span>
</td>
<td class="nump">4,736<span></span>
</td>
<td class="nump">9,734<span></span>
</td>
<td class="nump">16,837<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted', window );">Net income (loss) attributable to SLM Corporation common stock</a></td>
<td class="nump">305,088<span></span>
</td>
<td class="nump">71,674<span></span>
</td>
<td class="nump">139,009<span></span>
</td>
<td class="nump">640,006<span></span>
</td>
<td class="nump">430,966<span></span>
</td>
<td class="nump">168,970<span></span>
</td>
<td class="num">(87,689)<span></span>
</td>
<td class="nump">358,709<span></span>
</td>
<td class="nump">1,155,777<span></span>
</td>
<td class="nump">870,956<span></span>
</td>
<td class="nump">561,439<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income attributable to SLM Corporation common stock</a></td>
<td class="nump">$ 305,088<span></span>
</td>
<td class="nump">$ 71,674<span></span>
</td>
<td class="nump">$ 139,009<span></span>
</td>
<td class="nump">$ 640,006<span></span>
</td>
<td class="nump">$ 430,966<span></span>
</td>
<td class="nump">$ 168,970<span></span>
</td>
<td class="num">$ (87,689)<span></span>
</td>
<td class="nump">$ 358,709<span></span>
</td>
<td class="nump">$ 1,155,777<span></span>
</td>
<td class="nump">$ 870,956<span></span>
</td>
<td class="nump">$ 561,439<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic earnings per common share (in usd per share)</a></td>
<td class="nump">$ 1.06<span></span>
</td>
<td class="nump">$ 0.24<span></span>
</td>
<td class="nump">$ 0.45<span></span>
</td>
<td class="nump">$ 1.77<span></span>
</td>
<td class="nump">$ 1.15<span></span>
</td>
<td class="nump">$ 0.45<span></span>
</td>
<td class="num">$ (0.23)<span></span>
</td>
<td class="nump">$ 0.88<span></span>
</td>
<td class="nump">$ 3.67<span></span>
</td>
<td class="nump">$ 2.27<span></span>
</td>
<td class="nump">$ 1.31<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted earnings per common share (in usd per share)</a></td>
<td class="nump">1.04<span></span>
</td>
<td class="nump">0.24<span></span>
</td>
<td class="nump">0.44<span></span>
</td>
<td class="nump">1.75<span></span>
</td>
<td class="nump">1.13<span></span>
</td>
<td class="nump">0.45<span></span>
</td>
<td class="num">(0.23)<span></span>
</td>
<td class="nump">0.87<span></span>
</td>
<td class="nump">3.61<span></span>
</td>
<td class="nump">2.25<span></span>
</td>
<td class="nump">1.30<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Declared dividends per common share (in usd per share)</a></td>
<td class="nump">$ 0.11<span></span>
</td>
<td class="nump">$ 0.03<span></span>
</td>
<td class="nump">$ 0.03<span></span>
</td>
<td class="nump">$ 0.03<span></span>
</td>
<td class="nump">$ 0.03<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0.06<span></span>
</td>
<td class="nump">$ 0.03<span></span>
</td>
<td class="nump">$ 0.20<span></span>
</td>
<td class="nump">$ 0.12<span></span>
</td>
<td class="nump">$ 0.12<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable And Off-Balance Sheet, Credit Loss, Expense (Reversal)</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareDeclared">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate dividends declared during the period for each share of common stock outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockDividendsPerShareDeclared</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
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10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=123367319&amp;loc=SL114868664-224227<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1252-109256<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=SL5780133-109256<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnDerivativeInstrumentsNetPretax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate net gain (loss) on all derivative instruments recognized in earnings during the period, before tax effects.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=125515794&amp;loc=SL5618551-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnDerivativeInstrumentsNetPretax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfNotesReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=121570589&amp;loc=d3e107425-111719<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSaleOfNotesReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=122134291&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=121826272&amp;loc=d3e32672-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22663-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=123586238&amp;loc=d3e38679-109324<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22658-107794<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net amount of operating interest income (expense).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.10)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22595-107794<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1448-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22694-107794<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=d3e1377-109256<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=124432515&amp;loc=d3e3550-109257<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8736-108599<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22694-107794<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=125511455&amp;loc=SL5780133-109256<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8933-108599<br><br>Reference 10: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8924-108599<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8906-108599<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=124431687&amp;loc=d3e22583-107794<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=123359005&amp;loc=d3e8933-108599<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities, and addition from assumption of issuance of common shares for dilutive potential common shares; of income (loss) available to common shareholders.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of revenue earned, classified as other, excluding interest income.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Generally recurring costs associated with normal operations except for the portion of these expenses which can be clearly related to production and included in cost of sales or services. Includes selling, general and administrative expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of preferred stock dividends that is an adjustment to net income apportioned to common stockholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expenses associated with exit or disposal activities pursuant to an authorized plan. Excludes expenses related to a discontinued operation or an asset retirement obligation.</p></div>
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85NC9mcmFnOjdiYmY5YjhhMDk3MjQ3OGU5Mjc5OTk5YWE0YzkyMTFjL3RleHRyZWdpb246N2JiZjliOGEwOTcyNDc4ZTkyNzk5OTlhYTRjOTIxMWNfMjQ2MQ_64779af1-83b3-4289-988a-de64a01f9cf2">Organization and Business &lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;SLM Corporation (&#x201c;Sallie Mae,&#x201d; &#x201c;SLM,&#x201d; the &#x201c;Company,&#x201d; &#x201c;we,&#x201d; &#x201c;our,&#x201d; or &#x201c;us&#x201d;) is a holding company that operates through a number of subsidiaries and is the premier brand for college and continuous education. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;While the Sallie Mae name has existed for more than 40 years, the company that operates as Sallie Mae today, SLM Corporation, was formed in late 2013 and includes its wholly-owned subsidiary, Sallie Mae Bank, an industrial bank established in 2005 (the &#x201c;Bank&#x201d;). On April 30, 2014, we legally separated (the &#x201c;Spin-Off&#x201d;) from another public company that is now named Navient Corporation (&#x201c;Navient&#x201d;), which is in the education loan management, servicing, asset recovery, and consolidation loan business. We are a consumer banking business and did not retain any assets or liabilities generated prior to the Spin-Off other than those explicitly retained by us. We sometimes refer to the company that existed prior to the Spin-Off as &#x201c;pre-Spin-Off SLM.&#x201d; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Bank was formed in 2005 to fund and originate Private Education Loans (as hereinafter defined) on behalf of pre-Spin-Off SLM. While the Bank first originated Private Education Loans in February 2006, pre-Spin-Off SLM continued to purchase a portion of its Private Education Loans from third-party lending partners through mid-2009. With some minor exceptions, the Bank became the sole originator of Private Education Loans for pre-Spin-Off SLM beginning with the 2009-2010 academic year, the first academic year following the launch of the Bank&#x2019;s Smart Option Student Loan program in mid-2009. &lt;/span&gt;&lt;/div&gt;Our primary business is to originate and service loans we make to students and their families to finance the cost of their education. We use &#x201c;Private Education Loans&#x201d; to mean education loans to students or their families that are not made, insured, or guaranteed by any state or federal government. Private Education Loans do not include loans insured or guaranteed under the Federal Family Education Loan Program (&#x201c;FFELP Loans&#x201d;). The core of our marketing strategy is to generate Private Education Loan originations by promoting our products on campuses through the financial aid offices as well as through online and direct marketing to students and their families. The Bank is regulated by the Utah Department of Financial Institutions (the &#x201c;UDFI&#x201d;), the Federal Deposit Insurance Corporation (the &#x201c;FDIC&#x201d;), and the Consumer Financial Protection Bureau (the &#x201c;CFPB&#x201d;).</us-gaap:OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock>
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The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Key accounting policies that include significant judgments and estimates include the valuation of allowance for credit losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Consolidation&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The consolidated financial statements include the accounts of SLM Corporation and its majority-owned and controlled subsidiaries after eliminating the effects of intercompany accounts and transactions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We consolidate any variable interest entity (&#x201c;VIE&#x201d;) where we have determined we are the primary beneficiary.  The primary beneficiary is the entity which has both: (i) the power to direct the activities of the VIE that most significantly impact the VIE&#x2019;s economic performance; and (ii) the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Cash and Cash Equivalents &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Cash and cash equivalents include cash held in the Federal Reserve Bank of San Francisco (the &#x201c;FRB&#x201d;) and commercial bank accounts, and other short-term liquid instruments with original maturities of three months or less. Fees associated with investing cash and cash equivalents are amortized into interest income using the effective interest rate method. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Trading Investments &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We periodically sell Private Education Loans through securitization transactions where we are required to retain a five percent vertical risk retention interest (i.e., five percent of each class issued in the securitizations). We classified those vertical risk retention interests related to the transactions as available-for-sale investments, except for the interest in the residual classes, which we classified as trading investments recorded at fair value with changes recorded through earnings. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Available-for-Sale Investments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Investments consisted of mortgage-backed securities, Utah Housing Corporation bonds, and U.S. government-sponsored enterprises and Treasury securities. We record our investment purchases and sales on a trade date basis. The amortized cost of debt securities is adjusted for amortization of premiums and accretion of discounts, which are amortized using the effective interest rate method. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our investments are classified as available-for-sale and reported at fair value. Unrealized gains or losses on available-for-sale investments are recorded in equity and reported as a component of other comprehensive income (loss), net of applicable income taxes.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We assess unrealized losses on available-for-sale debt securities that we have the ability and intent to hold for a period of time sufficient to recover the amortized cost of the security, for the purpose of determining credit impairment. If any credit impairment exists, an allowance for losses is established for the amount of the unrealized loss that is determined to be credit-related. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Other Investments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We hold investments in non-marketable securities and account for these investments at cost, less impairment, plus or minus observable price changes of identical or similar securities of the same issuer.&#160; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We also invest in affordable housing projects that qualify for the low income housing tax credit (&#x201c;LIHTC&#x201d;), which is designed to promote private development of low income housing. These investments generate a return mostly through realization of federal tax credits. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Loans Held for Investment&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loans, consisting of Private Education Loans, FFELP Loans, and our suite of credit cards (&#x201c;Credit Cards&#x201d;) that we have the ability and intent to hold for the foreseeable future, are classified as held for investment, and are carried at amortized cost. Amortized cost includes the unamortized premiums, discounts, and capitalized origination costs and fees, all of which are amortized to interest income as discussed under &#x201c;Loan Interest Income.&#x201d; Loans which are held for investment are reported net of an allowance for credit losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Loans Held for Sale&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Any loans we have not classified as held for investment are classified as held-for-sale and are carried at the lower of cost or fair value. Loans are classified as held-for-sale when we have the intent and ability to sell such loans. Loans which are held-for-sale do not have the associated premium, discount, and capitalized origination costs and fees amortized into interest income. When a decision has been made to sell loans not previously classified as held for sale, such loans are transferred into the held-for-sale classification and carried at the lower of amortized cost basis (which excludes any allowance for credit losses) or fair value.  At the time of the transfer to the held-for-sale classification, any amount by which the amortized cost basis exceeds fair value is accounted for as a valuation allowance.  In addition, once a loan is classified as held-for-sale, we reverse any allowance for loan loss applicable to these loans.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As market conditions permit, we may sell or securitize loans as a source of financing for other loans. Due to varying structuring terms, certain transactions may qualify for sale treatment while others do not qualify for sale treatment and are recorded as financings. All of our education loans are initially categorized as held for investment. It is only when we have selected the loans to sell or securitize and the transaction qualifies as a sale that we transfer the loans into the held-for-sale classification and carry them at the lower of cost or fair value. If we anticipate recognizing a gain related to the impending securitization or sale, then the fair value of the loans is higher than their respective cost basis and no valuation allowance is recorded.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Restricted Cash&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Restricted cash primarily includes amounts held in student loan securitization trusts and other secured borrowings. This cash must be used to make payments related to trust obligations. Amounts on deposit in these accounts are primarily the result of timing differences between when principal and interest is collected on the trust assets and when principal and interest is paid on trust liabilities. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Allowance for Credit Losses &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Adoption of CECL&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On January 1, 2020, we adopted the Financial Accounting Standards Board&#x2019;s (&#x201c;FASB&#x2019;s&#x201d;) Accounting Standard Update (&#x201c;ASU&#x201d;) No. 2016-13, &#x201c;Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&#x201d; (&#x201c;CECL&#x201d;). Under this guidance, for all loans carried at amortized cost, upon loan origination we are required to measure our allowance for credit losses based on our estimate of all current expected credit losses over the remaining contractual term of the assets. Updates to that estimate each period are recorded through provision expense. The estimate of loan losses must be based on historical experience, current conditions, and reasonable and supportable forecasts. The ASU does not mandate the use of any specific method for estimating credit loss, permitting companies to use judgment in selecting the approach that is most appropriate in their circumstances. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Adoption of the standard had a material impact on how we record and report our financial condition and results of operations, and on regulatory capital. The following table illustrates the impact of the cumulative effect adjustment made upon adoption of CECL on January 1, 2020:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:63.611%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:34.489%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.638%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.458%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.891%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.768%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.891%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:19.865%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;January 1, 2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As reported under CECL&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Pre-CECL Adoption&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Impact of CECL Adoption&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,435,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;374,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,060,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;FFELP Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Personal Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;145,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;65,877&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;79,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,584,965&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;441,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,143,053&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deferred tax asset&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;415,540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;109,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;306,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Off-balance sheet exposures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;118,239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;115,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Equity:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Retained Earnings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;897,873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,850,512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(952,639)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;This transition adjustment shown above is inclusive of qualitative adjustments incorporated into our CECL allowance as necessary, to address any limitations in the models used. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt;Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopt&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:115%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt;CECL during the 2020 calendar year, including the Bank, may elect to delay for two years, and then phase in over the following three years, the effects on regulatory capital of CECL relative to the incurred loss methodology. The Bank has elected to use this option. Therefore, the regulatory capital impact of the Bank&#x2019;s transition adjustments recorded on January 1, 2020 from the adoption of CECL, and 25 percent of the ongoing impact of CECL on the Bank&#x2019;s allowance for credit losses, retained earnings, and average total consolidated assets, each as reported for regulatory capital purposes (collectively, the &#x201c;adjusted transition amounts&#x201d;), were deferred for the two-year period ending January 1, 2022. From January 1, 2022 to January 1, 2025, the adjusted transition amounts will be phased in for regulatory capital purposes at a rate of 25 percent per year, with the phased-in amounts included in regulatory capital at the beginning of each year. For additional information, see Note 18, &#x201c;Regulatory Capital.&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Allowance for Credit Losses - 2021 and 2020&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We maintain an allowance for credit losses for the lifetime expected credit losses on loans in our portfolios, as well as for future loan commitments, at the reporting date. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In determining the lifetime expected credit losses on our Private Education Loan portfolio loan segments, we use a discounted cash flow model. This method requires us to project future principal and interest cash flows on our loans in those portfolios. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;To estimate the future expected cash flows, we use a vintage-based model that considers life of loan loss expectations, prepayments (both voluntary and involuntary), defaults, recoveries, and any other adjustments deemed necessary, to determine the adequacy of the allowance at each balance sheet date. These cash flows are discounted at the loan&#x2019;s effective interest rate to calculate the present value of those cash flows. Management adjusts the effective interest rate used to discount expected cash flows to incorporate expected prepayments. The difference between the present value of those cash flows and the amortized cost basis of the underlying loans is the allowance for credit losses. Entities that measure credit losses based on the present value of expected future cash flows are permitted to report the entire change in present value as credit loss expense, but may alternatively report the change in present value due to the passage of time as interest income. We have elected to report the entire change in present value as credit loss expense.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In determining the loss rates used for the vintage-based approach, we start with our historical loss rates, stratify the loans within each vintage, and then adjust the loss rates based upon economic factors forecasted over a reasonable and supportable forecast period. The reasonable and supportable forecast period is meant to represent the period in which we &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;believe we can estimate the impact of forecasted economic factors in our expected losses. At the end of the reasonable and supportable forecast period, we immediately revert our forecast of expected losses to our historical averages. We use a two-year reasonable and supportable forecast period, although this period is subject to change as our view evolves on our ability to reasonably forecast economic conditions to estimate future losses.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In estimating our current expected credit losses, we use a combination of expected economic scenarios coupled with our historical experience to derive a base case adjusted for any qualitative factors (as described below). We also develop an adverse and favorable economic scenario. At each reporting date, we determine the appropriate weighting of these alternate scenarios based upon the current economic conditions and our view of the risks of alternate outcomes. This weighting of expectations is used in calculating our current expected credit losses recorded each period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In estimating recoveries, we use both estimates of what we would receive from the sale of defaulted loans as well as historical borrower payment behavior to estimate the timing and amount of future recoveries on charged-off loans.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We use historical experience and economic forecasts to estimate future prepayment speeds. As with our loss forecasts, at the end of the two-year reasonable and supportable forecast for prepayments, we immediately revert to our historical long-term prepayment rates. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In addition to the above modeling approach, we also take certain other qualitative factors into consideration when calculating the allowance for credit losses. These qualitative factors include, but are not limited to, changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not already included in the analysis, and the effect of other external factors such as legal and regulatory requirements on the level of estimated current expected credit losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The evaluation of the allowance for credit losses is inherently subjective, as it requires material estimates that may be susceptible to significant changes. If actual future performance in delinquency, charge-offs, and recoveries is significantly different than estimated, or management assumptions or practices were to change, this could materially affect the estimate of the allowance for credit losses, the timing of when losses are recognized, and the related provision for credit losses on our consolidated statements of income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When calculating our allowance for credit losses and liability for unfunded commitments, we incorporate several inputs that are subject to change period to period. These include, but are not limited to, CECL model inputs and any overlays deemed necessary by management. The most impactful CECL model inputs include: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt"&gt;Economic forecasts;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt"&gt;Weighting of economic forecasts;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt"&gt;Prepayment speeds; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt"&gt;Recovery rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Management overlays can encompass a broad array of factors not captured by model inputs, including but not limited to, changes in servicing policies, collection administrative practices, state law changes that could impact servicing and collection practices, and observed differences between forecasted and actual results. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Below we describe in further detail our policies and procedures for the allowance for credit losses as they relate to our Private Education Loan, Credit Card, and FFELP Loan portfolios. During the third quarter of 2020, we sold our entire Personal Loan portfolio. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Allowance for Private Education Loan Losses - 2021 and 2020&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In addition to the key assumptions/estimates described above, some estimates are unique to our Private Education Loan portfolio. Estimates are made on our Private Education Loans regarding when each borrower will separate from school. The cash flow timing of when a borrower will begin making full principal and interest payments is dependent upon when the student either graduates or leaves school. These dates can change based upon many factors. We receive information regarding projected graduation dates from a third-party clearinghouse. The separation from school date is updated quarterly based on updated information received from the clearinghouse.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Additionally, when we have a contractual obligation to fund a loan or a portion of a loan at a later date, we make an estimate regarding the percentage of this obligation that will be funded. This estimate is based on historical experience. For unfunded commitments, we recognize the related life of loan allowance as a liability. Once the loan is funded, that liability transfers to the allowance for Private Education Loan losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Key Credit Quality Indicators - Private Education Loans - 2021 and 2020&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We determine the collectability of our Private Education Loan portfolio by evaluating certain risk characteristics. We consider credit score at original approval and periodically refreshed/updated credit scores through the loan&#x2019;s term, existence of a cosigner, loan status, and loan seasoning as the key credit quality indicators because they have the most significant effect on the determination of the adequacy of our allowance for credit losses. Credit scores are an indicator of the creditworthiness of borrowers and the higher the credit scores the more likely it is the borrowers will be able to make all of their contractual payments. Loan status affects the credit risk because a past due loan is more likely to result in a credit loss than a current loan. Additionally, loans in the deferred payment status have different credit risk profiles compared with those in current pay status. Loan seasoning affects credit risk because a loan with a history of making payments generally has a lower incidence of default than a loan with a history of making infrequent or no payments. The existence of a cosigner lowers the likelihood of default as well. We monitor and update these credit quality indicators in the analysis of the adequacy of our allowance for credit losses on a quarterly basis.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We collect on defaulted loans through a mix of in-house collectors, third-party collectors, and sales to third-parties. For December 31, 2021 and 2020, we used both an estimate of recovery rates from in-house collections as well as expectations of future sales of defaulted loans to estimate the timing and amount of future recoveries on charged-off loans.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Private Education Loans generally do not require borrowers to begin principal and interest repayment until at least six months after the borrowers have graduated or otherwise separated from school. Consequently, the loss estimates for these loans are generally low while the borrower is in school and then increase upon the end of the grace period after separation from school. At both December 31, 2021 and 2020, 24 percent of the principal balance of the Private Education Loan portfolio was related to borrowers who were then in an in-school (fully deferred), grace, or other deferment status and not required to make payments. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our collection policies for Private Education Loans allow for periods of nonpayment for certain borrowers requesting an extended grace period upon leaving school or experiencing temporary difficulty meeting payment obligations. This is referred to as forbearance and is considered in estimating the allowance for credit losses. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As part of concluding on the adequacy of the allowance for credit losses for Private Education Loans, we review key allowance and loan metrics. The most relevant of these metrics considered are the allowance as a percentage of ending total loans, delinquency percentages, and forbearance percentages.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We consider a Private Education Loan to be delinquent if the borrower has not made a required payment prior to the 31st day after such payment was contractually due. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Troubled Debt Restructurings (&#x201c;TDRs&#x201d;) - 2021 and 2020&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In estimating the expected defaults for our Private Education Loans that are considered TDRs, we follow the same discounted cash flow process described above but use the historical loss rates related to past TDR loans. The appropriate gross loss rates are determined for each individual loan by evaluating loan maturity, risk characteristics, and macroeconomic conditions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The allowance for our TDR portfolio is included in our overall allowance for Private Education Loans. Our TDR portfolio is comprised mostly of loans with interest rate reductions and loans with forbearance usage greater than three months, as further described below.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations, achieve better student outcomes, and increase the collectability of the loans. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. When we give a borrower facing financial difficulty an interest rate reduction, we temporarily reduce the rate (currently to 4.0 percent) for a two-year period and, in the vast majority of cases, permanently extend the final maturity of the loan. The combination of these two loan term changes helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We classify a loan as a TDR due to forbearance using a two-step process. The first step is to identify a loan that was in full principal and interest repayment status and received more than three months of forbearance in a 24-month period; however, during the first nine months after a loan had entered full principal and interest repayment status, we do not count up to the first six months of forbearance received during that period against the three-month policy limit. The second step is to evaluate the creditworthiness of the loan by examining its most recent refreshed FICO score. Loans that have met the criteria in the first test and have a FICO score above a certain threshold (based on the most recent quarterly FICO &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;score refresh) will not be classified as TDRs. Loans that have met the criteria in the first test and have a FICO score under the threshold (based on the most recent quarterly FICO score refresh) will be classified as TDRs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;A loan also becomes a TDR when it is modified to reduce the interest rate on the loan (regardless of when such modification occurs and/or whether such interest rate reduction is temporary). Once a loan qualifies for TDR status, it remains a TDR for allowance purposes for the remainder of its life. About half our loans that are considered TDRs involve a temporary forbearance of payments and do not change the contractual interest rate of the loan. As of both December 31, 2021 and 2020, approximately 47 percent of TDRs were classified as such due to their forbearance status. For additional information, see Note 7, &#x201c;Allowance for Credit Losses.&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On March 27, 2020, then President Trump signed into law the Coronavirus Aid, Relief, and Economic Security Act (the &#x201c;CARES Act&#x201d;), which, among other things, allows us to (i) elect to suspend the requirements under GAAP for loan modifications related to COVID-19 that would otherwise be categorized as TDRs, and (ii) suspend any determination of a loan modified as a result of the effects of COVID-19 as being a TDR, including impairment for accounting purposes. Furthermore, on December 27, 2020, the Consolidated Appropriations Act, 2021 (the &#x201c;CAA&#x201d;) was signed into law. The CAA provides for additional COVID-19 focused relief and extends certain provisions of the CARES Act. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We have elected to suspend TDR accounting for both forbearance and interest rate modifications of loans that occur as a result of COVID-19 for the applicable period of the CARES Act and CAA relief. The relief from TDR guidance applies to modifications of loans that were not more than 30 days past due as of December 31, 2019, and that occur during the period beginning on March 1, 2020, and ending on the earlier of (i) sixty days after the date on which the national emergency related to the COVID-19 outbreak is terminated, or (ii) January 1, 2022. We are continuing to apply TDR accounting to those loans that were more than 30 days past due as of December 31, 2019 and were subsequently modified.   &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Off-Balance Sheet Exposure for Contractual Loan Commitments - 2021 and 2020&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When we approve a Private Education Loan at the beginning of an academic year, that approval may cover the borrowing for the entire academic year. As such, we do not always disburse the full amount of the loan at the time of such approval, but instead have a commitment to fund a portion of the loan at a later date (usually the start of the second semester or subsequent trimesters). We estimate expected credit losses over the contractual period in which we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by us. The discounted cash flow approach described above includes expected future contractual disbursements. The portion of the allowance for credit losses related to future disbursements is shown as a liability on the face of the balance sheet, and related provision for credit losses is reflected on the income statement.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%"&gt;Uncollectible Interest - 2021 and 2020&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The majority of the total accrued interest receivable on our Private Education Loan portfolio represents accrued interest on deferred loans where no payments are due while the borrower is in school and on fixed-pay loans where the borrower makes a $25 monthly payment that is smaller than the interest accrued on the loan in that month. The accrued interest on these loans will be capitalized and increase the unpaid principal balance of the loans when the borrower exits the grace period after separation from school. The discounted cash flow approach described above considers both the collectability of principal as well as this portion of accrued interest that is expected to capitalize to the balance of the loan. Therefore, the allowance for this portion of accrued interest balance is included in our allowance for credit losses. The discounted cash flow approach does not consider interest accrued on loans that are in a full principal and interest repayment status or in interest-only repayment status. We separately capture the amount of expected uncollectible interest associated with these loans using historical experience to estimate the uncollectible interest for the next four months at each period-end date. This amount is recorded as a reduction of interest income. Accrued interest receivable is separately disclosed on the face of the balance sheet. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Allowance for Credit Card Loans - 2021 and 2020&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We use the gross loss approach when estimating the allowance for credit losses for our Credit Card portfolio. Because our Credit Card portfolio is new and we do not have sufficient historical loss experience, we use estimated loss rates reported by other financial institutions to estimate our allowance for credit losses for Credit Cards, net of expected recoveries. In addition, we use a model that utilizes purchased credit card information with risk characteristics similar to those of our own portfolio as a challenger model. We then consider any qualitative factors that may change our future expectations of losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As all of our Credit Card loans are unconditionally cancelable by us, the issuer, we do not record any estimate of credit losses for unused portions of our Credit Card commitments. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Allowance for FFELP Loan Losses - 2021 and 2020&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;FFELP Loans are insured as to their principal and accrued interest in the event of default, subject to a risk-sharing level based on the date of loan disbursement. These insurance obligations are supported by contractual rights against the United States. For loans disbursed on or after July 1, 2006, we receive 97 percent reimbursement on all qualifying claims.  For loans disbursed after October 1, 1993, and before July 1, 2006, we receive 98 percent reimbursement on all qualifying claims. For loans disbursed prior to October 1, 1993, we receive 100 percent reimbursement. Because we bear a maximum of three percent loss exposure due to this federal guarantee, our allowance for credit losses for FFELP Loans and related periodic provision expense are relatively small.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We use the gross loss approach when estimating the allowance for credit losses for the unguaranteed portion of our FFELP Loans. We maintain an allowance for credit losses for our FFELP Loans at a level sufficient to cover lifetime expected credit losses. The allowance for FFELP Loan losses uses historical experience of customer default behavior. We apply the default rate projections, net of applicable risk sharing, to our FFELP Loans for the current period to perform our quantitative calculation. Once the quantitative calculation is performed, we review the adequacy of the allowance for credit losses and determine if qualitative adjustments need to be considered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Allowance for Credit Losses - 2019&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Prior to January 1, 2020, we maintained an allowance for credit losses at an amount sufficient to absorb probable losses incurred in our portfolios, as well as regarding future loan commitments, at the reporting date based on a projection of estimated probable credit losses incurred in the portfolio. We considered a loan to be impaired when, based on current information, a loss had been incurred and it was probable that we would not receive all contractual amounts due. When making our assessment as to whether a loan was impaired, we also took into account more than insignificant delays in payment. We generally evaluated impaired loans on an aggregate basis by grouping similar loans.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We analyzed our portfolios to determine the effects that the various stages of delinquency and forbearance had on borrower default behavior and ultimate charge off.  We estimated the allowance for credit losses for our loan portfolios using a roll rate analysis of delinquent and current accounts. A &#x201c;roll rate analysis&#x201d; is a technique used to estimate the likelihood that a loan receivable may progress through the various delinquency stages and ultimately charge off. We also took into account the current and future economic environment and certain other qualitative factors when calculating the allowance for credit losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The evaluation of the allowance for credit losses is inherently subjective, as it required material estimates that may be susceptible to significant changes. Our default estimates were based on a loss emergence period of one year for Private Education Loans, Personal Loans, and Credit Cards and two years for FFELP Loans. A loss emergence period represents the expected period between the first occurrence of an event likely to cause a loss on a loan and the date the loan is expected to be charged off, taking into consideration account management practices that affect the timing of a loss, such as the usage of forbearance. The loss emergence period underlying the allowance for credit losses was subject to a number of assumptions. If actual future performance in delinquency, charge-offs, and recoveries was significantly different than estimated, or account management assumptions or practices were to change, this could materially affect the estimate of the allowance for credit losses, the timing of when losses were recognized, and the related provision for credit losses on our consolidated statements of income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We utilized various models to determine an appropriate allowance for credit losses. Changes to model inputs were made as deemed necessary. The models were reviewed and validated periodically.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Below we describe in further detail our policies and procedures for the allowance for credit losses in 2019 as they relate to our Private Education Loan, Personal Loan, FFELP Loan portfolios and Credit Cards.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%"&gt;Allowance for Private Education Loan Losses - 2019&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Prior to January 1, 2020, in determining the allowance for credit losses on our Private Education Loans that are not TDRs, we estimated the principal amount of loans that would default over the next year (one year being the expected period between a loss trigger event and default) using a roll rate model and how much we expected to recover over the same one-year period related to the defaulted amount. The expected defaults less our expected recoveries adjusted for any qualitative factors (discussed below) equaled the allowance related to this portfolio. Our historical experience indicates that, on average, the time between the date that a customer experiences a default causing event (i.e., the loss trigger event) and the date that we charge off the unrecoverable portion of that loan is one year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In estimating both the non-TDR and TDR allowance amounts, we started with historical experience of customer delinquency and default behavior. We made judgments about which historical period to start with and then made further judgments about whether that historical experience was representative of future expectations and whether additional &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;adjustments may be needed to those historical default rates. We also took certain other qualitative factors into consideration when calculating the allowance for credit losses. These qualitative factors included, but were not limited to, changes in the economic environment, changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not already included in the analysis, and the effect of other external factors, such as legal and regulatory requirements, on the level of estimated credit losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Certain Private Education Loans do not require borrowers to begin repayment until at least six months after they have graduated or otherwise separated from school. Consequently, the loss estimates for these loans were generally low while the borrower was in school.  As this population of borrowers left school, they would be required to begin payments on their loans, and the allowance for losses could change accordingly.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Similar to the rules governing FFELP payment requirements, our collection policies allow for periods of nonpayment for borrowers requesting additional payment grace periods upon leaving school or experiencing temporary difficulty meeting payment obligations. This is referred to as forbearance status and was considered separately in the allowance for credit losses. The loss emergence period was in alignment with the typical collection cycle and took into account these periods of nonpayment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As part of concluding on the adequacy of the allowance for credit losses, we reviewed key allowance and loan metrics. The most relevant of these metrics considered were the allowance coverage of net charge-offs ratio; the allowance as a percentage of ending total loans and of ending loans in repayment; and delinquency and forbearance percentages.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We consider a loan to be delinquent if the borrower has not made a required payment prior to the 31st day after such payment was contractually due. We used a model to estimate the amount of uncollectible accrued interest on Private Education Loans and reserved for that amount against current period interest income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our non-TDR allowance for credit losses was estimated using an analysis of delinquent and current accounts. Our roll rate model was used to estimate the likelihood that a loan receivable may progress through the various delinquency stages and ultimately charge off. Once a charge-off forecast was estimated, a recovery assumption was layered on top.  In estimating recoveries, we used both estimates of what we would receive from the sale of defaulted loans as well as historical borrower payment behavior to estimate the timing and amount of future recoveries on charged-off loans.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The roll rate analysis model was based upon actual experience using the 120 day charge-off default aversion strategies.  Once the quantitative calculation was performed, we reviewed the adequacy of the allowance for credit losses and determined if qualitative adjustments needed to be considered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Allowance for Personal Loans - 2019&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Prior to January 1, 2020, we maintained an allowance for Personal Loan losses at an amount sufficient to absorb losses estimated and viewed at the reporting date as probable credit losses to be incurred in the portfolio. In determining the allowance for credit losses on our Personal Loan portfolio that were not TDRs, we estimated the principal amount of the loans that would default over the next twelve months (twelve months being the expected period between a loss trigger event and default) and how much we expected to recover over the same twelve-month period related to the defaulted amounts. The expected defaults less our expected recoveries adjusted for any qualitative factors equaled the allowance related to this portfolio. At December 31, 2019, there were no Personal Loans classified as TDRs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Troubled Debt Restructurings - 2019&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Separately, for our TDR portfolio, we estimated an allowance amount sufficient to cover life-of-loan expected losses through an impairment calculation based on the difference between the loan&#x2019;s basis and the present value of expected future cash flows (which would include life-of-loan default and recovery assumptions) discounted at the loan&#x2019;s original effective interest rate. Our TDR portfolio is comprised mostly of loans with interest rate reductions and loans with forbearance usage greater than three months during a 24-month period, as further described above.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Allowance for FFELP Loan Losses - 2019&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;FFELP Loans are insured as to their principal and accrued interest in the event of default subject to a risk-sharing level based on the date of loan disbursement. These insurance obligations are supported by contractual rights against the United States. For loans disbursed on or after July 1, 2006, we receive 97 percent reimbursement on all qualifying claims.  For loans disbursed after October 1, 1993, and before July 1, 2006, we receive 98 percent reimbursement. For loans disbursed prior to October 1, 1993, we receive 100 percent reimbursement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The 2019 allowance for FFELP Loan losses used historical experience of customer default behavior and a two-year loss emergence period to estimate the credit losses incurred in the loan portfolio at the reporting date. We applied the &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;default rate projections, net of applicable risk sharing, to each category for the relevant period to perform our quantitative calculation. Once the quantitative calculation was performed, we reviewed the adequacy of the allowance for credit losses and determined if qualitative adjustments needed to be considered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Allowance for Credit Card Loans - 2019&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The 2019 allowance for Credit Card losses was management&#x2019;s estimate of credit losses inherent in the Credit Card portfolio at the relevant balance sheet date. The allowance for Credit Card losses used historical loss rates for accounts with similar characteristics (based on industry data) as a reasonable basis to estimate future losses. At December 31, 2019, there were no Credit Cards classified as TDRs&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:11pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our retail deposit accounts are principally certificates of deposit (&#x201c;CDs&#x201d;), money market deposit accounts (&#x201c;MMDAs&#x201d;), and high-yield savings (&#x201c;HYS&#x201d;) accounts. CDs are accounts that have a stipulated maturity and interest rate. Retail CDs may be withdrawn early, but a penalty is assessed. MMDA and HYS accounts are both interest and non-interest bearing accounts that have no maturity or expiration date. For retail MMDA and HYS accounts, the depositor may be required to give written notice of any intended withdrawal not less than seven days before the withdrawal is made.&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Bank also includes brokered CDs in its funding base.&#160;Early withdrawal of brokered CDs is prohibited (except in the case of death or legal incapacity). Other deposit accounts include large interest-bearing omnibus accounts deposited in the Bank by commercial entities having custodial responsibilities for many underlying accounts.&#160;These omnibus accounts may be structured with or without fixed maturities, and may have fixed or variable interest rates. &#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:11pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Fair Value Measurement&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:11.25pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We use estimates of fair value in applying various accounting standards for our financial statements. Fair value measurements are used in one of four ways:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;In the consolidated balance sheet with changes in fair value recorded in the consolidated statement of income;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;In the consolidated balance sheet with changes in fair value recorded in the accumulated other comprehensive income section of the consolidated statement of changes in equity;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;In the consolidated balance sheet for instruments carried at lower of cost or fair value with impairment charges recorded in the consolidated statement of income; and&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;In the notes to the consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Fair value is defined as the price to sell an asset or transfer a liability in an orderly transaction between willing and able market participants. In general, our policy in estimating fair value is to first look at observable market prices for identical assets and liabilities in active markets, where available. When these are not available, other inputs are used to model fair value such as prices of similar instruments, yield curves, volatilities, prepayment speeds, default rates, and credit spreads (including for our liabilities), relying first on observable data from active markets. Depending on current market conditions, additional adjustments to fair value may be based on factors such as liquidity, credit, and bid/offer spreads. Transaction costs are not included in the determination of fair value. When possible, we seek to validate the model&#x2019;s output to market transactions. Depending on the availability of observable inputs and prices, different valuation models could produce materially different fair value estimates. The values presented may not represent future fair values and may not be realizable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We categorize our fair value estimates based on a hierarchical framework associated with three levels of price transparency utilized in measuring financial instruments at fair value. Classification is based on the lowest level of input that is significant to the fair value of the instrument. The three levels are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Level 1 &#x2014; Quoted prices (unadjusted) in active markets for identical assets or liabilities that we have the ability to access at the measurement date. The types of financial instruments included in level 1 are highly liquid instruments with quoted prices.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Level 2 &#x2014; Inputs from active markets, other than quoted prices for identical instruments, are used to determine fair value. Significant inputs are directly observable from active markets for substantially the full term of the asset or liability being valued.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Level 3 &#x2014; Pricing inputs significant to the valuation are unobservable. Inputs are developed based on the best information available. However, significant judgment is required by us in developing the inputs.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Loan Interest Income&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For all loans, including impaired loans (regardless of the delinquency status of the impaired loans), classified as held for investment, we recognize interest income as earned, adjusted for the amortization of deferred direct origination and acquisition costs. Deferred fees or costs are required to be recognized as yield adjustments over the life of the related loans and are recognized by the interest method. The objective of the interest method is to arrive at periodic interest income (including recognition of fees and costs) at a constant effective yield on the net investment in the receivable (i.e., the principal amount of the receivable adjusted by unamortized fees or costs, purchase premium or discount, and any hedging activity&#x2014;these unamortized costs will collectively be referred to as &#x201c;basis adjustments&#x201d;). The difference between the periodic interest income so determined and the interest income determined by applying the stated interest rate to the outstanding principal amount of the receivable is the amount of periodic amortization of deferred direct origination and acquisition costs. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For the amortization of the basis adjustments, we determine the constant effective yield necessary to apply the interest method based upon the contractual terms of the loan contract, with no consideration given to expected prepayments. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For fixed-rate loans, when a prepayment occurs the unamortized balance of the basis adjustments is adjusted so that future amortization (based upon the contractual terms of the loan) will result in a constant effective yield equal to the original effective interest rate. Prepayments do not result in a change in the effective interest rate of the loan. We determine the contractual payments on a pool basis; as such, when a prepayment occurs, future contractual payments will be determined assuming the pool will make smaller payments through the original term of the contract. The adjustment to the unamortized basis adjustment balance is recorded in interest income.   &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For variable-rate loans, the effective interest rate at the time of origination is the loan&#x2019;s effective interest rate assuming all future contractual payments. The effective interest rate remains the same for that loan until the loan rate changes.  If there is no prepayment and no change in the stated interest rate, the periodic amortization of the basis adjustments is equal to the difference between the effective interest rate multiplied by the book basis and the contractual interest due. We determine the contractual payments on a pool basis; as such, when a prepayment occurs, future contractual payments will be determined assuming the pool will make smaller payments through the original term of the contract. The adjustment to the unamortized basis adjustment balance is recorded in interest income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When the interest rate on a variable-rate loan changes, the effective interest rate is recalculated using the same methodology described in the previous paragraph; however, the future contractual payments are changed to reflect the new interest rate. There is no forecasting of future expected changes in interest rates.  The accounting basis used to determine the effective interest rate of the cash flows is equal to the balances of the unpaid principal balance and unamortized basis adjustments at the time of the rate change.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We also pay to the U.S. Department of Education (the &#x201c;DOE&#x201d;) an annual 105 basis point Consolidation Loan Rebate Fee on FFELP consolidation loans, which is netted against loan interest income. Additionally, interest earned on education loans reflects potential non-payment adjustments in accordance with our uncollectible interest recognition policy. We do not amortize any adjustments to the basis of loans when they are classified as held-for-sale.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;With the adoption of CECL on January 1, 2020, we continue to analyze the collectability of accrued interest associated with loans not currently in full principal and interest repayment status or interest-only repayment status as discussed above; however, we have changed the recognition of the allowance for this portion of uncollectible interest (amounts to be capitalized after separation from school and the expiration of the grace period) to the provisions for credit losses from our historical practice of recording it as a reduction of interest income, as well as classifying this allowance as part of our allowance for credit losses as opposed to our historical practice of recording it as a reduction of accrued interest income receivable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The allowance for the portion of uncollectible interest on loans making full interest payments will continue to be recorded as a reduction of interest income. As we maintain an allowance for uncollectible interest on loans making full interest payments and an allowance for credit losses for the interest on loans where all, or a portion of the interest, will be capitalized in the future, we do not place loans in nonaccrual status prior to charge-off. At December 31, 2021 and 2020, we had no loans in nonaccrual status.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We recognize certain fee income (primarily late fees) on all loans when earned according to the contractual provisions of the promissory notes, as well as our expectation of collectability. Fee income is recorded when earned in &#x201c;other non-interest income&#x201d; in the accompanying consolidated statements of income. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Interest Expense&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Interest expense is based upon contractual interest rates adjusted for the amortization of issuance costs. We incur interest expense on interest-bearing deposits comprised of non-maturity savings deposits, brokered and retail CDs, and brokered and retail MMDAs, as well as on unsecured and secured financings. &#160;Interest expense is recognized when amounts are contractually due to deposit and debt holders and is adjusted for net payments/receipts related to interest rate swap agreements that qualify and are designated hedges of interest-bearing liabilities. &#160;Interest expense also includes the amortization of deferred gains and losses on closed hedge transactions that qualified as hedges.  Amortization of debt issuance costs, premiums, discounts, and terminated hedge-basis adjustments are recognized using the effective interest rate method. We incur certain fees related to our Private Education Loan multi-lender secured borrowing facility (the &#x201c;Secured Borrowing Facility&#x201d;), including an unused Secured Borrowing Facility fee, and also incur fees related to our term asset-backed securities (&#x201c;ABS&#x201d;). These fees are included in interest expense.  Refer to Note 10, &#x201c;Deposits,&#x201d; and Note 11, &#x201c;Borrowings&#x201d; for further details of our interest-bearing liabilities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Gains on Sale of Loans, Net&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We may participate and sell loans to third-parties and affiliates, including entities that were related parties prior to the Spin-Off. These sales may occur through whole loan sales or securitization transactions that qualify for sales treatment.  If a transfer of loans qualifies as a sale, we derecognize the loan and recognize a gain or loss as the difference between the carry basis of the loan sold and liabilities retained and the compensation received. We recognize the results of a transfer of loans based upon the settlement date of the transaction. These loans were initially recorded as held for investment and were transferred to held-for-sale immediately prior to sale or securitization. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In 2021, we recognized $548&#160;million in gains from the sale of approximately $4.24&#160;billion of our Private Education Loans, including $3.98&#160;billion of principal and $264&#160;million in capitalized interest, to unaffiliated third parties.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In 2020, we recognized $238&#160;million in gains from the sale of approximately $3.1&#160;billion of our Private Education Loans, including $2.9&#160;billion of principal and $199&#160;million in capitalized interest, to unaffiliated third parties. We did not sell loans in 2019.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Other Income &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Included in other income are late fees on both Private Education Loans and FFELP Loans, which we recognize when the cash has been received, fees related to our Credit Card program, income for servicing private student loans for third-parties, and changes to our tax indemnification receivable from Navient.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our former Upromise subsidiary had a number of programs that encouraged consumers to save for the cost of college education. We had established a consumer savings network, which was designed to promote college savings by consumers who were members of this program by encouraging them to purchase goods and services from the merchants that participated in the program. Participating merchants generally paid Upromise fees based on member purchase volume, either online or in stores, depending on the contractual arrangement with the merchant. We recognized revenue as marketing and administrative services were rendered, based upon contractually determined rates and member purchase volumes. On May 31, 2020, we sold our Upromise subsidiary to a third party, resulting in the loss of revenue from that business for the second half of 2020.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Securitization Accounting&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our securitization transactions use a two-step structure with a special purpose entity VIE that legally isolates the transferred assets from us in the event of bankruptcy or receivership. Transactions receiving sale treatment are also structured to ensure that the holders of the beneficial interests issued are not constrained from pledging or exchanging their interests, and that we do not maintain effective control over the transferred assets. If these criteria are not met, then the transaction is accounted for as an on-balance sheet secured borrowing. If a securitization qualifies as a sale, we then assess whether we are the primary beneficiary of the securitization trust and are required to consolidate such trust. We are considered the primary beneficiary if we have both: (i) the power to direct the activities of the VIE that most significantly impact the VIE&#x2019;s economic performance; and (ii) the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE. There can be considerable judgment as it relates to determining the primary beneficiary of the VIEs. There are no &#x201c;bright line&#x201d; tests. Rather, the assessment of who has the power to direct the activities of the VIE that most significantly affect the VIE&#x2019;s economic performance and who has the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE can be very qualitative and judgmental in nature. If we are the primary beneficiary, then no gain or loss is recognized.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We have determined that as the servicer of Sallie Mae securitization trusts, we meet the first primary beneficiary criterion because we have the power to direct the activities of the VIE that most significantly impact the VIE&#x2019;s economic performance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Irrespective of whether a securitization receives sale or on-balance sheet treatment, our continuing involvement with our securitization trusts is generally limited to:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Owning the equity certificates of certain trusts;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;The servicing of the student loan assets within the securitization trusts, on both a pre- and post-default basis;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Our acting as administrator for the securitization transactions we sponsored;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Our responsibilities relative to representation and warranty violations; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;The option to exercise the clean-up call and purchase the student loans from the trust when the pool balance is 10 percent or less of the original pool balance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In 2021 and 2020, we executed several secured financing transactions. Based upon our relationships with these securitizations, we believe the consolidation assessment is straightforward.  We consolidated our secured financing transactions because either we did not meet the accounting criterion for sales treatment or we determined we were the primary beneficiary of the VIE because we retained (i) the residual interest in the securitization and therefore had the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE, as well as (ii) the power to direct the activities of the VIE in our role as servicer. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The investors in our securitization trusts have no recourse to our other assets should there be a failure of the trust to pay when due. Generally, the only recourse the securitization trusts have to us is in the event we breach a seller representation or warranty or our duties as master servicer and servicer, in which event we are obligated to repurchase the related loans from the trust. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;From time to time, we also engage in certain transactions that are not consolidated on our balance sheet due to the transaction having met the criterion for sales treatment. In these transactions, we remove loans from our consolidated balance sheet and recognize any assets retained and liabilities assumed at fair value, and record a gain or loss on the transferred loans. Our continuing involvement in these securitization transactions mainly consists of acting as the primary servicer and holding certain retained interests. We provide additional information regarding these types of activities in Note 11, &#x201c;Borrowings &#x2014; Unconsolidated VIEs.&#x201d; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Derivative Accounting&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We account for our derivatives, consisting of interest rate swaps, at fair value on the consolidated balance sheets as either an asset or liability. Derivative positions are recorded as net positions by counterparty based on master netting arrangements (see Note 12, &#x201c;Derivative Financial Instruments&#x201d;), exclusive of accrued interest and cash collateral held or pledged. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the &#x201c;Dodd-Frank Act&#x201d;) requires all standardized derivatives, including most interest rate swaps, to be submitted for clearing to central counterparties to reduce counterparty risk.  Two of the central counterparties we use are the Chicago Mercantile Exchange (the &#x201c;CME&#x201d;) and the London Clearing House (the &#x201c;LCH&#x201d;). All variation margin payments on derivatives cleared through the CME and LCH are accounted for as legal settlement. As of December&#160;31, 2021, $5.2 billion notional of our derivative contracts were cleared on the CME and $0.3 billion were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent 94.4 percent and 5.6 percent, respectively, of our total notional derivative contracts of $5.5 billion at December&#160;31, 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For derivatives cleared through the CME and LCH, the net gain (loss) position includes the variation margin amounts as settlement of the derivative and not collateral against the fair value of the derivative. The amount of variation margin included as settlement as of December 31, 2021 was $(72) million and $8 million for the CME and LCH, respectively. Changes in fair value for derivatives not designated as hedging instruments are presented as realized gains (losses). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We determine the fair value for our derivative contracts primarily using pricing models that consider current market conditions and the contractual terms of the derivative contracts. These pricing models consider interest rates, time value, forward interest rate curves, and volatility factors. Inputs are generally from active financial markets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The accounting for derivative instruments requires that every derivative instrument, including certain derivative instruments embedded in other contracts, be recorded on the balance sheet as either an asset or liability measured at fair value. Our derivative instruments are classified and accounted for by us as fair value hedges, cash flow hedges, and trading hedges. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:1pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Each derivative is designated to a specific (or pool of) liability(ies) on the consolidated balance sheets, and is designated as either a &#x201c;fair value&#x201d; hedge or a &#x201c;cash flow&#x201d; hedge. Fair value hedges are designed to hedge our exposure to the changes in fair value of a fixed-rate liability. For effective fair value hedges, both the hedge and the hedged item (for the risk being hedged) are recorded at fair value with any difference reflecting ineffectiveness recorded immediately in the consolidated statements of income. Cash flow hedges are designed to hedge our exposure to variability in cash flows related to variable-rate deposits. The assessment of the hedge&#x2019;s effectiveness is performed at inception and on an ongoing basis, using regression testing. For hedges of a pool of liabilities, tests are performed to demonstrate the similarity of individual instruments of the pool. When it is determined that a derivative is not currently an effective hedge, ineffectiveness is recognized for the full change in fair value of the derivative with no offsetting amount from the hedged item since the last time it was effective. If it is also determined the hedge will not be effective in the future, we discontinue the hedge accounting prospectively and begin amortization of any basis adjustments that exist related to the hedged item.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On March 12, 2020, the FASB issued ASU No. 2020-04, &#x201c;Reference Rate Reform (&#x201c;Topic 848&#x201d;): Facilitation of the Effects of Reference Rate Reform on Financial Reporting.&#x201d; On January 7, 2021, the FASB issued ASU No. 2021-01, &#x201c;Reference Rate Reform (&#x201c;Topic 848&#x201d;): Scope&#x201d; that clarified the scope of Topic 848. Topic 848 contains temporary optional expedients and exceptions for applying GAAP to contract modifications, hedging relationships, and other transactions affected by reference rate reform. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our derivative portfolio is made up of interest rate swaps that are centrally cleared through either the CME or the LCH. On October 16, 2020, both the CME and the LCH changed the price alignment interest and discount rate applied when valuing these transactions to the Secured Overnight Financing rate (&#x201c;SOFR&#x201d;). The ISDA 2020 LIBOR Fallbacks Protocol (the &#x201c;ISDA Fallback Protocol&#x201d;) was made available for adherence on October 23, 2020, with an effective date of January 25, 2021. Once adhered to by both counterparties in a bilateral relationship and the effective date is reached, the ISDA Fallback Protocol represents a change to the contractual terms of derivatives governed by each respective ISDA agreement between the Company and a derivative counterparty. We have elected the option provided in Topic 848 to not reassess previous accounting determinations as well as the option to not dedesignate a hedging relationship due to a current or future change in a critical or contractual term related to reference rate reform, including changes in the discount rate. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As our liabilities may begin to use alternatives to LIBOR before LIBOR is no longer published, for cash flow hedges of forecasted LIBOR based payments, we have elected the expedient offered in Topic 848 to disregard the potential change in the designated hedged interest rate risk that may occur because of reference rate reform when we assesses whether the hedged forecasted transactions are probable, in accordance with the requirements of &#x201c;Derivatives and Hedging&#x201d; Topic 815. We have also elected the expedient provided by Topic 848 to assume the reference rate will not be replaced for the remainder of the hedging relationship when assessing hedge effectiveness.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Topic 848 allows for different elections to be made at different points in time. We intend to reassess our elections of optional expedients and exceptions included within Topic 848 when changes or additions are necessary.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stock-Based Compensation&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We recognize stock-based compensation cost in our consolidated statements of income using the fair value method. Under this method, we determine the fair value of the stock-based compensation at the time of the grant and recognize the resulting compensation expense over the vesting period of the stock-based grant. We do not apply a forfeiture rate to our stock-based compensation expense, but rather record forfeitures when they occur. We record all excess tax benefits/deficiencies related to the settlement of employee stock-based compensation to the income tax expense line item on our consolidated statements of income. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Restructuring Activities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;During the third quarter of 2020, we initiated a restructuring program to reduce costs and improve operating efficiencies by better aligning our organizational structure with our new corporate strategic imperatives. In conjunction with these restructuring plans, involuntary benefit arrangements, and certain other costs that are incremental and incurred as a direct result of our restructuring plans, are classified as restructuring expenses in the accompanying consolidated statements of income. Restructuring expenses of $26&#160;million were recorded in the year ended December 31, 2020. Of that total, $20&#160;million related to severance benefits and $6&#160;million related to other related costs, primarily legal and consulting fees. We recorded $1&#160;million in additional restructuring expenses in the year ended December 31, 2021. There were no restructuring expenses recorded in the year ended December 31, 2019. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We sponsor employee severance plans that provide severance benefits in the event of termination of our full-time employees and part-time employees who work at least 24 hours per week. The severance plans establish specified &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;benefits based on base salary, job level immediately preceding termination, and years of service upon termination of employment due to involuntary termination or a job abolishment, as defined in the severance plans. The benefits payable under the severance plans relate to past service. Accordingly, we recognize severance costs to be paid pursuant to the severance plans when payment of such benefits is probable and reasonably estimable. Such benefits, including severance pay calculated based on the severance plan, medical and dental benefits, outplacement services, and continuation pay, were incurred during the year ended December 31, 2020, as a direct result of our restructuring initiative. Accordingly, such costs are classified as restructuring expenses in the accompanying consolidated statements of income. We finalized this restructuring plan in 2020.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The majority of these restructuring expenses incurred through the year ended December 31, 2021 were severance costs related to the elimination of approximately 165 positions, or approximately 9 percent of the workforce that existed as of December 31, 2019.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Income Taxes &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We account for income taxes under the asset and liability approach, which requires the recognition of deferred tax liabilities and assets for the expected future tax consequences of temporary differences between the carrying amounts and tax basis of our assets and liabilities. To the extent tax laws change, deferred tax assets and liabilities are adjusted in the period that the tax change is enacted. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x201c;Income tax expense (benefit)&#x201d; includes (i)&#160;deferred tax expense (benefit), which represents the net change in the deferred tax asset or liability balance during the year when applicable, and (ii)&#160;current tax expense (benefit), which represents the amount of tax currently payable to or receivable from a tax authority plus amounts accrued for unrecognized tax benefits. Income tax expense (benefit) excludes the tax effects related to adjustments recorded in equity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;An uncertain tax position is recognized only if it is more likely than not to be sustained upon examination based on the technical merits of the position. The amount of tax benefit recognized in the consolidated financial statements is the largest amount of benefit that is more than 50 percent likely of being sustained upon ultimate settlement of the uncertain tax position. We recognize interest and penalties related to unrecognized tax benefits in income tax expense (benefit).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In connection with the Spin-Off, we recorded a liability related to uncertain tax positions of $27 million for which we are indemnified by Navient.  If there is an adjustment to the indemnified uncertain tax liability, an offsetting adjustment to the indemnification receivable will be recorded as pre-tax adjustment to other income in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of the date of the Spin-Off on April 30, 2014, we recorded liabilities related to deferred taxes and uncertain tax positions and an indemnification receivable of $291 million. As of December 31, 2021, with respect to those amounts recorded at the Spin-Off, the remaining liability balance is $5 million (related to uncertain tax positions) and the remaining indemnification receivable balance is $5&#160;million (related to uncertain tax positions).&lt;/span&gt;&lt;/div&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
    <us-gaap:UseOfEstimates
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    <us-gaap:InvestmentPolicyTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk3MjM_83e13fd5-d596-43cc-b5d7-6b7b6aa93baf">&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Trading Investments &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We periodically sell Private Education Loans through securitization transactions where we are required to retain a five percent vertical risk retention interest (i.e., five percent of each class issued in the securitizations). We classified those vertical risk retention interests related to the transactions as available-for-sale investments, except for the interest in the residual classes, which we classified as trading investments recorded at fair value with changes recorded through earnings. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Available-for-Sale Investments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Investments consisted of mortgage-backed securities, Utah Housing Corporation bonds, and U.S. government-sponsored enterprises and Treasury securities. We record our investment purchases and sales on a trade date basis. The amortized cost of debt securities is adjusted for amortization of premiums and accretion of discounts, which are amortized using the effective interest rate method. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our investments are classified as available-for-sale and reported at fair value. Unrealized gains or losses on available-for-sale investments are recorded in equity and reported as a component of other comprehensive income (loss), net of applicable income taxes.  &lt;/span&gt;&lt;/div&gt;We assess unrealized losses on available-for-sale debt securities that we have the ability and intent to hold for a period of time sufficient to recover the amortized cost of the security, for the purpose of determining credit impairment. If any credit impairment exists, an allowance for losses is established for the amount of the unrealized loss that is determined to be credit-related.</us-gaap:InvestmentPolicyTextBlock>
    <slm:VerticalRiskRetentionPercentage
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      decimals="2"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTk0Mw_2826425f-4c9a-4836-bf06-3c572b448511"
      unitRef="number">0.05</slm:VerticalRiskRetentionPercentage>
    <slm:VerticalRiskRetentionPercentage
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      decimals="2"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMTk5NA_84ca51c8-261a-4a3d-9be8-ffb6e350156b"
      unitRef="number">0.05</slm:VerticalRiskRetentionPercentage>
    <us-gaap:SecuritiesOwnedNotReadilyMarketablePolicy
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2Mjk_601097c1-b5a8-4c8c-8a58-3600ae727bfb">Other InvestmentsWe hold investments in non-marketable securities and account for these investments at cost, less impairment, plus or minus observable price changes of identical or similar securities of the same issuer.</us-gaap:SecuritiesOwnedNotReadilyMarketablePolicy>
    <us-gaap:FinanceLoansAndLeasesReceivablePolicy
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk3MTY_3e487a4f-98b4-4af3-a60c-bf153022d3d6">&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Loans Held for Investment&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loans, consisting of Private Education Loans, FFELP Loans, and our suite of credit cards (&#x201c;Credit Cards&#x201d;) that we have the ability and intent to hold for the foreseeable future, are classified as held for investment, and are carried at amortized cost. Amortized cost includes the unamortized premiums, discounts, and capitalized origination costs and fees, all of which are amortized to interest income as discussed under &#x201c;Loan Interest Income.&#x201d; Loans which are held for investment are reported net of an allowance for credit losses.&lt;/span&gt;&lt;/div&gt;</us-gaap:FinanceLoansAndLeasesReceivablePolicy>
    <slm:LoansHeldForSalePolicyTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NjU_246d751b-adcd-4bc9-a9c8-240ba686ff4c">&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Loans Held for Sale&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Any loans we have not classified as held for investment are classified as held-for-sale and are carried at the lower of cost or fair value. Loans are classified as held-for-sale when we have the intent and ability to sell such loans. Loans which are held-for-sale do not have the associated premium, discount, and capitalized origination costs and fees amortized into interest income. When a decision has been made to sell loans not previously classified as held for sale, such loans are transferred into the held-for-sale classification and carried at the lower of amortized cost basis (which excludes any allowance for credit losses) or fair value.  At the time of the transfer to the held-for-sale classification, any amount by which the amortized cost basis exceeds fair value is accounted for as a valuation allowance.  In addition, once a loan is classified as held-for-sale, we reverse any allowance for loan loss applicable to these loans.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As market conditions permit, we may sell or securitize loans as a source of financing for other loans. Due to varying structuring terms, certain transactions may qualify for sale treatment while others do not qualify for sale treatment and are recorded as financings. All of our education loans are initially categorized as held for investment. It is only when we have selected the loans to sell or securitize and the transaction qualifies as a sale that we transfer the loans into the held-for-sale classification and carry them at the lower of cost or fair value. If we anticipate recognizing a gain related to the impending securitization or sale, then the fair value of the loans is higher than their respective cost basis and no valuation allowance is recorded.&lt;/span&gt;&lt;/div&gt;</slm:LoansHeldForSalePolicyTextBlock>
    <slm:RestrictedCashandInvestmentsPolicyTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk3Mzc_9175a13f-7a6b-4b1c-83ee-a3b0395cb23c">Restricted CashRestricted cash primarily includes amounts held in student loan securitization trusts and other secured borrowings. This cash must be used to make payments related to trust obligations. Amounts on deposit in these accounts are primarily the result of timing differences between when principal and interest is collected on the trust assets and when principal and interest is paid on trust liabilities.</slm:RestrictedCashandInvestmentsPolicyTextBlock>
    <us-gaap:FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk3MzI_d408aff8-c2af-4710-ae10-1043191a7005">&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Allowance for Credit Losses &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Adoption of CECL&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On January 1, 2020, we adopted the Financial Accounting Standards Board&#x2019;s (&#x201c;FASB&#x2019;s&#x201d;) Accounting Standard Update (&#x201c;ASU&#x201d;) No. 2016-13, &#x201c;Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&#x201d; (&#x201c;CECL&#x201d;). Under this guidance, for all loans carried at amortized cost, upon loan origination we are required to measure our allowance for credit losses based on our estimate of all current expected credit losses over the remaining contractual term of the assets. Updates to that estimate each period are recorded through provision expense. The estimate of loan losses must be based on historical experience, current conditions, and reasonable and supportable forecasts. The ASU does not mandate the use of any specific method for estimating credit loss, permitting companies to use judgment in selecting the approach that is most appropriate in their circumstances. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Adoption of the standard had a material impact on how we record and report our financial condition and results of operations, and on regulatory capital. The following table illustrates the impact of the cumulative effect adjustment made upon adoption of CECL on January 1, 2020:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:63.611%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:34.489%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.638%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.458%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.891%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.768%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.891%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:19.865%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;January 1, 2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As reported under CECL&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Pre-CECL Adoption&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Impact of CECL Adoption&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,435,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;374,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,060,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;FFELP Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Personal Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;145,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;65,877&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;79,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,584,965&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;441,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,143,053&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deferred tax asset&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;415,540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;109,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;306,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Off-balance sheet exposures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;118,239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;115,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Equity:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Retained Earnings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;897,873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,850,512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(952,639)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;This transition adjustment shown above is inclusive of qualitative adjustments incorporated into our CECL allowance as necessary, to address any limitations in the models used. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt;Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopt&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:115%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt;CECL during the 2020 calendar year, including the Bank, may elect to delay for two years, and then phase in over the following three years, the effects on regulatory capital of CECL relative to the incurred loss methodology. The Bank has elected to use this option. Therefore, the regulatory capital impact of the Bank&#x2019;s transition adjustments recorded on January 1, 2020 from the adoption of CECL, and 25 percent of the ongoing impact of CECL on the Bank&#x2019;s allowance for credit losses, retained earnings, and average total consolidated assets, each as reported for regulatory capital purposes (collectively, the &#x201c;adjusted transition amounts&#x201d;), were deferred for the two-year period ending January 1, 2022. From January 1, 2022 to January 1, 2025, the adjusted transition amounts will be phased in for regulatory capital purposes at a rate of 25 percent per year, with the phased-in amounts included in regulatory capital at the beginning of each year. For additional information, see Note 18, &#x201c;Regulatory Capital.&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Allowance for Credit Losses - 2021 and 2020&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We maintain an allowance for credit losses for the lifetime expected credit losses on loans in our portfolios, as well as for future loan commitments, at the reporting date. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In determining the lifetime expected credit losses on our Private Education Loan portfolio loan segments, we use a discounted cash flow model. This method requires us to project future principal and interest cash flows on our loans in those portfolios. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;To estimate the future expected cash flows, we use a vintage-based model that considers life of loan loss expectations, prepayments (both voluntary and involuntary), defaults, recoveries, and any other adjustments deemed necessary, to determine the adequacy of the allowance at each balance sheet date. These cash flows are discounted at the loan&#x2019;s effective interest rate to calculate the present value of those cash flows. Management adjusts the effective interest rate used to discount expected cash flows to incorporate expected prepayments. The difference between the present value of those cash flows and the amortized cost basis of the underlying loans is the allowance for credit losses. Entities that measure credit losses based on the present value of expected future cash flows are permitted to report the entire change in present value as credit loss expense, but may alternatively report the change in present value due to the passage of time as interest income. We have elected to report the entire change in present value as credit loss expense.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In determining the loss rates used for the vintage-based approach, we start with our historical loss rates, stratify the loans within each vintage, and then adjust the loss rates based upon economic factors forecasted over a reasonable and supportable forecast period. The reasonable and supportable forecast period is meant to represent the period in which we &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;believe we can estimate the impact of forecasted economic factors in our expected losses. At the end of the reasonable and supportable forecast period, we immediately revert our forecast of expected losses to our historical averages. We use a two-year reasonable and supportable forecast period, although this period is subject to change as our view evolves on our ability to reasonably forecast economic conditions to estimate future losses.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In estimating our current expected credit losses, we use a combination of expected economic scenarios coupled with our historical experience to derive a base case adjusted for any qualitative factors (as described below). We also develop an adverse and favorable economic scenario. At each reporting date, we determine the appropriate weighting of these alternate scenarios based upon the current economic conditions and our view of the risks of alternate outcomes. This weighting of expectations is used in calculating our current expected credit losses recorded each period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In estimating recoveries, we use both estimates of what we would receive from the sale of defaulted loans as well as historical borrower payment behavior to estimate the timing and amount of future recoveries on charged-off loans.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We use historical experience and economic forecasts to estimate future prepayment speeds. As with our loss forecasts, at the end of the two-year reasonable and supportable forecast for prepayments, we immediately revert to our historical long-term prepayment rates. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In addition to the above modeling approach, we also take certain other qualitative factors into consideration when calculating the allowance for credit losses. These qualitative factors include, but are not limited to, changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not already included in the analysis, and the effect of other external factors such as legal and regulatory requirements on the level of estimated current expected credit losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The evaluation of the allowance for credit losses is inherently subjective, as it requires material estimates that may be susceptible to significant changes. If actual future performance in delinquency, charge-offs, and recoveries is significantly different than estimated, or management assumptions or practices were to change, this could materially affect the estimate of the allowance for credit losses, the timing of when losses are recognized, and the related provision for credit losses on our consolidated statements of income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When calculating our allowance for credit losses and liability for unfunded commitments, we incorporate several inputs that are subject to change period to period. These include, but are not limited to, CECL model inputs and any overlays deemed necessary by management. The most impactful CECL model inputs include: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt"&gt;Economic forecasts;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt"&gt;Weighting of economic forecasts;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt"&gt;Prepayment speeds; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:7.75pt"&gt;Recovery rates.&lt;/span&gt;&lt;/div&gt;Management overlays can encompass a broad array of factors not captured by model inputs, including but not limited to, changes in servicing policies, collection administrative practices, state law changes that could impact servicing and collection practices, and observed differences between forecasted and actual results.</us-gaap:FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts>
    <us-gaap:ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMzg0ODI5MDg4NjM3NA_fd968321-745a-4dd1-9dc7-2a86547ffad4">The following table illustrates the impact of the cumulative effect adjustment made upon adoption of CECL on January 1, 2020:&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:63.611%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:34.489%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.638%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.458%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.891%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.768%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.891%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:19.865%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;January 1, 2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As reported under CECL&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Pre-CECL Adoption&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Impact of CECL Adoption&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,435,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;374,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,060,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;FFELP Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Personal Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;145,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;65,877&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;79,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,584,965&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;441,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,143,053&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deferred tax asset&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;415,540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;109,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span 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The cash flow timing of when a borrower will begin making full principal and interest payments is dependent upon when the student either graduates or leaves school. These dates can change based upon many factors. We receive information regarding projected graduation dates from a third-party clearinghouse. The separation from school date is updated quarterly based on updated information received from the clearinghouse.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Additionally, when we have a contractual obligation to fund a loan or a portion of a loan at a later date, we make an estimate regarding the percentage of this obligation that will be funded. This estimate is based on historical experience. For unfunded commitments, we recognize the related life of loan allowance as a liability. Once the loan is funded, that liability transfers to the allowance for Private Education Loan losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Key Credit Quality Indicators - Private Education Loans - 2021 and 2020&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We determine the collectability of our Private Education Loan portfolio by evaluating certain risk characteristics. We consider credit score at original approval and periodically refreshed/updated credit scores through the loan&#x2019;s term, existence of a cosigner, loan status, and loan seasoning as the key credit quality indicators because they have the most significant effect on the determination of the adequacy of our allowance for credit losses. Credit scores are an indicator of the creditworthiness of borrowers and the higher the credit scores the more likely it is the borrowers will be able to make all of their contractual payments. Loan status affects the credit risk because a past due loan is more likely to result in a credit loss than a current loan. Additionally, loans in the deferred payment status have different credit risk profiles compared with those in current pay status. Loan seasoning affects credit risk because a loan with a history of making payments generally has a lower incidence of default than a loan with a history of making infrequent or no payments. The existence of a cosigner lowers the likelihood of default as well. We monitor and update these credit quality indicators in the analysis of the adequacy of our allowance for credit losses on a quarterly basis.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We collect on defaulted loans through a mix of in-house collectors, third-party collectors, and sales to third-parties. For December 31, 2021 and 2020, we used both an estimate of recovery rates from in-house collections as well as expectations of future sales of defaulted loans to estimate the timing and amount of future recoveries on charged-off loans.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Private Education Loans generally do not require borrowers to begin principal and interest repayment until at least six months after the borrowers have graduated or otherwise separated from school. Consequently, the loss estimates for these loans are generally low while the borrower is in school and then increase upon the end of the grace period after separation from school. At both December 31, 2021 and 2020, 24 percent of the principal balance of the Private Education Loan portfolio was related to borrowers who were then in an in-school (fully deferred), grace, or other deferment status and not required to make payments. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our collection policies for Private Education Loans allow for periods of nonpayment for certain borrowers requesting an extended grace period upon leaving school or experiencing temporary difficulty meeting payment obligations. This is referred to as forbearance and is considered in estimating the allowance for credit losses. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As part of concluding on the adequacy of the allowance for credit losses for Private Education Loans, we review key allowance and loan metrics. The most relevant of these metrics considered are the allowance as a percentage of ending total loans, delinquency percentages, and forbearance percentages.&lt;/span&gt;&lt;/div&gt;We consider a Private Education Loan to be delinquent if the borrower has not made a required payment prior to the 31st day after such payment was contractually due.</slm:AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock>
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    <slm:LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NDc_105357da-a8d7-456f-a8bc-af700e45290e">&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Troubled Debt Restructurings (&#x201c;TDRs&#x201d;) - 2021 and 2020&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In estimating the expected defaults for our Private Education Loans that are considered TDRs, we follow the same discounted cash flow process described above but use the historical loss rates related to past TDR loans. The appropriate gross loss rates are determined for each individual loan by evaluating loan maturity, risk characteristics, and macroeconomic conditions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The allowance for our TDR portfolio is included in our overall allowance for Private Education Loans. Our TDR portfolio is comprised mostly of loans with interest rate reductions and loans with forbearance usage greater than three months, as further described below.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations, achieve better student outcomes, and increase the collectability of the loans. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. When we give a borrower facing financial difficulty an interest rate reduction, we temporarily reduce the rate (currently to 4.0 percent) for a two-year period and, in the vast majority of cases, permanently extend the final maturity of the loan. The combination of these two loan term changes helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We classify a loan as a TDR due to forbearance using a two-step process. The first step is to identify a loan that was in full principal and interest repayment status and received more than three months of forbearance in a 24-month period; however, during the first nine months after a loan had entered full principal and interest repayment status, we do not count up to the first six months of forbearance received during that period against the three-month policy limit. The second step is to evaluate the creditworthiness of the loan by examining its most recent refreshed FICO score. Loans that have met the criteria in the first test and have a FICO score above a certain threshold (based on the most recent quarterly FICO &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;score refresh) will not be classified as TDRs. Loans that have met the criteria in the first test and have a FICO score under the threshold (based on the most recent quarterly FICO score refresh) will be classified as TDRs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;A loan also becomes a TDR when it is modified to reduce the interest rate on the loan (regardless of when such modification occurs and/or whether such interest rate reduction is temporary). Once a loan qualifies for TDR status, it remains a TDR for allowance purposes for the remainder of its life. About half our loans that are considered TDRs involve a temporary forbearance of payments and do not change the contractual interest rate of the loan. As of both December 31, 2021 and 2020, approximately 47 percent of TDRs were classified as such due to their forbearance status. For additional information, see Note 7, &#x201c;Allowance for Credit Losses.&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On March 27, 2020, then President Trump signed into law the Coronavirus Aid, Relief, and Economic Security Act (the &#x201c;CARES Act&#x201d;), which, among other things, allows us to (i) elect to suspend the requirements under GAAP for loan modifications related to COVID-19 that would otherwise be categorized as TDRs, and (ii) suspend any determination of a loan modified as a result of the effects of COVID-19 as being a TDR, including impairment for accounting purposes. Furthermore, on December 27, 2020, the Consolidated Appropriations Act, 2021 (the &#x201c;CAA&#x201d;) was signed into law. The CAA provides for additional COVID-19 focused relief and extends certain provisions of the CARES Act. &lt;/span&gt;&lt;/div&gt;We have elected to suspend TDR accounting for both forbearance and interest rate modifications of loans that occur as a result of COVID-19 for the applicable period of the CARES Act and CAA relief. The relief from TDR guidance applies to modifications of loans that were not more than 30 days past due as of December 31, 2019, and that occur during the period beginning on March 1, 2020, and ending on the earlier of (i) sixty days after the date on which the national emergency related to the COVID-19 outbreak is terminated, or (ii) January 1, 2022. We are continuing to apply TDR accounting to those loans that were more than 30 days past due as of December 31, 2019 and were subsequently modified.</slm:LoansAndLeasesReceivableAllowanceForPersonalLoansPolicyTextBlock>
    <slm:LoansAndLeasesReceivableTemporaryInterestRateReductionFinancialDifficultyStatus
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    <slm:LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring
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      unitRef="number">0.47</slm:LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring>
    <slm:LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring
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      unitRef="number">0.47</slm:LoansandLeasesReceivableImpairedLoansGrantedForbearanceQualifiedasTroubleDebtRestructuring>
    <slm:AllowanceForPrivateEducationLoanLossesPolicyTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NjE_a4c96723-da46-4078-b5b4-1426bbe8f316">&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Off-Balance Sheet Exposure for Contractual Loan Commitments - 2021 and 2020&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When we approve a Private Education Loan at the beginning of an academic year, that approval may cover the borrowing for the entire academic year. As such, we do not always disburse the full amount of the loan at the time of such approval, but instead have a commitment to fund a portion of the loan at a later date (usually the start of the second semester or subsequent trimesters). We estimate expected credit losses over the contractual period in which we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by us. The discounted cash flow approach described above includes expected future contractual disbursements. The portion of the allowance for credit losses related to future disbursements is shown as a liability on the face of the balance sheet, and related provision for credit losses is reflected on the income statement.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%"&gt;Uncollectible Interest - 2021 and 2020&lt;/span&gt;&lt;/div&gt;The majority of the total accrued interest receivable on our Private Education Loan portfolio represents accrued interest on deferred loans where no payments are due while the borrower is in school and on fixed-pay loans where the borrower makes a $25 monthly payment that is smaller than the interest accrued on the loan in that month. The accrued interest on these loans will be capitalized and increase the unpaid principal balance of the loans when the borrower exits the grace period after separation from school. The discounted cash flow approach described above considers both the collectability of principal as well as this portion of accrued interest that is expected to capitalize to the balance of the loan. Therefore, the allowance for this portion of accrued interest balance is included in our allowance for credit losses. The discounted cash flow approach does not consider interest accrued on loans that are in a full principal and interest repayment status or in interest-only repayment status. We separately capture the amount of expected uncollectible interest associated with these loans using historical experience to estimate the uncollectible interest for the next four months at each period-end date. This amount is recorded as a reduction of interest income. Accrued interest receivable is separately disclosed on the face of the balance sheet.</slm:AllowanceForPrivateEducationLoanLossesPolicyTextBlock>
    <slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNDM5ODA0NjY1MDYyOQ_748d7f96-be34-4253-8378-d39c65d02ba0">&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Allowance for Credit Card Loans - 2021 and 2020&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We use the gross loss approach when estimating the allowance for credit losses for our Credit Card portfolio. Because our Credit Card portfolio is new and we do not have sufficient historical loss experience, we use estimated loss rates reported by other financial institutions to estimate our allowance for credit losses for Credit Cards, net of expected recoveries. In addition, we use a model that utilizes purchased credit card information with risk characteristics similar to those of our own portfolio as a challenger model. We then consider any qualitative factors that may change our future expectations of losses.&lt;/span&gt;&lt;/div&gt;As all of our Credit Card loans are unconditionally cancelable by us, the issuer, we do not record any estimate of credit losses for unused portions of our Credit Card commitments.</slm:AllowanceForCreditCardLoansPolicyTextBlock>
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      unitRef="number">0.03</slm:PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure>
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      unitRef="number">0.98</slm:PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne>
    <slm:PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree
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    <slm:DepositsPolicyTextBlock
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NjY_4f6008df-6b27-44d9-924c-ad5c9ad16a67">&lt;div style="margin-top:11pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Deposits&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our retail deposit accounts are principally certificates of deposit (&#x201c;CDs&#x201d;), money market deposit accounts (&#x201c;MMDAs&#x201d;), and high-yield savings (&#x201c;HYS&#x201d;) accounts. CDs are accounts that have a stipulated maturity and interest rate. Retail CDs may be withdrawn early, but a penalty is assessed. MMDA and HYS accounts are both interest and non-interest bearing accounts that have no maturity or expiration date. For retail MMDA and HYS accounts, the depositor may be required to give written notice of any intended withdrawal not less than seven days before the withdrawal is made.&#160;&lt;/span&gt;&lt;/div&gt;The Bank also includes brokered CDs in its funding base.&#160;Early withdrawal of brokered CDs is prohibited (except in the case of death or legal incapacity). Other deposit accounts include large interest-bearing omnibus accounts deposited in the Bank by commercial entities having custodial responsibilities for many underlying accounts.&#160;These omnibus accounts may be structured with or without fixed maturities, and may have fixed or variable interest rates.</slm:DepositsPolicyTextBlock>
    <slm:DepositsPeriodofNotificationforWithdrawal
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfMzY5ODk_1385e43e-eec8-414d-bab6-78d5632e7f16">P7D</slm:DepositsPeriodofNotificationforWithdrawal>
    <us-gaap:FairValueOfFinancialInstrumentsPolicy
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2MDI_7c8fa300-0293-4e20-b725-58795abb2412">&lt;div style="margin-top:11pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Fair Value Measurement&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:11.25pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We use estimates of fair value in applying various accounting standards for our financial statements. Fair value measurements are used in one of four ways:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;In the consolidated balance sheet with changes in fair value recorded in the consolidated statement of income;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;In the consolidated balance sheet with changes in fair value recorded in the accumulated other comprehensive income section of the consolidated statement of changes in equity;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;In the consolidated balance sheet for instruments carried at lower of cost or fair value with impairment charges recorded in the consolidated statement of income; and&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;In the notes to the consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Fair value is defined as the price to sell an asset or transfer a liability in an orderly transaction between willing and able market participants. In general, our policy in estimating fair value is to first look at observable market prices for identical assets and liabilities in active markets, where available. When these are not available, other inputs are used to model fair value such as prices of similar instruments, yield curves, volatilities, prepayment speeds, default rates, and credit spreads (including for our liabilities), relying first on observable data from active markets. Depending on current market conditions, additional adjustments to fair value may be based on factors such as liquidity, credit, and bid/offer spreads. Transaction costs are not included in the determination of fair value. When possible, we seek to validate the model&#x2019;s output to market transactions. Depending on the availability of observable inputs and prices, different valuation models could produce materially different fair value estimates. The values presented may not represent future fair values and may not be realizable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We categorize our fair value estimates based on a hierarchical framework associated with three levels of price transparency utilized in measuring financial instruments at fair value. Classification is based on the lowest level of input that is significant to the fair value of the instrument. The three levels are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Level 1 &#x2014; Quoted prices (unadjusted) in active markets for identical assets or liabilities that we have the ability to access at the measurement date. The types of financial instruments included in level 1 are highly liquid instruments with quoted prices.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Level 2 &#x2014; Inputs from active markets, other than quoted prices for identical instruments, are used to determine fair value. Significant inputs are directly observable from active markets for substantially the full term of the asset or liability being valued.&lt;/span&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Level 3 &#x2014; Pricing inputs significant to the valuation are unobservable. Inputs are developed based on the best information available. However, significant judgment is required by us in developing the inputs.&lt;/span&gt;</us-gaap:FairValueOfFinancialInstrumentsPolicy>
    <us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNDM5ODA0NjY1MDYzMA_9f7b0f20-19c7-40ea-90c1-64c6f950b4aa">&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Loan Interest Income&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For all loans, including impaired loans (regardless of the delinquency status of the impaired loans), classified as held for investment, we recognize interest income as earned, adjusted for the amortization of deferred direct origination and acquisition costs. Deferred fees or costs are required to be recognized as yield adjustments over the life of the related loans and are recognized by the interest method. The objective of the interest method is to arrive at periodic interest income (including recognition of fees and costs) at a constant effective yield on the net investment in the receivable (i.e., the principal amount of the receivable adjusted by unamortized fees or costs, purchase premium or discount, and any hedging activity&#x2014;these unamortized costs will collectively be referred to as &#x201c;basis adjustments&#x201d;). The difference between the periodic interest income so determined and the interest income determined by applying the stated interest rate to the outstanding principal amount of the receivable is the amount of periodic amortization of deferred direct origination and acquisition costs. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For the amortization of the basis adjustments, we determine the constant effective yield necessary to apply the interest method based upon the contractual terms of the loan contract, with no consideration given to expected prepayments. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For fixed-rate loans, when a prepayment occurs the unamortized balance of the basis adjustments is adjusted so that future amortization (based upon the contractual terms of the loan) will result in a constant effective yield equal to the original effective interest rate. Prepayments do not result in a change in the effective interest rate of the loan. We determine the contractual payments on a pool basis; as such, when a prepayment occurs, future contractual payments will be determined assuming the pool will make smaller payments through the original term of the contract. The adjustment to the unamortized basis adjustment balance is recorded in interest income.   &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For variable-rate loans, the effective interest rate at the time of origination is the loan&#x2019;s effective interest rate assuming all future contractual payments. The effective interest rate remains the same for that loan until the loan rate changes.  If there is no prepayment and no change in the stated interest rate, the periodic amortization of the basis adjustments is equal to the difference between the effective interest rate multiplied by the book basis and the contractual interest due. We determine the contractual payments on a pool basis; as such, when a prepayment occurs, future contractual payments will be determined assuming the pool will make smaller payments through the original term of the contract. The adjustment to the unamortized basis adjustment balance is recorded in interest income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When the interest rate on a variable-rate loan changes, the effective interest rate is recalculated using the same methodology described in the previous paragraph; however, the future contractual payments are changed to reflect the new interest rate. There is no forecasting of future expected changes in interest rates.  The accounting basis used to determine the effective interest rate of the cash flows is equal to the balances of the unpaid principal balance and unamortized basis adjustments at the time of the rate change.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We also pay to the U.S. Department of Education (the &#x201c;DOE&#x201d;) an annual 105 basis point Consolidation Loan Rebate Fee on FFELP consolidation loans, which is netted against loan interest income. Additionally, interest earned on education loans reflects potential non-payment adjustments in accordance with our uncollectible interest recognition policy. We do not amortize any adjustments to the basis of loans when they are classified as held-for-sale.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;With the adoption of CECL on January 1, 2020, we continue to analyze the collectability of accrued interest associated with loans not currently in full principal and interest repayment status or interest-only repayment status as discussed above; however, we have changed the recognition of the allowance for this portion of uncollectible interest (amounts to be capitalized after separation from school and the expiration of the grace period) to the provisions for credit losses from our historical practice of recording it as a reduction of interest income, as well as classifying this allowance as part of our allowance for credit losses as opposed to our historical practice of recording it as a reduction of accrued interest income receivable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The allowance for the portion of uncollectible interest on loans making full interest payments will continue to be recorded as a reduction of interest income. As we maintain an allowance for uncollectible interest on loans making full interest payments and an allowance for credit losses for the interest on loans where all, or a portion of the interest, will be capitalized in the future, we do not place loans in nonaccrual status prior to charge-off. At December 31, 2021 and 2020, we had no loans in nonaccrual status.&lt;/span&gt;&lt;/div&gt;We recognize certain fee income (primarily late fees) on all loans when earned according to the contractual provisions of the promissory notes, as well as our expectation of collectability. Fee income is recorded when earned in &#x201c;other non-interest income&#x201d; in the accompanying consolidated statements of income.</us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy>
    <slm:ConstantPrepaymentFeeVariableRate
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      unitRef="number">0.0105</slm:ConstantPrepaymentFeeVariableRate>
    <slm:LoansinNonaccrualStatus
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      unitRef="usd">0</slm:LoansinNonaccrualStatus>
    <slm:LoansinNonaccrualStatus
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      unitRef="usd">0</slm:LoansinNonaccrualStatus>
    <us-gaap:InterestExpensePolicyTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NDI_144625c0-dcb4-421c-bb3d-3a6909e269e6">Interest ExpenseInterest expense is based upon contractual interest rates adjusted for the amortization of issuance costs. We incur interest expense on interest-bearing deposits comprised of non-maturity savings deposits, brokered and retail CDs, and brokered and retail MMDAs, as well as on unsecured and secured financings. &#160;Interest expense is recognized when amounts are contractually due to deposit and debt holders and is adjusted for net payments/receipts related to interest rate swap agreements that qualify and are designated hedges of interest-bearing liabilities. &#160;Interest expense also includes the amortization of deferred gains and losses on closed hedge transactions that qualified as hedges.  Amortization of debt issuance costs, premiums, discounts, and terminated hedge-basis adjustments are recognized using the effective interest rate method. We incur certain fees related to our Private Education Loan multi-lender secured borrowing facility (the &#x201c;Secured Borrowing Facility&#x201d;), including an unused Secured Borrowing Facility fee, and also incur fees related to our term asset-backed securities (&#x201c;ABS&#x201d;). These fees are included in interest expense.</us-gaap:InterestExpensePolicyTextBlock>
    <us-gaap:TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2NTk_6c0c1be4-6aca-4e36-9b48-1c046b140ee7">Gains on Sale of Loans, NetWe may participate and sell loans to third-parties and affiliates, including entities that were related parties prior to the Spin-Off. These sales may occur through whole loan sales or securitization transactions that qualify for sales treatment.  If a transfer of loans qualifies as a sale, we derecognize the loan and recognize a gain or loss as the difference between the carry basis of the loan sold and liabilities retained and the compensation received. We recognize the results of a transfer of loans based upon the settlement date of the transaction. These loans were initially recorded as held for investment and were transferred to held-for-sale immediately prior to sale or securitization.</us-gaap:TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy>
    <us-gaap:GainLossOnSaleOfNotesReceivable
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNDc1OTE_e02bee87-b285-4079-89d2-75afff808d92"
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    <slm:OtherIncomePolicyPolicyTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2Mzg_8b59499d-77ef-4f49-9de4-644045d4daf0">&lt;div style="margin-top:6pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Other Income &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Included in other income are late fees on both Private Education Loans and FFELP Loans, which we recognize when the cash has been received, fees related to our Credit Card program, income for servicing private student loans for third-parties, and changes to our tax indemnification receivable from Navient.&lt;/span&gt;&lt;/div&gt;Our former Upromise subsidiary had a number of programs that encouraged consumers to save for the cost of college education. We had established a consumer savings network, which was designed to promote college savings by consumers who were members of this program by encouraging them to purchase goods and services from the merchants that participated in the program. Participating merchants generally paid Upromise fees based on member purchase volume, either online or in stores, depending on the contractual arrangement with the merchant. We recognized revenue as marketing and administrative services were rendered, based upon contractually determined rates and member purchase volumes. On May 31, 2020, we sold our Upromise subsidiary to a third party, resulting in the loss of revenue from that business for the second half of 2020.</slm:OtherIncomePolicyPolicyTextBlock>
    <us-gaap:TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk3MDc_4e126e07-3bc8-49be-a6f5-8bd9346d5611">&lt;div style="margin-top:6pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Securitization Accounting&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our securitization transactions use a two-step structure with a special purpose entity VIE that legally isolates the transferred assets from us in the event of bankruptcy or receivership. Transactions receiving sale treatment are also structured to ensure that the holders of the beneficial interests issued are not constrained from pledging or exchanging their interests, and that we do not maintain effective control over the transferred assets. If these criteria are not met, then the transaction is accounted for as an on-balance sheet secured borrowing. If a securitization qualifies as a sale, we then assess whether we are the primary beneficiary of the securitization trust and are required to consolidate such trust. We are considered the primary beneficiary if we have both: (i) the power to direct the activities of the VIE that most significantly impact the VIE&#x2019;s economic performance; and (ii) the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE. There can be considerable judgment as it relates to determining the primary beneficiary of the VIEs. There are no &#x201c;bright line&#x201d; tests. Rather, the assessment of who has the power to direct the activities of the VIE that most significantly affect the VIE&#x2019;s economic performance and who has the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE can be very qualitative and judgmental in nature. If we are the primary beneficiary, then no gain or loss is recognized.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We have determined that as the servicer of Sallie Mae securitization trusts, we meet the first primary beneficiary criterion because we have the power to direct the activities of the VIE that most significantly impact the VIE&#x2019;s economic performance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Irrespective of whether a securitization receives sale or on-balance sheet treatment, our continuing involvement with our securitization trusts is generally limited to:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Owning the equity certificates of certain trusts;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;The servicing of the student loan assets within the securitization trusts, on both a pre- and post-default basis;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Our acting as administrator for the securitization transactions we sponsored;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Our responsibilities relative to representation and warranty violations; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;The option to exercise the clean-up call and purchase the student loans from the trust when the pool balance is 10 percent or less of the original pool balance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In 2021 and 2020, we executed several secured financing transactions. Based upon our relationships with these securitizations, we believe the consolidation assessment is straightforward.  We consolidated our secured financing transactions because either we did not meet the accounting criterion for sales treatment or we determined we were the primary beneficiary of the VIE because we retained (i) the residual interest in the securitization and therefore had the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE, as well as (ii) the power to direct the activities of the VIE in our role as servicer. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The investors in our securitization trusts have no recourse to our other assets should there be a failure of the trust to pay when due. Generally, the only recourse the securitization trusts have to us is in the event we breach a seller representation or warranty or our duties as master servicer and servicer, in which event we are obligated to repurchase the related loans from the trust. &lt;/span&gt;&lt;/div&gt;From time to time, we also engage in certain transactions that are not consolidated on our balance sheet due to the transaction having met the criterion for sales treatment. In these transactions, we remove loans from our consolidated balance sheet and recognize any assets retained and liabilities assumed at fair value, and record a gain or loss on the transferred loans. Our continuing involvement in these securitization transactions mainly consists of acting as the primary servicer and holding certain retained interests. We provide additional information regarding these types of activities in Note 11, &#x201c;Borrowings &#x2014; Unconsolidated VIEs.&#x201d;</us-gaap:TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy>
    <slm:VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance
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    <us-gaap:DerivativesPolicyTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF85Ny9mcmFnOjVlZTVjYzRkNGFmODRlZjViMjhlNWVjNWRhMmQzODY4L3RleHRyZWdpb246NWVlNWNjNGQ0YWY4NGVmNWIyOGU1ZWM1ZGEyZDM4NjhfNjk2MzM_1280769f-172a-41a9-9ed0-1fa03fce6336">&lt;div style="margin-top:6pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Derivative Accounting&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We account for our derivatives, consisting of interest rate swaps, at fair value on the consolidated balance sheets as either an asset or liability. Derivative positions are recorded as net positions by counterparty based on master netting arrangements (see Note 12, &#x201c;Derivative Financial Instruments&#x201d;), exclusive of accrued interest and cash collateral held or pledged. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the &#x201c;Dodd-Frank Act&#x201d;) requires all standardized derivatives, including most interest rate swaps, to be submitted for clearing to central counterparties to reduce counterparty risk.  Two of the central counterparties we use are the Chicago Mercantile Exchange (the &#x201c;CME&#x201d;) and the London Clearing House (the &#x201c;LCH&#x201d;). All variation margin payments on derivatives cleared through the CME and LCH are accounted for as legal settlement. As of December&#160;31, 2021, $5.2 billion notional of our derivative contracts were cleared on the CME and $0.3 billion were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent 94.4 percent and 5.6 percent, respectively, of our total notional derivative contracts of $5.5 billion at December&#160;31, 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For derivatives cleared through the CME and LCH, the net gain (loss) position includes the variation margin amounts as settlement of the derivative and not collateral against the fair value of the derivative. The amount of variation margin included as settlement as of December 31, 2021 was $(72) million and $8 million for the CME and LCH, respectively. Changes in fair value for derivatives not designated as hedging instruments are presented as realized gains (losses). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We determine the fair value for our derivative contracts primarily using pricing models that consider current market conditions and the contractual terms of the derivative contracts. These pricing models consider interest rates, time value, forward interest rate curves, and volatility factors. Inputs are generally from active financial markets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The accounting for derivative instruments requires that every derivative instrument, including certain derivative instruments embedded in other contracts, be recorded on the balance sheet as either an asset or liability measured at fair value. Our derivative instruments are classified and accounted for by us as fair value hedges, cash flow hedges, and trading hedges. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:1pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Each derivative is designated to a specific (or pool of) liability(ies) on the consolidated balance sheets, and is designated as either a &#x201c;fair value&#x201d; hedge or a &#x201c;cash flow&#x201d; hedge. Fair value hedges are designed to hedge our exposure to the changes in fair value of a fixed-rate liability. For effective fair value hedges, both the hedge and the hedged item (for the risk being hedged) are recorded at fair value with any difference reflecting ineffectiveness recorded immediately in the consolidated statements of income. Cash flow hedges are designed to hedge our exposure to variability in cash flows related to variable-rate deposits. The assessment of the hedge&#x2019;s effectiveness is performed at inception and on an ongoing basis, using regression testing. For hedges of a pool of liabilities, tests are performed to demonstrate the similarity of individual instruments of the pool. When it is determined that a derivative is not currently an effective hedge, ineffectiveness is recognized for the full change in fair value of the derivative with no offsetting amount from the hedged item since the last time it was effective. If it is also determined the hedge will not be effective in the future, we discontinue the hedge accounting prospectively and begin amortization of any basis adjustments that exist related to the hedged item.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On March 12, 2020, the FASB issued ASU No. 2020-04, &#x201c;Reference Rate Reform (&#x201c;Topic 848&#x201d;): Facilitation of the Effects of Reference Rate Reform on Financial Reporting.&#x201d; On January 7, 2021, the FASB issued ASU No. 2021-01, &#x201c;Reference Rate Reform (&#x201c;Topic 848&#x201d;): Scope&#x201d; that clarified the scope of Topic 848. Topic 848 contains temporary optional expedients and exceptions for applying GAAP to contract modifications, hedging relationships, and other transactions affected by reference rate reform. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our derivative portfolio is made up of interest rate swaps that are centrally cleared through either the CME or the LCH. On October 16, 2020, both the CME and the LCH changed the price alignment interest and discount rate applied when valuing these transactions to the Secured Overnight Financing rate (&#x201c;SOFR&#x201d;). The ISDA 2020 LIBOR Fallbacks Protocol (the &#x201c;ISDA Fallback Protocol&#x201d;) was made available for adherence on October 23, 2020, with an effective date of January 25, 2021. Once adhered to by both counterparties in a bilateral relationship and the effective date is reached, the ISDA Fallback Protocol represents a change to the contractual terms of derivatives governed by each respective ISDA agreement between the Company and a derivative counterparty. We have elected the option provided in Topic 848 to not reassess previous accounting determinations as well as the option to not dedesignate a hedging relationship due to a current or future change in a critical or contractual term related to reference rate reform, including changes in the discount rate. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As our liabilities may begin to use alternatives to LIBOR before LIBOR is no longer published, for cash flow hedges of forecasted LIBOR based payments, we have elected the expedient offered in Topic 848 to disregard the potential change in the designated hedged interest rate risk that may occur because of reference rate reform when we assesses whether the hedged forecasted transactions are probable, in accordance with the requirements of &#x201c;Derivatives and Hedging&#x201d; Topic 815. We have also elected the expedient provided by Topic 848 to assume the reference rate will not be replaced for the remainder of the hedging relationship when assessing hedge effectiveness.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Topic 848 allows for different elections to be made at different points in time. We intend to reassess our elections of optional expedients and exceptions included within Topic 848 when changes or additions are necessary.&lt;/span&gt;&lt;/div&gt;</us-gaap:DerivativesPolicyTextBlock>
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    <us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzM4NDgyOTA3MjkyMDY_b7648d37-a73b-4c0a-b978-2f28c528a5a1">Investments  &lt;div style="margin-top:14pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Trading Investments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We periodically sell Private Education Loans through securitization transactions where we were required to retain a five percent vertical risk retention interest (i.e., five percent of each class issued in the securitizations). We classify those vertical risk retention interests related to the transactions as available-for-sale investments, except for the interest in the &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;residual classes, which we classify as trading investments recorded at fair value with changes recorded through earnings. At December 31, 2021 and 2020, we had $37&#160;million and $17 million, respectively, classified as trading investments. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Available-for-Sale Investments &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The amortized cost and fair value of securities available for sale are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:80.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:32.059%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.056%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.573%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.668%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.531%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.531%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.668%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.531%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.015%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.274%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Amortized Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for credit losses&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Available for sale:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;376,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(7,073)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;371,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,961&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;U.S. government-sponsored enterprises and Treasuries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,958,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(11,893)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,947,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;193,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,563)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;192,245&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,535,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(20,529)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,517,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2020&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Amortized Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for credit losses&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Available for sale:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;308,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(134)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;314,874&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,567&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;U.S. government-sponsored enterprises and Treasuries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,596,890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,600,285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;68,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(351)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;68,908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,986,957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(485)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,996,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:81pt;padding-right:45pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;  Represents the amount of impairment that has resulted from credit-related factors and that was recognized in the consolidated balance sheets (as a credit loss expense on available-for-sale securities). The amount excludes unrealized losses related to non-credit factors.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the amount of gross unrealized losses for our available-for-sale securities and the estimated fair value for securities having gross unrealized loss positions, categorized by length of time the securities have been in an unrealized loss position:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.638%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:31.883%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.549%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.944%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.549%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.844%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.549%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.944%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.549%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.944%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.549%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.944%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.549%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.303%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Less than 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;12 months or more&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2021:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(5,534)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;261,404&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,540)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;36,587&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(7,074)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;297,991&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;U.S. government-sponsored enterprises and Treasuries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(11,892)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,199,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(11,892)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,199,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,563)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;132,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,563)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;132,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(18,989)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,593,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,540)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;36,587&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(20,529)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,630,242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2020:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(134)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;46,011&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(134)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;46,011&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;U.S. government-sponsored enterprises and Treasuries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(351)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;30,441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(351)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;30,441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(485)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;76,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(485)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;76,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt;As of December&#160;31, 2021 and 2020, 60 of 180 and 14 of 163, respectively, of our available-for-sale securities were in an unrealized loss position. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%"&gt;Impairment&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt;For available-for-sale securities in an unrealized loss position, we first assess whether we intend to sell, or it is more likely than not that we will be required to sell, the security before recovery of its amortized cost basis. If either of these criteria is met, the security&#x2019;s amortized cost basis is written down to fair value through income. For securities in an unrealized loss position that do not meet these criteria, we evaluate whether the decline in fair value has resulted from credit loss or other factors. In making this assessment, we consider the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, adverse conditions specifically related to the security, as well as any guarantees (e.g., guarantees by the U.S. Government) that may be applicable to the security. If this assessment indicates a credit loss exists, the credit-related portion of the loss is recorded as an allowance for losses on the security. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt;Our investment portfolio contains mortgage-backed securities issued by Ginnie Mae, Fannie Mae, and Freddie Mac, as well as Utah Housing Corporation bonds. We own these securities to meet our requirements under the Community Reinvestment Act (&#x201c;CRA&#x201d;). We also invest in other U.S. government-sponsored enterprise securities issued by the Federal Home Loan Banks, Freddie Mac, and the Federal Farm Credit Bank. Our mortgage-backed securities that were issued under Ginnie Mae programs carry a full faith and credit guarantee from the U.S. Government. The remaining mortgage-backed securities in a net loss position carry a principal and interest guarantee by Fannie Mae or Freddie Mac, respectively. Our Treasury and other U.S. government-sponsored enterprise bonds are rated Aaa by Moody&#x2019;s Investors Service or AA+ by Standard and Poor&#x2019;s. The decline in value from December 31, 2020 to December 31, 2021 was driven by the current interest rate environment and is not credit related. We have the intent and ability to hold these bonds for a period of time sufficient for the market price to recover to at least the adjusted amortized cost of the security. Based on this qualitative analysis, we have determined that no credit impairment exists.    &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt;We periodically sell Private Education Loans through securitization transactions where we are required to retain a five percent vertical risk retention interest. We classify the non-residual vertical risk retention interests as available-for-sale investments. We have the intent and ability to hold each of these bonds for a period of time sufficient for the market price to recover to at least the adjusted amortized cost of the security. We expect to receive all contractual cash flows related to these investments and do not consider a credit impairment to exist.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December&#160;31, 2021, the amortized cost and fair value of securities, by contractual maturities, are summarized below. Contractual maturities versus actual maturities may differ due to the effect of prepayments. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:41.111%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:46.197%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:23.224%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:2.954%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:23.225%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year of Maturity &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Amortized Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;850,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;850,326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;162,617&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;162,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;398,583&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;394,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;547,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;540,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2038&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;74&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2039&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2043&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2044&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2045&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2046&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,629&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2047&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2048&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,961&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,025&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,828&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,458&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2050&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;134,707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;131,063&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2051&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;178,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;174,853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2053&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;141,251&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;140,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2054&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;52,118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;51,985&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,535,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,517,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Some of the mortgage-backed securities and a portion of the government securities have been pledged to the FRB as collateral against any advances and accrued interest under the Primary Credit lending program sponsored by the FRB. We had $888 million and $815&#160;million par value of securities pledged to this borrowing facility at December&#160;31, 2021 and 2020, respectively, as discussed further in Note 11, &#x201c;Borrowings.&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%"&gt;Other Investments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%"&gt;Investments in Non-Marketable Securities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We hold investments in non-marketable securities and account for these investments at cost, less impairment, plus or minus observable price changes of identical or similar securities of the same issuer. Changes in market value are recorded through earnings. Because these are non-marketable securities, we use observable price changes of identical or similar securities of the same issuer in determining any changes in the value of the securities. In the second quarter of 2021, we funded an additional investment, as part of a larger equity raise, in an issuer whose equity securities we purchased in the past. We used the valuation associated with the more recent equity raise to adjust the valuation of our previous investments, and, as a result, recorded a gain of $35&#160;million on our earlier equity securities investments. In the third quarter of 2019, we also funded an additional investment and, as a result, recorded a gain of $8 million on our earlier equity securities investments. These gains were recorded in &#x201c;other income&#x201d; in the consolidated statements of income in 2021 and 2019. At December 31, 2021 and December 31, 2020, our total investment in the securities of this issuer was $69&#160;million and $26 million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%"&gt;Low Income Housing Tax Credit Investments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We invest in affordable housing projects that qualify for the LIHTC, which is designed to promote private development of low income housing. We recognized $7 million, $6 million, and $6 million of tax credits and other tax benefits associated with investments in affordable housing projects within income tax expense for the years ended December 31, 2021, 2020, and 2019, respectively. The amount of amortization of such investments reported in income tax expense was $6 million, $5&#160;million, and $4 million for the years ended December 31, 2021, 2020, and 2019, respectively. Total carrying value of the LIHTC investments was $68 million at December 31, 2021 and $54 million at December 31, 2020. We are periodically required to provide additional financial support during the investment period. Our liability for these unfunded commitments was $30&#160;million at December 31, 2021 and $19 million at December 31, 2020.&lt;/span&gt;&lt;/div&gt;</us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock>
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0XzEwOTk1MTE2MzU4Nzc_3a1498eb-f9a7-4ebe-b75f-d57573aff0eb"
      unitRef="usd">17000000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDMvZnJhZzpmNTg1MjIzZjUwNzA0NTNmYjE4MzhhNTY3NWZiZTI0NC90ZXh0cmVnaW9uOmY1ODUyMjNmNTA3MDQ1M2ZiMTgzOGE1Njc1ZmJlMjQ0Xzc3Nzk_4d69a7a8-aa42-4bb7-8d7f-3bbaf8954458">&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The amortized cost and fair value of securities available for sale are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:80.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:32.059%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.056%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.573%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.668%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.531%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.531%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.668%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.531%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.015%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.274%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Amortized Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for credit losses&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Available for sale:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;376,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(7,073)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;371,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,961&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;U.S. government-sponsored enterprises and Treasuries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,958,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(11,893)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,947,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;193,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,563)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;192,245&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,535,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(20,529)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,517,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2020&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Amortized Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for credit losses&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Available for sale:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;308,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(134)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;314,874&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,567&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;U.S. government-sponsored enterprises and Treasuries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,596,890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,600,285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;68,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(351)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;68,908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,986,957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span 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style="width:1.0%"/&gt;&lt;td style="width:31.883%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.549%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.944%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.549%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.844%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.549%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.944%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.549%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.944%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.549%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.944%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.549%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.303%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Less than 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;12 months or more&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gross Unrealized Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2021:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(5,534)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;261,404&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,540)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;36,587&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(7,074)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;297,991&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;U.S. government-sponsored enterprises and Treasuries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(11,892)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,199,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(11,892)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,199,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,563)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;132,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,563)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;132,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(18,989)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,593,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,540)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;36,587&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(20,529)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,630,242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2020:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(134)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;46,011&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(134)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;46,011&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;U.S. government-sponsored enterprises and Treasuries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(351)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;30,441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(351)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;30,441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(485)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;76,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(485)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;76,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock>
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Contractual maturities versus actual maturities may differ due to the effect of prepayments. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:41.111%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:46.197%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:23.224%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:2.954%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:23.225%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year of Maturity &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Amortized Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;850,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;850,326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;162,617&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;162,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;398,583&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;394,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;547,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;540,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2038&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;74&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2039&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2043&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2044&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2045&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2046&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,629&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2047&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2048&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,961&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,025&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2049&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,828&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,458&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2050&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;134,707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;131,063&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2051&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;178,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;174,853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2053&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;141,251&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;140,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" 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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE4MTk1_6b871c12-491a-492a-bcef-c0d3a85b1119">Loans Held for Investment&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loans held for investment consist of Private Education Loans, FFELP Loans, and Credit Cards. We use &#x201c;Personal Loans&#x201d; to mean those unsecured loans to individuals that may be used for non-educational purposes. We sold our entire Personal Loan portfolio in the third quarter of 2020.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our Private Education Loans are made largely to bridge the gap between the cost of higher education and the amount funded through financial aid, government loans, and customers&#x2019; resources. Private Education Loans bear the full credit risk of the customer. We manage this risk through risk-performance underwriting strategies and qualified cosigners. Private Education Loans may be fixed-rate or may carry a variable interest rate indexed to LIBOR, the London interbank offered rate, or SOFR, the Secured Overnight Financing Rate. As of December&#160;31, 2021 and 2020, 52.1 percent and 55 percent, respectively, of all of our Private Education Loans were indexed to LIBOR or SOFR. We provide incentives for customers to include a cosigner on the loan, and the vast majority of Private Education Loans in our portfolio are cosigned. We also encourage customers to make payments while in school. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;FFELP Loans are insured as to their principal and accrued interest in the event of default, subject to a risk-sharing level based on the date of loan disbursement. These insurance obligations are supported by contractual rights against the United States. For loans disbursed on or after July 1, 2006, we receive 97 percent reimbursement on all qualifying claims. For loans disbursed after October 1, 1993, and before July 1, 2006, we receive 98 percent reimbursement on all qualifying claims. For loans disbursed prior to October 1, 1993, we receive 100 percent reimbursement on all qualifying claims.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In the third quarter of 2020, we sold our entire Personal Loan portfolio, including $697&#160;million of principal and $7&#160;million in accrued interest, which resulted in a $43&#160;million reduction to our provision for credit losses in that period. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In 2020, we recognized $238&#160;million gains from the sale of approximately $3.1&#160;billion of our Private Education Loans, including $2.9&#160;billion of principal and $199&#160;million in capitalized interest, to unaffiliated third-parties. In 2021, we recognized $548&#160;million gains from the sale of approximately $4.24&#160;billion of our Private Education Loans, including $3.98&#160;billion of principal and $264&#160;million in capitalized interest, to unaffiliated third-parties. There were VIEs created in the execution of certain of these loan sales; however, based on our consolidation analysis, we are not the primary beneficiary of these VIEs. These transactions qualified for sale treatment and removed the balance of the loans from our balance sheet on the respective settlement dates. We remained the servicer of these loans pursuant to applicable servicing agreements executed in connection with the sales. For additional information, see Notes to Consolidated Financial Statements, Note 11, &#x201c;Borrowings - Unconsolidated VIEs.&#x201d;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loans held for investment are summarized as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:57.344%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.911%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.455%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.911%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.679%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Private Education Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Fixed-rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,920,547&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,950,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Variable-rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,796,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,779,121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deferred origination costs and unamortized premium/ (discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;67,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;63,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,158,977)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,355,844)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,625,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,436,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;FFELP Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;695,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;737,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deferred origination costs and unamortized premium/ (discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,077)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,378)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total FFELP Loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;735,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Credit Cards (fixed-rate)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;25,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deferred origination costs and unamortized premium/ (discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(2,281)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,501)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Credit Cards, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Loans held for investment, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,341,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,183,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The estimated weighted average life of education loans in our portfolio was approximately 4.7 years and 5.4 years at December&#160;31, 2021 and 2020, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The average balance and the respective weighted average interest rates of loans in our portfolio are summarized as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:26.201%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.069%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.757%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.593%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.058%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.593%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.439%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.593%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.582%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.593%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.439%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.593%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.590%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Years ended December 31, (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Weighted Average Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Weighted Average Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Weighted Average Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,968,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,426,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,225,473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9.32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;FFELP Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;718,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;757,953&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;814,198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Personal Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;582,552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12.43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,141,503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12.09&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(6.04)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21,701,229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;23,776,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;24,181,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Certain Collection Tools &#x2014; Private Education Loans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations and achieve better student outcomes, and increase the collectability of the loan. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. Forbearance is granted prospectively for borrowers who are current in their payments and may be granted retroactively for certain delinquent borrowers.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Forbearance allows a borrower to not make scheduled payments for a specified period of time. Using forbearance extends the original term of the loan by the term of forbearance taken. Forbearance does not grant any reduction in the total principal or interest repayment obligation. While a loan is in forbearance status, interest continues to accrue and is capitalized (added to principal) at the end of the forbearance. Interest will not capitalize at the end of certain types of forbearance, such as disaster forbearance, however.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;We grant forbearance through our servicing centers to borrowers who are current in their payments and through our collections centers to certain borrowers who are delinquent. Our forbearance policies and practices vary depending upon whether a borrower is current or delinquent at the time forbearance is requested, generally with stricter payment requirements for delinquent borrowers. We view the population of borrowers that use forbearance positively because the borrowers are either proactively reaching out to us to obtain assistance in managing their obligations or are working with our collections center to bring their loans current.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Forbearance may be granted through our servicing centers to customers who are exiting their grace period, and to other customers who are current in their payments, to provide temporary payment relief. In these circumstances, a customer&#x2019;s loan is placed into a forbearance status in limited monthly increments and is reflected in the forbearance status at month-end during this time. At the end of the forbearance period, the customer will enter repayment status as current and is expected to begin making scheduled monthly payments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Forbearance may also be granted through our collections centers to customers who are delinquent in their payments. If specific payment requirements are met, the forbearance can cure the delinquency and the customer is returned to a current repayment status. Forbearance as a collection tool is used most effectively when applying historical experience and our judgment to a customer&#x2019;s unique situation. We leverage updated customer information and other decision support tools to best determine who will be granted forbearance based on our expectations as to a customer&#x2019;s ability and willingness to repay their obligation. This strategy is aimed at assisting customers while mitigating the risks of delinquency and default as well as encouraging resolution of delinquent loans. In most instances, we require one payment, as an indication of a customer&#x2019;s willingness and ability to repay, before granting forbearance to delinquent borrowers.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;Historically, we have utilized disaster forbearance to assist borrowers affected by material events, including hurricanes, wildfires, floods, and the COVID-19 pandemic. We typically grant disaster forbearance to affected borrowers in increments of up to three months at a time, but the disaster forbearance granted generally does not apply toward the 12-month forbearance limit described below.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;During COVID-19, our customers experienced higher levels of financial hardship, which initially led to higher levels of forbearance. We expect for some customers financial hardship may lead to higher levels of delinquencies and defaults in the future, as borrowers who had received disaster forbearance from us re-enter repayment status. Beginning in June 2021, we stopped granting disaster forbearance in response to the COVID-19 pandemic. As borrowers in the various delinquency buckets exit disaster forbearance and begin to enter repayment, we expect elevated levels of losses on this segment of our customers. We expect that, left unabated, this deterioration in delinquency and default rates may persist until economic conditions return to pre-pandemic levels.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Management continually monitors our credit administration practices and may periodically modify these practices based upon performance, industry conventions, and/or regulatory feedback. In light of these considerations, we previously announced certain planned changes to our credit administration practices, including the imposition of limits on the number of forbearance months granted consecutively and the number of times certain extended or reduced repayment alternatives may be granted.  Prior to implementation of the previously announced changes, borrowers could receive consecutive forbearance grants without intervening payments of principal and interest, if they satisfied all eligibility requirements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;We commenced testing in October 2019 for some of the previously announced planned changes on a very small percentage of our total portfolio and in March 2020 we began to expand the number of borrowers who would be subject to the new credit administration practices. However, due to the COVID-19 pandemic, in April 2020 we postponed our efforts so that we could be more flexible in dealing with our customers&#x2019; financial hardship. In October 2020, we re-initiated a multi-phased deployment of certain previously announced credit administration practices changes. In October 2021, we announced additional planned changes to our credit administration practices, which we implemented in December 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;Currently, we generally grant forbearance in increments of &lt;span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2NzAxNzY_4680ee78-12c7-4bbc-9040-f012c34bbfd8"&gt;one&lt;/span&gt; to two months at a time, for up to 12 months over the life of the loan, although disaster forbearance and certain assistance we grant to borrowers who are still in school do not apply toward the 12-month limit. We also currently require 12 months of positive payment performance by a borrower (meaning the borrower must make payment in a cumulative amount equivalent to 12 monthly required payments under the loan) between successive grants of forbearance and between forbearance grants and certain other repayment alternatives. This required period of positive payment performance does not apply, however, to forbearances granted during the first six months following a borrower&#x2019;s grace period and is not required for a borrower to receive a contractual interest rate reduction. In addition, we currently limit the participation of delinquent borrowers in certain short-term extended or interest-only repayment alternatives to once in 12 months and twice in five years. We also now count the number of months a borrower receives a short-term extended repayment alternative toward the 12-month forbearance limit described above.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;We also offer rate and term modifications to customers experiencing more severe hardship. Currently, we temporarily reduce the contractual interest rate on a loan to 4 percent for a two-year period and, in the vast majority of cases, permanently extend the final maturity date of the loan. As part of demonstrating the ability and willingness to pay, the customer must make three consecutive monthly payments at the reduced payment to qualify for the program. The combination of the rate reduction and maturity extension helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate. We currently limit the granting of a permanent extension of the final maturity date of the loan under our loan modification program to one time over the life of the loan. We also currently permit two consecutive rate reductions to 4.0 percent so long as the borrower qualifies and makes three consecutive monthly payments at the reduced payment in connection with each rate reduction. We currently require 12 months of positive payment performance after the interest rate adjusts upward to its previous rate (at the end of the rate reduction periods) before the borrower may be eligible for a forbearance or certain other repayment alternatives, however. We also now limit the number of interest rate reductions to twice over the life of the loan.  At December&#160;31, 2021 and December&#160;31, 2020, 7.2 percent and 7.8 percent, respectively, of our loans then currently in full principal and interest repayment status were subject to interest rate reductions made under our rate modification program.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;While there are limitations to our estimate of the future impact of the various credit administration practices changes we have implemented, absent the effect of any mitigating measures, we expect that the credit administration practices described above, including the changes we implemented in December 2021, will accelerate periodic defaults and could increase periodic defaults in our Private Education Loan held for investment portfolio by approximately 10.1 percent to 16.6 percent. Among the measures that we have implemented and may modify further and expect may partly offset or moderate any acceleration of or increase in defaults will be greater focus on the risk assessment process to ensure borrowers are mapped to the appropriate program, better utilization of existing loss mitigation programs (e.g., Graduated Repayment Period program (&#x201c;GRP&#x201d;) and rate modifications), and the use of a program offering short-term payment reductions (permitting interest-only payments for up to six months) for certain early-stage delinquencies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The full impact of these changes to our collections practices described above will only be realized over the long term. When we calculated the allowance for credit losses under CECL at December 31, 2021, our loan loss reserves were significantly impacted because we expect the life of loan defaults on our overall Private Education Loan portfolio to increase, in part as a result of the changes to our credit administration practices described above. We expect to learn more about how our borrowers are reacting to these changes to our credit administration practices and, as we analyze such reactions, we will continue to refine our estimates of the impact of those changes on our allowance for credit losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As discussed above, we will continue to monitor our credit administration practices and may modify them further from time to time based upon performance, industry conventions, and/or regulatory feedback. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The period of delinquency for loans is based on the number of days scheduled payments are contractually past due. As of December&#160;31, 2021 and 2020, we had $80 million and $81&#160;million, respectively, of Private Education Loans held for investment and $34 million and $36 million, respectively, of FFELP Loans held for investment which were more than 90 days delinquent that continue to accrue interest. At December&#160;31, 2021 and 2020, we had no loans in nonaccrual status.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Borrower-in-Custody Arrangements&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We maintain Borrower-in-Custody arrangements with the FRB. Under these arrangements, we can pledge FFELP Loans or Private Education Loans to the FRB to secure any advances and accrued interest generated under the Primary Credit program at the FRB. As of December&#160;31, 2021 and 2020, we had $2.9 billion and $3.3 billion, respectively, of Private Education Loans pledged to this borrowing facility, as discussed further in Note 11, &#x201c;Borrowings.&#x201d; We did not have any FFELP consolidation loans pledged at December 31, 2021 or 2020. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Loans Held for Investment by Region&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2021 and 2020, 38.4 percent and 38.8 percent, respectively,  of total education loans were concentrated in the following states: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-align:center;text-indent:22.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:36.944%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:43.636%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.679%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:24.087%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:1.907%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:24.091%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;New York&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;California&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" 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style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;New Jersey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Texas&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;38.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;38.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;No other state had a concentration of total education loans in excess of 5 percent of the aggregate outstanding education loans held for investment.&lt;/span&gt;&lt;/div&gt; Loans Held for SaleWe had no loans held for sale at December 31, 2021 and $2.9&#160;billion loans held for sale at December 31, 2020. At December 31, 2020, we reversed $206&#160;million through the provisions for credit losses for the allowance related to these loans, when the loans were transferred from held for investment to held-for-sale. For additional information on loan sales, see Note 5, &#x201c;Loans Held for Investment,&#x201d; and Note 11, &#x201c;Borrowings &#x2014; Unconsolidated VIEs.&#x201d;</us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock>
    <slm:PercentOfPrivateLoansIndexedToLIBOROrSOFR
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      decimals="-6"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzEwOTk1MTE2OTM2Mjg_ccb00cb6-b478-4ba1-bd09-7643d67911b4"
      unitRef="usd">264000000</slm:NetProceedsFromSalesOfStudentLoansHeldForSaleCapitalizedInterest>
    <slm:StudentLoanPortfolioByProgramTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMDYvZnJhZzphOGViOTJiMmU3ZjU0OGQ2YTM3MGQ2ODYwNjFlOWQwOC90ZXh0cmVnaW9uOmE4ZWI5MmIyZTdmNTQ4ZDZhMzcwZDY4NjA2MWU5ZDA4XzE4MjA5_2f5a9e2a-40c9-4994-b61f-fcfe627759c0">&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loans held for investment are summarized as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:57.344%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.911%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.455%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.911%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.679%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Private Education Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Fixed-rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,920,547&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,950,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Variable-rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,796,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,779,121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deferred origination costs and unamortized premium/ (discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;67,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;63,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,158,977)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,355,844)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,625,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,436,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;FFELP Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;695,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;737,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deferred origination costs and unamortized premium/ (discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,077)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,378)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total FFELP Loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;735,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Credit Cards (fixed-rate)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;25,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deferred origination costs and unamortized premium/ (discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(2,281)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,501)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Credit Cards, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Loans held for investment, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,341,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,183,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The estimated weighted average life of education loans in our portfolio was approximately 4.7 years and 5.4 years at December&#160;31, 2021 and 2020, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The average balance and the respective weighted average interest rates of loans in our portfolio are summarized as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:26.201%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.069%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.757%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.593%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.058%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.593%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.439%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.593%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.582%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.593%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.439%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.593%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.590%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Years ended December 31, (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Weighted Average Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Weighted Average Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Weighted Average Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,968,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,426,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,225,473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9.32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;FFELP Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;718,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;757,953&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;814,198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Personal Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 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style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:36.944%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:43.636%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.679%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:24.087%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:1.907%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:24.091%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;New York&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;California&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Pennsylvania&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;New Jersey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Texas&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;38.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;38.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;No other state had a concentration of total education loans in excess of 5 percent of the aggregate outstanding education loans held for investment.&lt;/span&gt;&lt;/div&gt;</slm:LoansheldforinvestmentbyRegionTableTextBlock>
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    <slm:PercentageofLoansconcentratedinmajorstates
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    <slm:PercentageofLoansheldinstate
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See Note 2, &#x201c;Significant Accounting Policies &#x2014; Allowance for Credit Losses - 2021 and 2020, &#x2014; Allowance for Private Education Loan Losses - 2021 and 2020, &#x2014; Allowance for FFELP Loan Losses - 2021 and 2020, &#x2014; Allowance for Credit Card Loans - 2021 and 2020, &#x2014; Allowance for Credit Losses - 2019, &#x2014; Allowance for Private Education Loan Losses - 2019, &#x2014; Allowance for FFELP Loan Losses - 2019, and &#x2014; Allowance for Credit Card Loans - 2019&#x201d; for a more detailed discussion. &lt;div style="text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Allowance for Credit Losses Metrics&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.388%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:44.340%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.559%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.559%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.553%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.559%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.994%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.559%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.456%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2021 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;FFELP&#160;&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Private&#160;Education&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Allowance for Credit Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Beginning balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;4,378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,355,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,501&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,361,723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Transfer from unfunded commitment liability&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;301,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;301,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Provisions:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Provision for current period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(233,852)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(232,708)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Loan sale reduction to provision&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(66,460)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(66,460)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Loans transferred to held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Total provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(298,425)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(297,281)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Net charge-offs:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(321)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(229,591)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(356)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(230,268)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Recoveries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;29,494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;29,506&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Net charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(321)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(200,097)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(344)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(200,762)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;4,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,158,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;2,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,165,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:100%"&gt;Allowance:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Ending balance: individually evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;47,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;47,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Ending balance: collectively evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;4,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,111,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;2,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,117,623&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:100%"&gt;Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Ending balance: individually evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,057,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,057,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Ending balance: collectively evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;695,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;19,659,198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;25,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;20,379,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Net charge-offs as a percentage of average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;0.06&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1.33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;2.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Allowance as a percentage of the ending total loan balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;0.59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;5.59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;9.12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Allowance as a percentage of the ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;0.74&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;7.47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;9.12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Allowance coverage of net charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;12.70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;5.79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;6.63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Ending total loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;695,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;25,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;545,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;15,019,869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;15,343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;553,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;15,511,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;25,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;See Note 8, &#x201c;Unfunded Loan Commitments,&#x201d; for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt; Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:45pt;text-indent:-9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:74.455%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.355%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:21.790%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Consolidated Statements of Income&lt;br/&gt;Provisions for Credit Losses Reconciliation&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2021 (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loan provisions for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Provisions for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(298,425)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Provisions for unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;264,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loan provisions for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(34,101)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Other impacts to the provisions for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;FFELP Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Provisions for credit losses reported in consolidated statements of income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(32,957)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)  &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:49.5pt;padding-right:49.5pt;text-align:center;text-indent:-9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.222%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:35.044%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.553%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.797%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.553%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.960%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.553%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.948%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.553%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.484%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.854%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.101%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2020 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;FFELP&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Private&#160;Education&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Personal&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for Credit Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Beginning balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;374,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65,877&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;441,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Day 1 adjustment for the adoption of CECL&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,060,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;79,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,143,053&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance at January 1, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,435,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;145,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,584,965&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Transfer from unfunded commitment liability&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;320,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;320,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Provisions:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Provision for current period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;148,673&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;190,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loan sale reduction to provision&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(161,793)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(42,916)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(204,709)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans transferred to held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(205,669)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(205,669)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(218,789)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2,431)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(219,480)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net charge-offs:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(519)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(205,326)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(39,079)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(119)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(245,043)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Recoveries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(519)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(181,305)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(34,095)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(216,036)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loan sales&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(108,534)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(108,534)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,355,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,501&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,361,723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;Allowance:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending balance: individually evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;104,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;104,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending balance: collectively evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,251,579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,501&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,257,458&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending balance: individually evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,274,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,274,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending balance: collectively evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;737,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18,454,747&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19,204,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net charge-offs as a percentage of average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.09&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Allowance as a percentage of the ending total loan balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12.27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Allowance as a percentage of the ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12.27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Allowance coverage of net charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12.83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending total loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;737,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;549,584&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15,518,851&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;573,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14,304,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:9pt;padding-right:36pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;      &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;See Note 8, &#x201c;Unfunded Loan Commitments,&#x201d; for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt; Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:74.455%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.355%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:21.790%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Consolidated Statements of Income&lt;br/&gt;Provisions for Credit Losses Reconciliation&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2020 (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loan provisions for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Provisions for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(218,789)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Provisions for unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;312,613&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loan provisions for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;93,824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Other impacts to the provisions for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Personal Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(2,431)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;FFELP Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(691)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Provisions for credit losses reported in consolidated statements of income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;93,133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)  &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:38.761%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.872%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.650%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.872%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.355%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.900%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.014%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2019&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;FFELP&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Private&#160;Education&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Personal&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Allowance for Credit Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Beginning balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;277,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;62,201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;341,121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total provision&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;279,570&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;72,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;353,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net charge-offs:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(822)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(208,978)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(74,313)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(284,114)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;Recoveries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;25,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;30,971&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(822)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(183,213)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(69,107)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(253,143)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;374,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;65,877&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;441,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:100%"&gt;Allowance:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Ending balance: individually evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;186,697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;186,697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Ending balance: collectively evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;187,603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;65,877&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;255,215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:100%"&gt;Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Ending balance: individually evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,581,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,581,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Ending balance: collectively evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;783,306&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21,607,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,049,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;23,443,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net charge-offs as a percentage of average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.07&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance as a percentage of the ending total loan balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance as a percentage of the ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance coverage of net charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.04&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;102.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Ending total loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;783,306&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;23,189,591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,049,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;631,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;15,605,927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,138,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;786&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;617,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,787,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,049,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Allowance for Credit Losses - Forecast Assumptions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In determining the adequacy of the allowance for credit losses, we include forecasts of college graduate unemployment and the Consumer Price Index in our loss forecasting models. We obtain forecasts for these two inputs from Moody&#x2019;s Analytics. Moody&#x2019;s Analytics provides a range of forecasts for each of these inputs with various likelihoods of occurring. We determine which forecasts we will include in our estimation of allowance for credit losses and the associated weightings for each of these inputs. At January 1, 2020 (the initial adoption date of CECL), December 31, 2020, and December 31, 2021, we used the Base (50th percentile likelihood of occurring)/S1 (stronger near-term growth scenario with 10 percent likelihood of occurring)/S3 (downside scenario with 10 percent likelihood of occurring) scenarios and weighted them 40 percent, 30 percent, and 30 percent, respectively. Management reviews both the scenarios and their respective weightings each quarter in determining the allowance for credit losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For the year ended December 31, 2021, we had negative total provisions for credit losses of $33 million. This decrease of $126&#160;million in 2021 compared with the year-ago period was primarily the result of improving economic forecasts in 2021 and faster prepayment speeds. During the first quarter of 2021, we increased our estimates of future prepayment speeds during both the two-year reasonable and supportable period as well as the remaining term of the underlying loans. These faster estimated prepayment speeds during the two-year reasonable and supportable period reflect the significant improvement in economic forecasts, as well as the implementation of an updated prepayment speed model. In the fourth quarter of 2021, we increased our long-term estimate of prepayment speeds to reflect higher long-term prepayment experience. Partially offsetting these benefits were additional provisions to reflect the adoption of our credit administration practices changes and other management overlays. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Troubled Debt Restructurings &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;All of our loans are collectively assessed for impairment, except for loans classified as TDRs (where we conduct individual assessments of impairment). We adjust the terms of loans for certain borrowers when we believe such changes will help our customers manage their student loan obligations, achieve better student outcomes, and increase the collectability of the loan. These changes generally take the form of a temporary forbearance of payments, a temporary interest rate reduction, a temporary interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment alternative. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When we give a borrower facing financial difficulty an interest rate reduction, we temporarily reduce the contractual interest rate on a loan to 4.0 percent for a two-year period and, in the vast majority of cases, permanently extend the final maturity date of the loan. The combination of these two loan term changes helps reduce the monthly payment due from the borrower and increases the likelihood the borrower will remain current during the interest rate modification period as well as when the loan returns to its original contractual interest rate.&#160;At December 31, 2021 and 2020, 7.2 percent and 7.8 percent, respectively, of our Private Education Loans held for investment then currently in full principal and interest repayment status were subject to interest rate reductions made under our rate modification program. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Once a loan qualifies for TDR status, it remains a TDR for allowance purposes for the remainder of its life. As of both December 31, 2021 and 2020, approximately 47 percent of TDRs were classified as such due to their forbearance status. See Note 2, &#x201c;Significant Accounting Policies &#x2014; Allowance for Credit Losses&#x201d; for a more detailed discussion.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Within the Private Education Loan portfolio, loans 90 days or greater past due are nonperforming. FFELP Loans are at least 97 percent guaranteed as to their principal and accrued interest by the federal government in the event of default and, therefore, we do not deem FFELP Loans as nonperforming from a credit risk perspective at any point in their life cycle prior to claim payment and continue to accrue interest on those loans through the date of claim. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December 31, 2021 and 2020, all of our TDR loans had a related allowance recorded. The following table provides the recorded investment, unpaid principal balance, and related allowance for our TDR loans. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:57.361%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:31.103%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.010%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:22.386%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.463%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:19.481%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.463%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:16.094%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Years Ended December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Unpaid Principal Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Allowance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2021:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,093,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,057,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,312,805&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,274,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;104,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;The following table provides the average recorded investment and interest income recognized for our TDR loans.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.305%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.186%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.573%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.612%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.761%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.953%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.761%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.953%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.420%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.420%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.592%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years Ended December 31, (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:30pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Interest Income Recognized&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Interest Income Recognized&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Interest Income Recognized&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,220,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;84,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,546,908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;100,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,434,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;95,507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:36pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table provides information regarding the loan status and aging of TDR loans. For the periods presented below, we updated our delinquency bucket periods from what we reported in our 2020 Form 10-K to conform with the delinquency bucket periods defined by the Federal Financial Institutions Examination Council (&#x201c;FFIEC&#x201d;).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:86.805%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:53.940%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.600%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.420%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.600%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.380%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.360%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.420%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.600%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.380%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR loans in in-school/grace/deferment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;80,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;88,750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR loans in forbearance&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;41,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;76,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt; and percentage of each status:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loans current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;832,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;88.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;971,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;87.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-indent:9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loans delinquent 30-59 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;48,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;59,249&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-indent:9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loans delinquent 60-89 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;30,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;43,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-indent:9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loans 90 days or greater past due&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;24,561&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;34,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total TDR loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;935,920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;100.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,109,136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;100.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total TDR loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,057,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,274,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period, (but, for purposes of the table, do not include those loans while they are in forbearance). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;The period of delinquency is based on the number of days scheduled payments are contractually past due.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table provides the amount of modified loans (which include forbearance and reductions in interest rates) that became TDRs in the periods presented. Additionally, for the periods presented, the table summarizes charge-offs occurring in the TDR portfolio, as well as TDRs for which a payment default occurred in the relevant period presented and within 12 months of the loan first being designated as a TDR. We define payment default as 60 days past due for this disclosure. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-align:center;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.416%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.291%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.527%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.779%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.964%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.196%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.964%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.051%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.527%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.652%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.964%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.469%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.527%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.070%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.527%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.070%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.527%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.905%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.527%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.663%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years Ended December 31, (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:27pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Modified Loans&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Payment-Default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Modified Loans&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Payment-Default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Modified Loans&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Payment-Default&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;64,682&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,626&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;207,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;71,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;75,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;515,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;74,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;111,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:36pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)   Represents the principal balance of loans that have been modified during the period and resulted in a TDR. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:11.25pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:11.25pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Private Education Loans Held for Investment - Key Credit Quality Indicators&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;FFELP Loans are at least 97 percent guaranteed as to their principal and accrued interest in the event of default; therefore, there are no key credit quality indicators associated with FFELP Loans. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For Private Education Loans, the key credit quality indicators are FICO scores, the existence of a cosigner, the loan status, and loan seasoning. The FICO scores are assessed at original approval and periodically refreshed/updated through the loan&#x2019;s term. The following tables highlight the gross principal balance of our Private Education Loan portfolio (held for investment), by year of origination, stratified by key credit quality indicators. &lt;/span&gt;&lt;/div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.550%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.659%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.059%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.052%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.560%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Private Education Loans Held for Investment - Credit Quality Indicators&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Year of Origination&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2018&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2017&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2016 and Prior&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;% of Balance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Cosigners:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;With cosigner&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,263,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,604,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,778,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,025,463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,765,719&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,753,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;18,191,664&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Without cosigner&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;558,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;561,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;438,263&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;294,597&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;212,514&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;459,626&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,525,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,822,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,166,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,216,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,320,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,978,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,213,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;FICO at Origination&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;248,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;238,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;251,157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;193,123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;166,048&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;428,416&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,525,117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;670-699&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;508,264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;564,497&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;493,237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;363,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;329,807&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;884,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,144,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,210,833&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,348,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,057,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;770,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;660,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,753,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6,800,534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Greater than or equal to 750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,854,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,015,512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,415,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;993,172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;822,108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,146,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,247,113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,822,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,166,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,216,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,320,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,978,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,213,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;FICO Refreshed&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;326,613&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;279,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;273,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;235,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;233,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;739,268&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,087,817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;670-699&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;506,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;475,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;365,133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;256,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;209,536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;570,605&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,383,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,209,493&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,285,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;978,763&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;682,024&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;568,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,448,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6,172,753&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Greater than or equal to 750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,780,234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,126,016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,598,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,145,952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;966,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,454,836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;10,072,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,822,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,166,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,216,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,320,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,978,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,213,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Seasoning&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1-12 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,265,811&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;594,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;515,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;385,246&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;340,242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;501,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,602,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13-24 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,287,737&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;362,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;203,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;211,064&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;479,540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,544,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;25-36 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,565,203&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;312,049&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;164,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;482,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,524,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;37-48 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;983,434&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;295,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;464,563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,743,203&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;More than 48 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;671,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,726,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,397,442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Not yet in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,556,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,283,523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;773,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;435,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;296,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;559,356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,904,414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,822,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,166,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,216,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,320,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,978,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,213,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2021 Current period&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(5) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;gross charge-offs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,183)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(8,604)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(23,866)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(32,741)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(37,186)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(126,011)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(229,591)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2021 Current period&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt; recoveries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;18,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;29,494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2021 Current period&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt; net charge-offs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,148)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(8,064)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(21,774)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(29,048)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(32,736)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(107,327)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(200,097)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total accrued interest by origination vintage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;109,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;247,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;270,242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;198,816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;131,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;229,729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,187,123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="51" rowspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt"&gt;Balance represents gross Private Education Loans held for investment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt"&gt;Represents the higher credit score of the cosigner or the borrower.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt"&gt;Represents the FICO score updated as of the fourth-quarter 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt"&gt;Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was due.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt"&gt;Current period refers to period from January 1, 2021 through December 31, 2021.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="51" style="display:none"/&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="51" style="display:none"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.550%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.659%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.059%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.052%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.560%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;As of December 31, 2020 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Private Education Loans Held for Investment -  Credit Quality Indicators&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Year of Origination&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2018&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2017&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2016&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2015 and Prior&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;% of Balance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Cosigners:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;With cosigner&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,915,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,467,219&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,556,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,262,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,977,952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,198,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;17,378,282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Without cosigner&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;527,437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;559,629&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;384,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;277,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;211,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;391,449&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,351,055&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,442,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,026,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,940,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,539,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,189,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,590,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;FICO at Origination&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;195,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;290,711&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;225,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;197,948&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;162,413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;369,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,441,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;670-699&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;464,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;594,950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;441,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;407,394&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;351,303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;771,477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,031,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,111,373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,310,390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;967,802&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;846,983&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;740,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,533,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6,510,093&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Greater than or equal to 750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,671,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,830,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,306,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,087,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;935,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,915,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;8,746,807&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,442,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,026,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,940,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,539,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,189,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,590,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;FICO Refreshed&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;240,154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;331,229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;301,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;298,195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;293,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;734,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,199,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;670-699&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;438,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;493,135&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;336,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;283,906&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;231,759&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;504,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,289,210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,102,666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,248,806&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;871,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;734,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;603,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,220,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,780,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Greater than or equal to 750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,661,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,953,678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,430,084&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,223,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,061,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,130,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,460,090&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,442,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,026,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,940,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,539,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,189,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,590,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Seasoning&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1-12 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,068,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;600,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;469,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;472,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;381,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;507,343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,498,496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13-24 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,096,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;383,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;223,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;217,379&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;425,345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,346,831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;25-36 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,353,567&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;370,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;181,940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;439,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,345,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;37-48 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;965,476&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;351,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;402,552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,719,461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;More than 48 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;729,510&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,310,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,040,415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Not yet in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,374,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,330,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;733,824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;508,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;327,763&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;504,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,779,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,442,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,026,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,940,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,539,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,189,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,590,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2020 Current period&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(5) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;gross charge-offs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,087)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(10,940)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(27,000)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(35,851)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(36,416)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(94,032)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(205,326)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2020 Current period&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt; recoveries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13,200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;24,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2020 Current period&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt; net charge-offs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,045)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(10,304)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(24,726)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(32,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(32,132)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(80,832)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(181,305)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total accrued interest by origination vintage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;90,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;265,688&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;252,251&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;209,178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;141,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;210,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,168,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="51" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt"&gt;Balance represents gross Private Education Loans held for investment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt"&gt;Represents the higher credit score of the cosigner or the borrower.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt"&gt;Represents the FICO score updated as of the fourth-quarter 2020.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt"&gt;Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was due.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt"&gt;Current period refers to period from January 1, 2020 through December 31, 2020.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div style="text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Delinquencies  - Private Education Loans Held for Investment&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:11.25pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables provide information regarding the loan status of our Private Education Loans held for investment, by year of origination. Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period (but, for purposes of the following tables, do not include those loans while they are in forbearance). For the periods presented below, we updated our delinquency bucket periods from what we reported in our 2020 Form 10-K to conform with the delinquency bucket periods defined by the FFIEC.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.333%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:25.685%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.395%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.423%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.990%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.423%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.990%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.423%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.990%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.679%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.990%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.275%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.990%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.977%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.990%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.580%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Private Education Loans Held for Investment - Delinquencies by Origination Vintage&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2017&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2016 and Prior&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in-school/grace/deferment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,556,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,283,523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;773,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;435,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;296,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;559,356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,904,414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in forbearance&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;11,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;55,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;52,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;43,613&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;41,355&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;96,110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;301,237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in repayment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,234,876&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,786,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,321,728&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,772,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,570,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,319,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;15,005,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans delinquent 30-59 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;15,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;29,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;46,616&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;43,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;41,695&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;132,757&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;308,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans delinquent 60-89 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;7,441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;14,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;14,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;61,533&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;116,947&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans 90 days or greater past due&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,683&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;8,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;10,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;11,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;44,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;79,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,253,860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,826,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,390,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,840,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,640,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,557,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;15,511,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,822,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,166,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,216,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,320,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,978,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,213,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans deferred origination costs and unamortized premium/(discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;22,169&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;67,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,844,530&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,182,350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,226,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,325,978&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,982,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,222,572&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20,784,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans allowance for losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(248,102)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(239,507)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(195,223)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(129,678)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(99,982)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(246,485)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,158,977)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Private Education Loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,596,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,942,843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,030,877&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,196,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,882,839&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,976,087&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,625,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Percentage of Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;59.0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;67.9 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;74.3 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;79.3 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;82.9 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;87.4 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;74.9 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.8 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.4 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.9 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.7 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.3 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.3 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in forbearance as a percentage of loans in repayment and forbearance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.5 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.9 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.1 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.3 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.5 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.1 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.9 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;The period of delinquency is based on the number of days scheduled payments are contractually past due.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center;text-indent:22.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.388%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:24.836%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.808%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.952%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.952%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.952%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.952%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.952%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.952%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.718%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Private Education Loans Held for Investment -  Delinquencies by Origination Vintage&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;As of December 31, 2020 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2017&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2015 and Prior&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in-school/grace/deferment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,374,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,330,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;733,824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;508,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;327,763&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;504,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,779,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in forbearance&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;92,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;110,319&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;118,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;109,073&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;198,302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;645,476&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,043,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,573,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,045,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,850,539&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,685,572&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,701,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13,898,948&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans delinquent 30-59 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,983&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;26,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;30,771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;33,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;91,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;205,528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans delinquent 60-89 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,628&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;15,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;18,121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,064&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;55,661&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;119,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans 90 days or greater past due&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;460&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12,939&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;14,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;38,555&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;80,702&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,052,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,603,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,096,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,912,370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,752,386&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,887,180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;14,304,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,442,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,026,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,940,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,539,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,189,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,590,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans deferred origination costs and unamortized premium/(discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;21,129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;8,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;7,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;63,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,463,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,040,781&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,949,182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,546,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,194,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,597,510&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,792,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans allowance for losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(210,875)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(298,776)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(218,136)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(184,265)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(150,150)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(293,642)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,355,844)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,253,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,742,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,731,046&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,362,237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,044,793&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,303,868&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;18,436,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Percentage of Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;59.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;64.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;71.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;75.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;80.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;84.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;72.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in forbearance as a percentage of loans in repayment and forbearance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;For some students, going back to school in the fall of 2020 was not an option because of the pandemic, or for other reasons. Therefore, some students  took a &#x201c;gap year&#x201d; before returning to school. In 2020, for those students that had unexpectedly separated from school, we provided an extension of time through fall 2021 to re-enroll, before beginning their grace period that occurs prior to entering full principal and interest repayment status. At December 31, 2020, the loans in the &#x201c;in-school/grace/deferment&#x201d; category above include $401&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. At December 31, 2020, the loans in the &#x201c;in forbearance&#x201d; category above include $30&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. At December 31, 2020, the loans in the &#x201c;in repayment&#x201d; category above include $609&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. This program ended in September 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;The period of delinquency is based on the number of days scheduled payments are contractually past due.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:25.215%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.823%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.256%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.256%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.256%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.256%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.256%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.256%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.412%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Private Education Loans Held for Investment - Delinquencies by Origination Vintage&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;As of December 31, 2019 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2017&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2015&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2014 and Prior&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in-school/grace/deferment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,670,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,580,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,010,764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;635,798&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;375,585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;414,101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,687,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in forbearance&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;21,009&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;108,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;142,341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;146,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;127,799&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;168,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;714,516&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in repayment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,340,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,159,878&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,781,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,566,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,225,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,241,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,315,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans delinquent 30-59 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;11,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;26,096&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;44,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;51,656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;54,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;288,051&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans delinquent 60-89 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,087&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,527&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;17,048&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;21,161&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;24,562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;45,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;121,302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans 90 days or greater past due&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;7,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12,314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;24,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;62,666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,355,395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,199,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,850,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,651,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,317,788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,412,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,787,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,047,048&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,888,373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,003,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,433,858&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,821,172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,995,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;23,189,591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans deferred origination costs and unamortized premium/(discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;23,661&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;17,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13,843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;8,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;81,224&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,070,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,906,072&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,017,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,446,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,829,736&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,000,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;23,270,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans allowance for losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(3,013)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(19,105)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(44,858)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(71,598)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(80,974)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(154,752)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(374,300)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,067,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,886,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,972,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,374,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,748,762&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,846,056&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;22,896,515&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Percentage of Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;58.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;65.4 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;71.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;77.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;82.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;85.4 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;72.4 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.6 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.4 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.8 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in forbearance as a percentage of loans in repayment and forbearance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.9 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.3 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.8 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.7 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.1 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;The period of delinquency is based on the number of days scheduled payments are contractually past due.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;padding-right:18pt;text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Accrued Interest Receivable&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table provides information regarding accrued interest receivable on our Private Education Loans. The table also discloses the amount of accrued interest on loans 90 days and greater past due as compared to our allowance for uncollectible interest on loans making full interest payments. The majority of the total accrued interest receivable represents accrued interest on deferred loans where no payments are due while the borrower is in school and fixed-pay loans where the borrower makes a $25 monthly payment that is smaller than the interest accruing on the loan in that month. The accrued interest on these loans will be capitalized to the balance of the loans when the borrower exits the grace period after separation from school. The allowance for this portion of interest is included in our loan loss reserve. The allowance for uncollectible interest exceeds the amount of accrued interest on our 90 days past due Private Education Loan portfolio for all periods presented.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.055%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:40.048%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.996%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.321%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.996%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.321%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.996%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.322%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Accrued Interest Receivable&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total Interest&lt;br/&gt;Receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;90 Days and Greater &lt;br/&gt;Past Due&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for&lt;br/&gt;Uncollectible&lt;br/&gt;Interest&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;December 31, 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,187,123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;December 31, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,168,895&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,467&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:AllowanceForCreditLossesTextBlock>
    <us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NjQ0_31489994-7c73-4d66-9e20-7898bdbade22">&lt;div style="text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Allowance for Credit Losses Metrics&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.388%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:44.340%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.559%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.559%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.553%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.559%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.994%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.559%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.456%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2021 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;FFELP&#160;&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Private&#160;Education&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Allowance for Credit Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Beginning balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;4,378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,355,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,501&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,361,723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Transfer from unfunded commitment liability&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;301,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;301,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Provisions:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Provision for current period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(233,852)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(232,708)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Loan sale reduction to provision&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(66,460)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(66,460)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Loans transferred to held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Total provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(298,425)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(297,281)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Net charge-offs:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(321)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(229,591)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(356)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(230,268)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Recoveries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;29,494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;29,506&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Net charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(321)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(200,097)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(344)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(200,762)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;4,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,158,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;2,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,165,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:100%"&gt;Allowance:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Ending balance: individually evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;47,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;47,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Ending balance: collectively evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;4,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,111,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;2,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,117,623&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:100%"&gt;Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Ending balance: individually evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,057,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,057,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Ending balance: collectively evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;695,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;19,659,198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;25,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;20,379,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Net charge-offs as a percentage of average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;0.06&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1.33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;2.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Allowance as a percentage of the ending total loan balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;0.59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;5.59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;9.12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Allowance as a percentage of the ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;0.74&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;7.47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;9.12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Allowance coverage of net charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;12.70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;5.79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;6.63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Ending total loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;695,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;25,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;545,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;15,019,869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;15,343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;553,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;15,511,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;25,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;See Note 8, &#x201c;Unfunded Loan Commitments,&#x201d; for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt; Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:45pt;text-indent:-9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:74.455%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.355%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:21.790%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Consolidated Statements of Income&lt;br/&gt;Provisions for Credit Losses Reconciliation&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2021 (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loan provisions for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Provisions for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(298,425)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Provisions for unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;264,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loan provisions for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(34,101)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Other impacts to the provisions for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;FFELP Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Provisions for credit losses reported in consolidated statements of income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(32,957)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)  &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:49.5pt;padding-right:49.5pt;text-align:center;text-indent:-9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.222%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:35.044%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.553%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.797%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.553%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.960%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.553%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.948%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.553%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.484%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.854%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.101%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2020 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;FFELP&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Private&#160;Education&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Personal&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for Credit Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Beginning balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;374,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65,877&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;441,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Day 1 adjustment for the adoption of CECL&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,060,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;79,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,143,053&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance at January 1, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,435,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;145,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,584,965&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Transfer from unfunded commitment liability&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;320,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;320,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Provisions:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Provision for current period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;148,673&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;190,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loan sale reduction to provision&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(161,793)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(42,916)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(204,709)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans transferred to held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(205,669)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(205,669)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(218,789)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2,431)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(219,480)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net charge-offs:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(519)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(205,326)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(39,079)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(119)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(245,043)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Recoveries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(519)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(181,305)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(34,095)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(216,036)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loan sales&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(108,534)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(108,534)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,355,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,501&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,361,723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;Allowance:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending balance: individually evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;104,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;104,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending balance: collectively evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,251,579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,501&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,257,458&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending balance: individually evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,274,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,274,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending balance: collectively evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;737,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18,454,747&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19,204,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net charge-offs as a percentage of average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.09&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Allowance as a percentage of the ending total loan balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12.27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Allowance as a percentage of the ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12.27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Allowance coverage of net charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12.83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending total loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;737,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;549,584&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15,518,851&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;573,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14,304,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:9pt;padding-right:36pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;      &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;See Note 8, &#x201c;Unfunded Loan Commitments,&#x201d; for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt; Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:62.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:74.455%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.355%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:21.790%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Consolidated Statements of Income&lt;br/&gt;Provisions for Credit Losses Reconciliation&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2020 (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loan provisions for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Provisions for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(218,789)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Provisions for unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;312,613&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loan provisions for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;93,824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Other impacts to the provisions for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Personal Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(2,431)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;FFELP Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(691)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Provisions for credit losses reported in consolidated statements of income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;93,133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:40.5pt;text-align:center;text-indent:-9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)  &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:38.761%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.872%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.650%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.872%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.355%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.900%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.014%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2019&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;FFELP&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Private&#160;Education&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Personal&lt;br/&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Allowance for Credit Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Beginning balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;277,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;62,201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;341,121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total provision&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;279,570&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;72,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;353,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net charge-offs:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(822)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(208,978)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(74,313)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(284,114)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;Recoveries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;25,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;30,971&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(822)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(183,213)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(69,107)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(253,143)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;374,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;65,877&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;441,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:100%"&gt;Allowance:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Ending balance: individually evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;186,697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;186,697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Ending balance: collectively evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;187,603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;65,877&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;255,215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:100%"&gt;Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Ending balance: individually evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,581,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,581,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Ending balance: collectively evaluated for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;783,306&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21,607,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,049,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;23,443,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net charge-offs as a percentage of average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.07&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance as a percentage of the ending total loan balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance as a percentage of the ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Allowance coverage of net charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.04&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;102.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Ending total loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;783,306&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;23,189,591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,049,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;631,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;15,605,927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,138,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;786&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;617,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,787,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,049,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:31.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.&lt;/span&gt;&lt;/div&gt;The tables below summarize the activity in the allowance recorded to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#x201c;Other Liabilities&#x201d; on the consolidated balance sheets, as well as the activity in the unfunded commitments balance. &lt;div style="margin-top:9pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:528.75pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:119.50pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:54.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:10.75pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:63.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:9.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:49.75pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:9.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:66.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.00pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:54.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.00pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:66.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years ended December 31, (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:24pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Unfunded Commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Unfunded Commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Unfunded Commitments&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Beginning Balance&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;110,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,673,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,910,603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,010,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Day 1 adjustment for the adoption of CECL&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;115,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Balance at January 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;110,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,673,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;118,239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,910,603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,010,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Provision/New commitments - net&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;232,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,512,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;311,659&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,070,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,513,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other provision items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;31,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Transfer - funded loans&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(301,655)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(5,408,883)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(320,808)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(5,307,760)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(6,217)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(5,613,931)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;72,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,776,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;110,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,673,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span 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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NjI2_90dff61b-de12-45af-8e49-229d711faed6">&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December 31, 2021 and 2020, all of our TDR loans had a related allowance recorded. The following table provides the recorded investment, unpaid principal balance, and related allowance for our TDR loans. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:57.361%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:31.103%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.010%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:22.386%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.463%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:19.481%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.463%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:16.094%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Years Ended December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Unpaid Principal Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Allowance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2021:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,093,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,057,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,312,805&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,274,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;104,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ImpairedFinancingReceivablesTableTextBlock>
    <us-gaap:ImpairedFinancingReceivableRecordedInvestment
      contextRef="id2b37e8579d14ec7963e6c9d18b6b69d_I20211231"
      decimals="-3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo2MDU0NDgzMTkwM2M0YzFlYWUwZmUyN2YyOTNmMWRkMi90YWJsZXJhbmdlOjYwNTQ0ODMxOTAzYzRjMWVhZTBmZTI3ZjI5M2YxZGQyXzMtMi0xLTEtMA_c140ce7c-a4af-4840-ac39-a57f76f40d42"
      unitRef="usd">1093387000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance
      contextRef="id2b37e8579d14ec7963e6c9d18b6b69d_I20211231"
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo2MDU0NDgzMTkwM2M0YzFlYWUwZmUyN2YyOTNmMWRkMi90YWJsZXJhbmdlOjYwNTQ0ODMxOTAzYzRjMWVhZTBmZTI3ZjI5M2YxZGQyXzMtNC0xLTEtMA_0b1b81df-1cec-4cde-9ccb-7fe669caba38"
      unitRef="usd">1057665000</us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance
      contextRef="id2b37e8579d14ec7963e6c9d18b6b69d_I20211231"
      decimals="-3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo2MDU0NDgzMTkwM2M0YzFlYWUwZmUyN2YyOTNmMWRkMi90YWJsZXJhbmdlOjYwNTQ0ODMxOTAzYzRjMWVhZTBmZTI3ZjI5M2YxZGQyXzMtNi0xLTEtMA_b0408f2e-9773-417f-a4d1-82b5bdc06e55"
      unitRef="usd">47712000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableRecordedInvestment
      contextRef="i780fe4319df1407ebe51e7d422acfca2_I20201231"
      decimals="-3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo2MDU0NDgzMTkwM2M0YzFlYWUwZmUyN2YyOTNmMWRkMi90YWJsZXJhbmdlOjYwNTQ0ODMxOTAzYzRjMWVhZTBmZTI3ZjI5M2YxZGQyXzYtMi0xLTEtMA_755ef448-cefe-4cdb-93c2-deafa986dd9c"
      unitRef="usd">1312805000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance
      contextRef="i780fe4319df1407ebe51e7d422acfca2_I20201231"
      decimals="-3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo2MDU0NDgzMTkwM2M0YzFlYWUwZmUyN2YyOTNmMWRkMi90YWJsZXJhbmdlOjYwNTQ0ODMxOTAzYzRjMWVhZTBmZTI3ZjI5M2YxZGQyXzYtNC0xLTEtMA_617990d2-e9dc-4b1c-821a-e85e425a2434"
      unitRef="usd">1274590000</us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance
      contextRef="i780fe4319df1407ebe51e7d422acfca2_I20201231"
      decimals="-3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo2MDU0NDgzMTkwM2M0YzFlYWUwZmUyN2YyOTNmMWRkMi90YWJsZXJhbmdlOjYwNTQ0ODMxOTAzYzRjMWVhZTBmZTI3ZjI5M2YxZGQyXzYtNi0xLTEtMA_bffe5a81-ba15-4c3e-b6cd-5ebe0f94ec61"
      unitRef="usd">104265000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <slm:AverageRecordedInvestmentAndInterestIncomeRecognizedForTroubledDebtRestructuringLoansTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NjA4_9cfce965-4a21-4f4c-b055-dba502e42dfd">The following table provides the average recorded investment and interest income recognized for our TDR loans.&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.305%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.186%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.573%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.612%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.761%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.953%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.761%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.953%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.420%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.420%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.592%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years Ended December 31, (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:30pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Interest Income Recognized&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Interest Income Recognized&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Interest Income Recognized&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,220,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;84,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,546,908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;100,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,434,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;95,507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;</slm:AverageRecordedInvestmentAndInterestIncomeRecognizedForTroubledDebtRestructuringLoansTableTextBlock>
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    <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod
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    <us-gaap:PastDueFinancingReceivablesTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0Njg3_ad7a2435-0cc0-4c75-9d31-6942a73cb6bd">&lt;div style="text-indent:36pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table provides information regarding the loan status and aging of TDR loans. For the periods presented below, we updated our delinquency bucket periods from what we reported in our 2020 Form 10-K to conform with the delinquency bucket periods defined by the Federal Financial Institutions Examination Council (&#x201c;FFIEC&#x201d;).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:86.805%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:53.940%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.600%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.420%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.600%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.380%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.360%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.420%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.600%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.380%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR loans in in-school/grace/deferment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;80,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;88,750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR loans in forbearance&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;41,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;76,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt; and percentage of each status:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loans current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;832,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;88.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;971,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;87.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-indent:9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loans delinquent 30-59 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;48,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;59,249&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-indent:9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loans delinquent 60-89 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;30,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;43,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-indent:9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loans 90 days or greater past due&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;24,561&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;34,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total TDR loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;935,920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;100.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,109,136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;100.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total TDR loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,057,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,274,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period, (but, for purposes of the table, do not include those loans while they are in forbearance). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;The period of delinquency is based on the number of days scheduled payments are contractually past due.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Delinquencies  - Private Education Loans Held for Investment&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:11.25pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables provide information regarding the loan status of our Private Education Loans held for investment, by year of origination. Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period (but, for purposes of the following tables, do not include those loans while they are in forbearance). For the periods presented below, we updated our delinquency bucket periods from what we reported in our 2020 Form 10-K to conform with the delinquency bucket periods defined by the FFIEC.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.333%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:25.685%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.395%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.423%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.990%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.423%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.990%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.423%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.990%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.679%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.990%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.275%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.990%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.977%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.990%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.580%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Private Education Loans Held for Investment - Delinquencies by Origination Vintage&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2017&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2016 and Prior&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in-school/grace/deferment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,556,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,283,523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;773,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;435,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;296,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;559,356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,904,414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in forbearance&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;11,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;55,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;52,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;43,613&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;41,355&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;96,110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;301,237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in repayment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,234,876&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,786,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,321,728&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,772,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,570,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,319,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;15,005,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans delinquent 30-59 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;15,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;29,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;46,616&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;43,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;41,695&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;132,757&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;308,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans delinquent 60-89 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;7,441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;14,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;14,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;61,533&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;116,947&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans 90 days or greater past due&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,683&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;8,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;10,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;11,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;44,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;79,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,253,860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,826,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,390,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,840,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,640,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,557,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;15,511,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,822,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,166,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,216,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,320,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,978,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,213,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans deferred origination costs and unamortized premium/(discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;22,169&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;67,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,844,530&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,182,350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,226,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,325,978&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,982,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,222,572&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20,784,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans allowance for losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(248,102)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(239,507)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(195,223)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(129,678)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(99,982)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(246,485)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,158,977)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Private Education Loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,596,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,942,843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,030,877&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,196,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,882,839&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,976,087&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,625,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Percentage of Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;59.0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;67.9 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;74.3 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;79.3 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;82.9 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;87.4 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;74.9 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.8 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.4 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.9 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.7 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.3 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.3 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in forbearance as a percentage of loans in repayment and forbearance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.5 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.9 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.1 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.3 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.5 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.1 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.9 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;The period of delinquency is based on the number of days scheduled payments are contractually past due.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center;text-indent:22.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.388%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:24.836%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.808%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.952%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.952%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.952%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.952%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.952%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.121%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.952%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.718%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Private Education Loans Held for Investment -  Delinquencies by Origination Vintage&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;As of December 31, 2020 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2017&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2015 and Prior&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in-school/grace/deferment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,374,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,330,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;733,824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;508,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;327,763&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;504,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,779,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in forbearance&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;92,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;110,319&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;118,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;109,073&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;198,302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;645,476&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,043,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,573,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,045,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,850,539&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,685,572&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,701,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13,898,948&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans delinquent 30-59 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,983&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;26,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;30,771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;33,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;91,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;205,528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans delinquent 60-89 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,628&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;15,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;18,121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,064&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;55,661&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;119,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans 90 days or greater past due&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;460&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12,939&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;14,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;38,555&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;80,702&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,052,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,603,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,096,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,912,370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,752,386&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,887,180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;14,304,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,442,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,026,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,940,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,539,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,189,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,590,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans deferred origination costs and unamortized premium/(discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;21,129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;8,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;7,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;63,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,463,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,040,781&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,949,182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,546,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,194,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,597,510&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,792,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans allowance for losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(210,875)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(298,776)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(218,136)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(184,265)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(150,150)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(293,642)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,355,844)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,253,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,742,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,731,046&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,362,237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,044,793&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,303,868&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;18,436,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Percentage of Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;59.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;64.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;71.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;75.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;80.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;84.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;72.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in forbearance as a percentage of loans in repayment and forbearance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;For some students, going back to school in the fall of 2020 was not an option because of the pandemic, or for other reasons. Therefore, some students  took a &#x201c;gap year&#x201d; before returning to school. In 2020, for those students that had unexpectedly separated from school, we provided an extension of time through fall 2021 to re-enroll, before beginning their grace period that occurs prior to entering full principal and interest repayment status. At December 31, 2020, the loans in the &#x201c;in-school/grace/deferment&#x201d; category above include $401&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. At December 31, 2020, the loans in the &#x201c;in forbearance&#x201d; category above include $30&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. At December 31, 2020, the loans in the &#x201c;in repayment&#x201d; category above include $609&#160;million of Private Education Loans whose borrowers did not return to school in the fall of 2020 and who then received such extension of time from us to re-enroll before beginning their grace period. This program ended in September 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;The period of delinquency is based on the number of days scheduled payments are contractually past due.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:25.215%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.823%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.256%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.256%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.256%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.256%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.256%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.256%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.412%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Private Education Loans Held for Investment - Delinquencies by Origination Vintage&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;As of December 31, 2019 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2017&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2016&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2015&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2014 and Prior&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in-school/grace/deferment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,670,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,580,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,010,764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;635,798&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;375,585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;414,101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,687,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in forbearance&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;21,009&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;108,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;142,341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;146,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;127,799&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;168,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;714,516&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in repayment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,340,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,159,878&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,781,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,566,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,225,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,241,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,315,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans delinquent 30-59 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;11,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;26,096&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;44,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;51,656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;54,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;288,051&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans delinquent 60-89 days&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,087&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,527&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;17,048&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;21,161&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;24,562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;45,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;121,302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans 90 days or greater past due&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;7,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12,314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;24,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;62,666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,355,395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,199,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,850,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,651,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,317,788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,412,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,787,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,047,048&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,888,373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,003,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,433,858&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,821,172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,995,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;23,189,591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans deferred origination costs and unamortized premium/(discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;23,661&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;17,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13,843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;8,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;81,224&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,070,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,906,072&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,017,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,446,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,829,736&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,000,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;23,270,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans allowance for losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(3,013)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(19,105)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(44,858)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(71,598)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(80,974)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(154,752)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(374,300)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Private Education Loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,067,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,886,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,972,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,374,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,748,762&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,846,056&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;22,896,515&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Percentage of Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;58.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;65.4 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;71.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;77.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;82.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;85.4 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;72.4 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.6 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.4 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.0 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.8 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Loans in forbearance as a percentage of loans in repayment and forbearance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.9 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.3 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.8 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5.2 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.7 %&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.1 %&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:56.25pt;padding-right:54pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:12.45pt"&gt;Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other 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      unitRef="usd">24561000</us-gaap:NotesReceivableGross>
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      unitRef="number">0.026</us-gaap:FinancingReceivablePercentPastDue1>
    <us-gaap:NotesReceivableGross
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE0LTgtMS0xLTA_0ff59c95-2ec4-4e09-9444-ddb2eec28e2b"
      unitRef="number">0.031</us-gaap:FinancingReceivablePercentPastDue1>
    <slm:LoansInRepaymentOriginatedInCurrentFiscalYear
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      unitRef="usd">935920000</slm:LoansInRepaymentOriginatedInCurrentFiscalYear>
    <slm:LoansInRepaymentInPercentage
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      decimals="0"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE1LTQtMS0xLTA_8ade5096-02c8-436f-b972-ddf0cdcc9570"
      unitRef="number">1.000</slm:LoansInRepaymentInPercentage>
    <slm:LoansInRepaymentOriginatedInCurrentFiscalYear
      contextRef="i7dd073275ff04f34bdaa6cc7721635e9_I20201231"
      decimals="-3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE1LTYtMS0xLTA_621e15b2-860e-43a9-b3ef-2b5112fdec0b"
      unitRef="usd">1109136000</slm:LoansInRepaymentOriginatedInCurrentFiscalYear>
    <slm:LoansInRepaymentInPercentage
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      decimals="0"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE1LTgtMS0xLTA_50cf37cf-933a-4d9b-827c-d100f9b9cef9"
      unitRef="number">1.000</slm:LoansInRepaymentInPercentage>
    <us-gaap:NotesReceivableGross
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE2LTItMS0xLTA_837aa518-5c42-4e75-87dd-5928f9252dab"
      unitRef="usd">1057665000</us-gaap:NotesReceivableGross>
    <us-gaap:NotesReceivableGross
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTowOTJhYTRmOTI2NmI0NWU1YWEwNjQ2NzkxZTg4YzI2Ni90YWJsZXJhbmdlOjA5MmFhNGY5MjY2YjQ1ZTVhYTA2NDY3OTFlODhjMjY2XzE2LTYtMS0xLTA_dd56a353-988f-49a5-9f37-4ac92c6b7d5f"
      unitRef="usd">1274590000</us-gaap:NotesReceivableGross>
    <slm:ModifiedLoansAccountsForTroubledDebtRestructuringTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NjY2_ca1a3abc-2a47-450f-b455-5fc6a8b21749">&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table provides the amount of modified loans (which include forbearance and reductions in interest rates) that became TDRs in the periods presented. Additionally, for the periods presented, the table summarizes charge-offs occurring in the TDR portfolio, as well as TDRs for which a payment default occurred in the relevant period presented and within 12 months of the loan first being designated as a TDR. We define payment default as 60 days past due for this disclosure. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-align:center;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.416%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.291%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.527%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.779%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.964%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.196%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.964%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.051%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.527%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.652%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.964%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.469%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.527%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.070%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.527%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.070%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.527%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.905%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.527%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.663%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years Ended December 31, (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:27pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Modified Loans&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Payment-Default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Modified Loans&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Payment-Default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Modified Loans&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Payment-Default&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;TDR Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;75,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;515,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;74,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;111,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;(1)   Represents the principal balance of loans that have been modified during the period and resulted in a TDR.</slm:ModifiedLoansAccountsForTroubledDebtRestructuringTableTextBlock>
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    <us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NjI0_59e4dea6-2b48-40dc-b700-6c435f131a31">The following tables highlight the gross principal balance of our Private Education Loan portfolio (held for investment), by year of origination, stratified by key credit quality indicators. &lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.550%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.659%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.059%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.052%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.560%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Private Education Loans Held for Investment - Credit Quality Indicators&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Year of Origination&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2018&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2017&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2016 and Prior&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;% of Balance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Cosigners:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;With cosigner&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,263,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,604,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,778,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,025,463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,765,719&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,753,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;18,191,664&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Without cosigner&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;558,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;561,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;438,263&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;294,597&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;212,514&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;459,626&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,525,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,822,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,166,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,216,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,320,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,978,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,213,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;FICO at Origination&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;248,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;238,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;251,157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;193,123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;166,048&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;428,416&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,525,117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;670-699&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;508,264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;564,497&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;493,237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;363,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;329,807&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;884,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,144,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,210,833&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,348,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,057,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;770,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;660,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,753,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6,800,534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Greater than or equal to 750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,854,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,015,512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,415,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;993,172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;822,108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,146,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,247,113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,822,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,166,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,216,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,320,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,978,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,213,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;FICO Refreshed&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;326,613&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;279,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;273,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;235,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;233,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;739,268&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,087,817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;670-699&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;506,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;475,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;365,133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;256,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;209,536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;570,605&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,383,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,209,493&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,285,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;978,763&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;682,024&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;568,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,448,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6,172,753&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Greater than or equal to 750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,780,234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,126,016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,598,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,145,952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;966,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,454,836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;10,072,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,822,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,166,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,216,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,320,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,978,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,213,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Seasoning&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1-12 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,265,811&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;594,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;515,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;385,246&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;340,242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;501,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,602,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13-24 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,287,737&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;362,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;203,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;211,064&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;479,540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,544,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;25-36 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,565,203&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;312,049&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;164,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;482,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,524,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;37-48 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;983,434&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;295,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;464,563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,743,203&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;More than 48 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;671,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,726,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,397,442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Not yet in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,556,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,283,523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;773,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;435,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;296,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;559,356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,904,414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,822,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,166,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,216,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,320,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,978,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,213,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;20,716,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2021 Current period&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(5) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;gross charge-offs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,183)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(8,604)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(23,866)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(32,741)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(37,186)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(126,011)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(229,591)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2021 Current period&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt; recoveries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;18,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;29,494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2021 Current period&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt; net charge-offs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,148)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(8,064)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(21,774)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(29,048)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(32,736)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(107,327)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(200,097)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total accrued interest by origination vintage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;109,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;247,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;270,242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;198,816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;131,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;229,729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,187,123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="51" rowspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt"&gt;Balance represents gross Private Education Loans held for investment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt"&gt;Represents the higher credit score of the cosigner or the borrower.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt"&gt;Represents the FICO score updated as of the fourth-quarter 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt"&gt;Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was due.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:3.9pt;font-weight:400;line-height:100%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6pt;font-weight:400;line-height:100%;padding-left:13.26pt"&gt;Current period refers to period from January 1, 2021 through December 31, 2021.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="51" style="display:none"/&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="51" style="display:none"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.969%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.550%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.659%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.851%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.059%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.052%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.560%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;As of December 31, 2020 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Private Education Loans Held for Investment -  Credit Quality Indicators&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Year of Origination&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2018&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2017&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2016&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2015 and Prior&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;% of Balance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Cosigners:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;With cosigner&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,915,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,467,219&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,556,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,262,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,977,952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,198,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;17,378,282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Without cosigner&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;527,437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;559,629&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;384,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;277,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;211,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;391,449&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,351,055&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,442,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,026,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,940,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,539,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,189,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,590,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;FICO at Origination&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;195,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;290,711&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;225,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;197,948&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;162,413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;369,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,441,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;670-699&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;464,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;594,950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;441,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;407,394&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;351,303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;771,477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,031,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,111,373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,310,390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;967,802&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;846,983&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;740,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,533,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6,510,093&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Greater than or equal to 750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,671,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,830,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,306,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,087,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;935,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,915,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;8,746,807&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,442,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,026,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,940,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,539,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,189,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,590,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;FICO Refreshed&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;240,154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;331,229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;301,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;298,195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;293,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;734,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,199,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;670-699&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;438,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;493,135&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;336,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;283,906&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;231,759&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;504,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,289,210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,102,666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,248,806&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;871,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;734,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;603,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,220,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,780,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Greater than or equal to 750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,661,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,953,678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,430,084&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,223,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,061,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,130,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9,460,090&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,442,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,026,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,940,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,539,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,189,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,590,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Seasoning&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1-12 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,068,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;600,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;469,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;472,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;381,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;507,343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,498,496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13-24 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,096,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;383,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;223,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;217,379&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;425,345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,346,831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;25-36 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,353,567&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;370,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;181,940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;439,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,345,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;37-48 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;965,476&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;351,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;402,552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,719,461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;More than 48 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;729,510&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,310,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,040,415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Not yet in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,374,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,330,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;733,824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;508,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;327,763&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;504,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,779,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,442,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,026,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,940,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,539,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,189,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,590,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,729,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2020 Current period&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(5) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;gross charge-offs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,087)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(10,940)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(27,000)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(35,851)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(36,416)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(94,032)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(205,326)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2020 Current period&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt; recoveries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13,200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;24,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2020 Current period&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt; net charge-offs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,045)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(10,304)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(24,726)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(32,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(32,132)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(80,832)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(181,305)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;Total accrued interest by origination vintage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;90,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;265,688&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;252,251&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;209,178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;141,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;210,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,168,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="51" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt"&gt;Balance represents gross Private Education Loans held for investment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt"&gt;Represents the higher credit score of the cosigner or the borrower.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt"&gt;Represents the FICO score updated as of the fourth-quarter 2020.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:24.75pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%;padding-left:12.45pt"&gt;Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was 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    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIxLTE0LTEtMS0w_b0532c5f-cf93-405b-8e4d-a9cdb79c6a84"
      unitRef="usd">19625374000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTItMS0xLTA_9df48bf6-df95-472b-9f25-817ac78efeb3"
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    <slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTQtMS0xLTA_2fb584ea-d48b-40d1-a4ae-ca33a5e60058"
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    <slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTYtMS0xLTA_c8480eb4-b035-4fc8-9853-124204e726c6"
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    <slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTgtMS0xLTA_f7569c32-319e-496d-a7e9-37fe8988e422"
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    <slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTEwLTEtMS0w_498a857e-e08a-44c8-9cde-30596f00f9ea"
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    <slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTEyLTEtMS0w_3658a420-c479-4611-9aef-14c26cc90ed1"
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    <slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzIzLTE0LTEtMS0w_97384c02-fd64-4d19-bc3d-ccec3bd76aca"
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    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTItMS0xLTA_d50764fa-397f-4b82-b91d-bfd957b36ccf"
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    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTQtMS0xLTA_5431582d-f8a9-411d-8892-adbd347a8047"
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTYtMS0xLTA_323ff66d-a09d-431a-9478-b37756d9638d"
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    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTgtMS0xLTA_b49dcb81-f473-42c9-968c-e7ed600b1ec1"
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    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTEwLTEtMS0w_f513348e-9e89-4d15-8f5d-484290a1e207"
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    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTEyLTEtMS0w_c23d23db-9bf5-475a-a0d2-8857c5fc44a3"
      unitRef="number">0.052</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepayment
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI0LTE0LTEtMS0w_f282d33f-c379-46ca-81f8-a394aa54b8b2"
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI2LTItMS0xLTA_ef93e146-4a7c-4851-b197-402815999d72"
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    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI2LTQtMS0xLTA_abdb009a-391a-4949-b40b-d9ed5a3f98ed"
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI2LTYtMS0xLTA_4558f239-9f85-400b-83c6-2b07d42082a0"
      unitRef="number">0.021</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI2LTgtMS0xLTA_4b18d234-4cd7-400f-842f-6e9693fc0c0c"
      unitRef="number">0.023</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTozMDMwZmViNmNkYWE0MzU2ODk3MThkMjY5YTc3NDA3OC90YWJsZXJhbmdlOjMwMzBmZWI2Y2RhYTQzNTY4OTcxOGQyNjlhNzc0MDc4XzI2LTEwLTEtMS0w_b2d96a43-c508-49e4-b0b3-e40bb9d78e5b"
      unitRef="number">0.025</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIzLTQtMS0xLTA_7e0f3794-5089-48fb-9c32-4c05fa275d9a"
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    <slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIzLTYtMS0xLTA_427991b5-b428-4310-a788-9636340ebb81"
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    <slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIzLTgtMS0xLTA_fe5ae47b-0347-4ba3-836a-aefea8a26f9c"
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    <slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIzLTEwLTEtMS0w_cea277f8-9f59-4386-97f9-3d148989a152"
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    <slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIzLTEyLTEtMS0w_4154dde5-1958-42ef-ade6-352065b9f9fd"
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    <slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzIzLTE0LTEtMS0w_66a9cf8d-34f5-489a-9075-f348c18570ee"
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    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTItMS0xLTA_a27aab90-2dc2-4032-acd5-2770e2ff5fe7"
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    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTQtMS0xLTA_59871ccb-ef84-48c8-ae98-173afdcd72ea"
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    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTYtMS0xLTA_dddba421-9eaf-46c9-83dc-ab85f6798fee"
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    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTgtMS0xLTA_93b4c5c7-aa9c-4d1c-963f-7bb5cebb8bf8"
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    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTEwLTEtMS0w_e4573ced-5534-4435-babd-127d93574b81"
      unitRef="number">0.038</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTEyLTEtMS0w_92ccdfdf-88c7-4e1b-9e4d-338b2585e231"
      unitRef="number">0.048</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepayment
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI0LTE0LTEtMS0w_40709d6c-af6b-493b-a0df-1d81a8429d35"
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    <slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTItMS0xLTA_94bda520-f936-4bfa-add5-3489fcb5428e"
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    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTQtMS0xLTA_d2f4974f-e2d6-4a99-a747-a3b04a734337"
      unitRef="number">0.034</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTYtMS0xLTA_25173f1c-6f46-4dc1-9c0a-4d98ef6ceb7e"
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    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTgtMS0xLTA_0685d148-f6b5-4488-977c-27933380892f"
      unitRef="number">0.059</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTEwLTEtMS0w_2e2dc651-4270-47d8-a6fc-9e90194d76a9"
      unitRef="number">0.059</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTEyLTEtMS0w_1d2431b6-019a-4bce-970a-0ca6135bf9b0"
      unitRef="number">0.049</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3Mzk3MTdiYWY2ZWU0ODhjYmEwODllNjQ3Y2ExY2VkNi90YWJsZXJhbmdlOjczOTcxN2JhZjZlZTQ4OGNiYTA4OWU2NDdjYTFjZWQ2XzI2LTE0LTEtMS0w_aecf324c-e964-4064-a5fb-5f655ea20b26"
      unitRef="number">0.043</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance>
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE2NDkyNjc0ODEwODg_40972393-94c9-41fd-ad13-8d18fde8e0c3"
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIxLTE0LTEtMS0w_5430c44d-be4f-4c7d-9bb8-33185ad3b4b4"
      unitRef="usd">22896515000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTItMS0xLTA_d3f01c1f-9c7c-4485-b7d9-57cc074b900f"
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    <slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTQtMS0xLTA_e08f7c7e-7791-44c5-81e8-9b80fe1e63da"
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    <slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTYtMS0xLTA_41c33d3e-9e53-43e8-9f48-2f3fc13750d3"
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    <slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTgtMS0xLTA_4f0b4a4d-0b57-4492-952a-19d16e1dbc3c"
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    <slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTEwLTEtMS0w_f729cbb5-196a-4fbd-bb72-517a47516468"
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    <slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTEyLTEtMS0w_c2d38ab9-a1a1-4da1-b520-d04b7258810c"
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    <slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzIzLTE0LTEtMS0w_559deeb4-6fd1-4b30-9548-14499bea5092"
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    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTItMS0xLTA_9fdb4e26-654c-4054-8fa5-c59ff6b3048f"
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    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTQtMS0xLTA_7358ae1d-0444-416c-ae4e-9143c8a89bec"
      unitRef="number">0.012</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTYtMS0xLTA_23f77f95-ca42-4968-ba8e-b219bb5807bf"
      unitRef="number">0.024</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTgtMS0xLTA_d6f4a958-0270-408e-9bb3-a243465fba03"
      unitRef="number">0.032</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTEwLTEtMS0w_d77e1ca5-8cc4-4d9e-a3ce-61bfaf8ef390"
      unitRef="number">0.040</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTEyLTEtMS0w_d0627956-3e4f-4b50-81b1-0c1de645a5a4"
      unitRef="number">0.050</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepayment
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI0LTE0LTEtMS0w_63372eb8-11ed-4f81-9650-f3683262524d"
      unitRef="number">0.028</slm:DelinquenciesAsPercentageOfLoansInRepayment>
    <slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTItMS0xLTA_15756af2-0388-4351-ac21-c2b130a44131"
      unitRef="number">0.009</slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTQtMS0xLTA_84a85b85-edf9-4eee-a21f-daae9ef838ee"
      unitRef="number">0.033</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTYtMS0xLTA_fc57e1c0-de39-4498-9988-beacc5dffd24"
      unitRef="number">0.048</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTgtMS0xLTA_54021ac6-13aa-4b86-b39e-c7dfc6197922"
      unitRef="number">0.052</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTEwLTEtMS0w_f0bc4862-71e3-49f6-900a-977bb1f3d0ef"
      unitRef="number">0.052</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTEyLTEtMS0w_952dec49-df27-4d6a-86dd-f905772378a4"
      unitRef="number">0.047</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance
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      decimals="3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MGNkOWU5MGIyM2Q0YjA4OTA5MzMyYjU4NWM3Mjg0OC90YWJsZXJhbmdlOjcwY2Q5ZTkwYjIzZDRiMDg5MDkzMzJiNTg1YzcyODQ4XzI2LTE0LTEtMS0w_29b4ffe2-01af-4da8-8449-ff08c0141775"
      unitRef="number">0.041</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance>
    <slm:AccruedInterestReceivableTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0NjQy_38a58cbb-8529-44f8-a55d-57402c6c1224">&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table provides information regarding accrued interest receivable on our Private Education Loans. The table also discloses the amount of accrued interest on loans 90 days and greater past due as compared to our allowance for uncollectible interest on loans making full interest payments. The majority of the total accrued interest receivable represents accrued interest on deferred loans where no payments are due while the borrower is in school and fixed-pay loans where the borrower makes a $25 monthly payment that is smaller than the interest accruing on the loan in that month. The accrued interest on these loans will be capitalized to the balance of the loans when the borrower exits the grace period after separation from school. The allowance for this portion of interest is included in our loan loss reserve. The allowance for uncollectible interest exceeds the amount of accrued interest on our 90 days past due Private Education Loan portfolio for all periods presented.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.055%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:40.048%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.996%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.321%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.996%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.321%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.996%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.322%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Accrued Interest Receivable&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total Interest&lt;br/&gt;Receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;90 Days and Greater &lt;br/&gt;Past Due&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for&lt;br/&gt;Uncollectible&lt;br/&gt;Interest&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;December 31, 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,187,123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;December 31, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,168,895&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,467&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</slm:AccruedInterestReceivableTableTextBlock>
    <slm:PeriodofLoansPastDueThatHaveAccruedInterest
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    <slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90ZXh0cmVnaW9uOjRkNjE4MDMzNTAyODQ5MTY4MGZiMjg5MDJhZjlkOTUyXzE0MTIx_cdb6fa83-f1b8-449b-bd63-283a2b1c39f4"
      unitRef="usd">25</slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest>
    <slm:PeriodofLoansPastDueThatHaveAccruedInterest
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    <slm:AccruedInterestReceivableOnPrivateEducationLoans
      contextRef="i8e6f1a6555c84b04869ef030518e61a4_I20211231"
      decimals="-3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MjUwNWE2YmQ0MzY0YjVmOWVhMjU4OTk4NjJiYjQwMi90YWJsZXJhbmdlOjcyNTA1YTZiZDQzNjRiNWY5ZWEyNTg5OTg2MmJiNDAyXzQtMi0xLTEtMA_50eb28f2-b084-4c47-a04d-9d236dca0f19"
      unitRef="usd">1187123000</slm:AccruedInterestReceivableOnPrivateEducationLoans>
    <slm:GreaterThanNinetyDaysPastDueAccruedInterestReceivable
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      unitRef="usd">3635000</slm:GreaterThanNinetyDaysPastDueAccruedInterestReceivable>
    <slm:AllowanceForUncollectibleAccruedInterest
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MjUwNWE2YmQ0MzY0YjVmOWVhMjU4OTk4NjJiYjQwMi90YWJsZXJhbmdlOjcyNTA1YTZiZDQzNjRiNWY5ZWEyNTg5OTg2MmJiNDAyXzQtNi0xLTEtMA_15dfe592-d767-4fc1-9ca7-b0ddcb51e3dd"
      unitRef="usd">4937000</slm:AllowanceForUncollectibleAccruedInterest>
    <slm:AccruedInterestReceivableOnPrivateEducationLoans
      contextRef="i77476f9e6703499d8bf8d4df8cf651b9_I20201231"
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      unitRef="usd">1168895000</slm:AccruedInterestReceivableOnPrivateEducationLoans>
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      unitRef="usd">4354000</slm:GreaterThanNinetyDaysPastDueAccruedInterestReceivable>
    <slm:AllowanceForUncollectibleAccruedInterest
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      decimals="-3"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTIvZnJhZzo0ZDYxODAzMzUwMjg0OTE2ODBmYjI4OTAyYWY5ZDk1Mi90YWJsZTo3MjUwNWE2YmQ0MzY0YjVmOWVhMjU4OTk4NjJiYjQwMi90YWJsZXJhbmdlOjcyNTA1YTZiZDQzNjRiNWY5ZWEyNTg5OTg2MmJiNDAyXzUtNi0xLTEtMA_eaef51e9-cfcb-4f4e-b679-80deed3fb195"
      unitRef="usd">4467000</slm:AllowanceForUncollectibleAccruedInterest>
    <us-gaap:CreditLossFinancialInstrumentTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTUvZnJhZzozMDEzZjcwMGIyMzI0Zjc2YmEyZjYzYTZiZGEwYzhhZC90ZXh0cmVnaW9uOjMwMTNmNzAwYjIzMjRmNzZiYTJmNjNhNmJkYTBjOGFkXzIwNDE_d382965e-40ab-45bc-b254-b6edefe43082">Unfunded Loan Commitments&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When we approve a Private Education Loan at the beginning of an academic year, that approval may cover the borrowing for the entire academic year. As such, we do not always disburse the full amount of the loan at the time of such approval, but instead have a commitment to fund a portion of the loan at a later date (usually at the start of the second semester or subsequent trimesters). We estimate expected credit losses over the contractual period in which we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by us. See Note 2, &#x201c;Significant Accounting Policies &#x2014; Allowance for Credit Losses, &#x2014; Allowance for Credit Losses - 2021 and 2020, &#x2014; Off-Balance Sheet Exposure for Contractual Loan Commitments - 2021 and 2020&#x201d; for additional information. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December 31, 2021, we had $1.8&#160;billion of outstanding contractual loan commitments that we expect to fund during the remainder of the 2021/2022 academic year. The tables below summarize the activity in the allowance recorded to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#x201c;Other Liabilities&#x201d; on the consolidated balance sheets, as well as the activity in the unfunded commitments balance. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:528.75pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:119.50pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:54.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:10.75pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:63.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:9.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:49.75pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:9.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:66.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.00pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:54.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.00pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;td style="width:66.25pt"/&gt;&lt;td style="width:1.0pt"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years ended December 31, (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:24pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Unfunded Commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Unfunded Commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Unfunded Commitments&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Beginning Balance&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;110,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,673,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,910,603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,010,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Day 1 adjustment for the adoption of CECL&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;115,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Balance at January 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;110,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,673,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;118,239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,910,603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,010,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Provision/New commitments - net&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;232,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,512,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;311,659&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,070,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,513,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other provision items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;31,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Transfer - funded loans&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(301,655)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(5,408,883)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(320,808)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(5,307,760)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(6,217)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(5,613,931)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;72,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,776,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;110,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,673,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,910,603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:42.75pt;padding-right:63pt;text-indent:-15.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;  &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Net of expirations of commitments unused.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:42.75pt;padding-right:63pt;text-indent:-15.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;  &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;When a loan commitment is funded, its related liability for credit losses (which originally was recorded as a provision for unfunded commitments) is transferred to the allowance for credit losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:42.75pt;padding-right:63pt;text-indent:-15.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The unfunded commitments disclosed above represent the total amount of outstanding unfunded commitments at each period end. However, historically not all of these commitments are funded prior to the expiration of the commitments. We estimate the amount of commitments expected to be funded in calculating the reserve for unfunded commitments. The amount we expect to fund and use in our calculation of the reserve for unfunded commitments will change period to period based upon the loan characteristics of the underlying commitments.&lt;/span&gt;&lt;/div&gt;</us-gaap:CreditLossFinancialInstrumentTextBlock>
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style="width:18.736%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.789%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.739%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Land and land improvements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 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style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Buildings and leasehold improvements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;122,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 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0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Accumulated depreciation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(102,805)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(83,429)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Premises and equipment, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;150,516&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;154,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&#160;&#160;&#160;&#160;Depreciation expense for premises and equipment was $16 million, $15 million, and $15 million for the years ended December 31, 2021, 2020, and 2019, respectively.</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
    <us-gaap:PropertyPlantAndEquipmentTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMTgvZnJhZzoxM2U3YmZkNTJhYzY0ZjE5YTkwYWVhNGIwOTc2MDkxNS90ZXh0cmVnaW9uOjEzZTdiZmQ1MmFjNjRmMTlhOTBhZWE0YjA5NzYwOTE1XzI2NQ_f1c7f415-860e-419a-99ae-51be69af8ca5">The following is a summary of our premises and equipment.&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:51.111%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:52.976%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:2.160%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.736%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.789%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.739%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Land and land improvements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Buildings and leasehold improvements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;122,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;120,971&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Furniture, fixtures, and equipment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;29,955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;28,272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Software&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;88,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;76,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Premises and equipment, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;253,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;238,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Accumulated depreciation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(102,805)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(83,429)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Premises and equipment, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;150,516&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;154,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;</us-gaap:PropertyPlantAndEquipmentTextBlock>
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interest bearing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,826,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,664,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deposits - non-interest bearing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,828,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,666,039&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our total deposits of $20.8 billion were comprised of $10.1 billion in brokered deposits and $10.7 billion in retail and other deposits at December 31, 2021, compared with total deposits of $22.7 billion, which were comprised of $11.9 billion in brokered deposits and $10.8 billion in retail and other deposits, at December 31, 2020.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Interest bearing deposits as of December 31, 2021 and 2020 consisted of retail and brokered non-maturity savings deposits, retail and brokered non-maturity MMDAs and retail and brokered CDs. Interest bearing deposits include deposits from Educational 529 and Health Savings plans that diversify our funding sources and add deposits we consider to be core. These and other large omnibus accounts, aggregating the deposits of many individual depositors, represented $7.3&#160;billion of our deposit total as of December 31, 2021, compared with $7.1 billion at December 31, 2020.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Some of our deposit products are serviced by third-party providers. Placement fees associated with the brokered CDs are amortized into interest expense using the effective interest rate method. We recognized placement fee expense of $16 million, $19 million, and $18 million in the years ended December 31, 2021, 2020, and 2019, respectively. Fees paid to third-party brokers related to these CDs were $13 million, $5 million, and $28 million during the years ended December 31, 2021, 2020, and 2019, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Interest bearing deposits at December 31, 2021 and 2020 are summarized as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:38.159%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.096%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.974%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.725%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.159%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.725%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.974%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.725%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.163%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year-End Weighted&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Stated Rate&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year-End Weighted&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Stated Rate&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:5pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Money market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,473,569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,159,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Savings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;959,122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;907,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Certificates of deposit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,394,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,597,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Deposits - interest bearing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,826,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,664,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:20.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;  Includes the effect of interest rate swaps in effective hedge relationships. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:22.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Certificates of deposit remaining maturities are summarized as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-align:center;text-indent:22.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.305%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:57.467%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.078%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.337%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.078%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.340%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;One year or less&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,407,370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,728,556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;After one year to two years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,297,955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,363,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;After two years to three years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,299,461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,603,229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;After three years to four years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;299,737&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;553,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;After four years to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,042,065&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;300,346&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;After five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;48,202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,394,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,597,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December 31, 2021 and 2020, there were $743 million and $571 million, respectively, of deposits exceeding FDIC insurance limits. Accrued interest on deposits was $35 million and $50 million at December 31, 2021 and 2020, respectively.&lt;/span&gt;&lt;/div&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
    <slm:ScheduleofDepositsTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzE5MDE_1e653b95-28c6-46cd-9107-8f1d0634ef72">&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes total deposits at December 31, 2021 and 2020.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:57.638%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:59.863%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.004%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.213%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.004%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.216%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deposits - interest bearing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,826,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,664,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deposits - non-interest bearing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,828,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,666,039&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</slm:ScheduleofDepositsTableTextBlock>
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style="width:0.1%"/&gt;&lt;td style="width:1.096%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.974%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.725%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.159%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.725%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.974%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.725%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.163%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year-End Weighted&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Stated Rate&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year-End Weighted&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Stated Rate&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:5pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Money market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,473,569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,159,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Savings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;959,122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;907,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Certificates of deposit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,394,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,597,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Deposits - interest bearing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,826,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,664,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;  Includes the effect of interest rate swaps in effective hedge relationships.</slm:InterestBearingDepositsTableTextBlock>
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    <slm:ScheduleofMaturitiesofTimeDepositsTableTextBlock
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjEvZnJhZzoxZmJhODJmNGJiMDU0ZWI5YWM2YzI0NDY2YTA4OWVlMy90ZXh0cmVnaW9uOjFmYmE4MmY0YmIwNTRlYjlhYzZjMjQ0NjZhMDg5ZWUzXzE5MTM_1a7d8b1f-7842-4f64-b711-e6389fbedfe7">&lt;div style="margin-top:9pt;text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Certificates of deposit remaining maturities are summarized as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-align:center;text-indent:22.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.305%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:57.467%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.078%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.337%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.078%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.340%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;One year or less&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,407,370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,728,556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;After one year to two years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,297,955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,363,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;After two years to three years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,299,461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,603,229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;After three years to four years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;299,737&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;553,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;After four years to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,042,065&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;300,346&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;After five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;48,202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,394,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,597,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</slm:ScheduleofMaturitiesofTimeDepositsTableTextBlock>
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The following table summarizes our secured borrowings at December 31, 2021 and 2020. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.583%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:26.946%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.534%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.472%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.534%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.060%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.534%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.206%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.974%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.060%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.534%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.206%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.534%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.506%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Short-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Long-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Short-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Long-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Unsecured borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Unsecured debt (fixed-rate)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;986,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;986,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total unsecured borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;986,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;986,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Secured borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loan term securitizations:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Fixed-rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,897,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,897,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,261,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,261,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Variable-rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,046,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,046,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,235,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,235,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Private Education Loan term securitizations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,944,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,944,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured Borrowing Facility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total secured borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,944,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,944,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,930,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,930,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,189,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,189,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Short-term Borrowings&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On July 30, 2021, we amended our Secured Borrowing Facility to extend the maturity of the facility. The amount that can be borrowed under the facility is $2 billion. We hold 100 percent of the residual interest in the Secured Borrowing Facility trust.&#160;Under the Secured Borrowing Facility, we incur financing costs on unused borrowing capacity and on outstanding advances. The amended Secured Borrowing Facility extended the revolving period, during which we may borrow, repay, and reborrow funds, until May 17, 2022.&#160;The scheduled amortization period, during which amounts outstanding under the Secured Borrowing Facility must be repaid, ends on May 17, 2023 (or earlier, if certain material adverse events occur). At December 31, 2021, and December 31, 2020, there were no secured borrowings outstanding under the Secured Borrowing Facility. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Short-term borrowings have a remaining term to maturity of one year or less. The following table summarizes the outstanding short-term borrowings, the weighted average interest rates at the end of the period, and the related average balance and weighted average interest rates during the period. The Secured Borrowing Facility&#x2019;s contractual maturity is two years from the date of inception or renewal (one-year revolving period plus a one-year amortization period); however, we classify advances under our Secured Borrowing Facility as short-term borrowings because it is our intention to repay those advances within one year. The 5.125 percent unsecured Senior Notes due April 5, 2022, which we redeemed in the fourth quarter of 2021, were classified as short-term borrowings in April of 2021, and are included in the table below. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.305%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:38.273%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.232%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.232%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.232%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.239%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended&lt;br/&gt;December 31, 2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average&lt;br/&gt;Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average&lt;br/&gt;Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Short-term borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Unsecured Debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;122,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured Borrowing Facility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total short-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;122,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Maximum outstanding at any month end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;199,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:27pt;padding-right:27pt;text-align:center;text-indent:-4.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:83.750%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:37.871%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.629%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.327%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.629%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.327%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.629%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.327%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.629%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.332%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended&lt;br/&gt;December 31, 2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average&lt;br/&gt;Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Interest Rate&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Short-term borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured Borrowing Facility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;45,820&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;24.99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Maximum outstanding at any month end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;289,230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:54pt;padding-right:27pt;text-indent:-4.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The interest for the non-use fees is calculated based on the Secured Borrowing Facility&#x2019;s maximum borrowing limit, which was $2&#160;billion in both 2021 and 2020. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Long-term Borrowings&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Unsecured Debt&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On November 15, 2021, we redeemed our $200 million, 5.125 percent Senior Notes due April 5, 2022. The Senior Notes were redeemed at 101.39 percent of their principal amount, plus the accrued and unpaid interest thereon through the redemption date. As a result of the redemption, we recognized a $3&#160;million loss on the transaction. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On October 29, 2020, we issued at par an unsecured debt offering of $500&#160;million of 4.20 percent Senior Notes due October 29, 2025. At December 31, 2021, the outstanding balance was $495&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On November 1, 2021, we issued an unsecured debt offering of $500&#160;million, 3.125 percent Senior Notes due November 2, 2026, at a price of 99.43 percent. At December 31, 2021, the outstanding balance was $491&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Secured Financings&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;2021 Transactions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:8pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On May 19, 2021, we executed our $531&#160;million SMB Private Education Loan Trust 2021-B term ABS transaction, which was accounted for as a secured financing. We sold $531&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $529&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.26 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 0.77 percent. At December 31, 2021, $496&#160;million of our Private Education Loans, including $467&#160;million of principal and $29&#160;million in capitalized interest, were encumbered because of this transaction.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:8pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On August 18, 2021, we executed our $527&#160;million SMB Private Education Loan Trust 2021-D term ABS transaction, which was accounted for as a secured financing. We sold $527&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $525&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.22 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 0.69 percent. At December 31, 2021, $515&#160;million of our Private Education Loans, including $485&#160;million of principal and $30&#160;million in capitalized interest, were encumbered because of this transaction.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:8pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On November 9, 2021, we executed our $534&#160;million SMB Private Education Loan Trust 2021-E term ABS transaction, which was accounted for as a secured financing. We sold $534&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $532&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.15 years and priced at a weighted average &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:8pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;LIBOR equivalent cost of 1-month LIBOR plus 0.69 percent. At December 31, 2021, $533&#160;million of our Private Education Loans, including $502&#160;million of principal and $31&#160;million in capitalized interest, were encumbered because of this transaction.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;2020 Transactions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On February 12, 2020, we executed our $636&#160;million SMB Private Education Loan Trust 2020-A term ABS transaction, which was accounted for as a secured financing. We sold $636&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $634&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.18 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 0.88 percent. At December 31, 2021, $496&#160;million of our Private Education Loans, including $469&#160;million of principal and $27&#160;million in capitalized interest, were encumbered because of this transaction.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On August 12, 2020, we executed our $707&#160;million SMB Private Education Loan Trust 2020-B term ABS transaction, which was accounted for as a secured financing. We sold $707&#160;million of notes to third-parties and retained a 100 percent interest in the residual certificates issued in the securitization, raising approximately $705&#160;million of gross proceeds. The Class A and Class B notes had a weighted average life of 4.14 years and priced at a weighted average LIBOR equivalent cost of 1-month LIBOR plus 1.30 percent. At December 31, 2021, $615&#160;million of our Private Education Loans, including $581&#160;million of principal and $34&#160;million in capitalized interest, were encumbered because of this transaction.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%"&gt;Pre-2020 Transactions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Prior to 2020, we executed a total of $6.9 billion in ABS transactions that were accounted for as secured financings. At December 31, 2021, $3.6 billion of our Private Education Loans, including $3.5 billion of principal and $141 million in capitalized interest, were encumbered as a result of these transactions.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the outstanding long-term borrowings, the weighted average interest rates at the end of the period and the related average balance during the period. Rates reflect stated interest of borrowings and related discounts and premiums. The long-term borrowings amortize over time and mature serially from 2025 to 2053. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.638%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:25.365%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.592%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.468%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.592%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.676%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.592%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.468%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.543%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.468%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.592%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.676%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.592%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.476%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended&lt;br/&gt;December 31, 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended&lt;br/&gt;December 31, 2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average&lt;br/&gt;Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average&lt;br/&gt;Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Floating-rate borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,046,857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.05&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,073,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,235,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.09&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,432,446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Fixed-rate borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,884,133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,094,640&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,954,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.08&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,316,425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total long-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,930,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,167,682&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,189,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,748,871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:36pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December&#160;31, 2021, the stated maturity and maturity to call date of our brokered deposits and borrowings are summarized below. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.483%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.761%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.205%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.594%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.011%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.883%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.761%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.066%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.205%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.767%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Stated Maturity&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Maturity to Call Date&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Brokered Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Unsecured Debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Secured Borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Brokered Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Unsecured Debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Secured Borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Year of Maturity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,918,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;718,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,636,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,918,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;718,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,636,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,033,829&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;698,078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,731,907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,033,829&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;698,078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,731,907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,236,522&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;687,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,924,122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,236,522&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;687,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,924,122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;270,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;500,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;648,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,418,489&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;270,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;500,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;648,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,418,489&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,033,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;500,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;618,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,151,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,033,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;500,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;618,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,151,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2027 and after&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,750,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,797,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,750,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,797,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,539,574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,000,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,121,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,660,602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,539,574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,000,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,121,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,660,602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Hedge accounting adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;33,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;33,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;33,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;33,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,573,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,000,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,121,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,694,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,573,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,000,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,121,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,694,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:18pt;text-indent:-4.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;We view our securitization trust debt as long-term based on the contractual maturity dates and projected principal paydowns based on our current estimates regarding loan prepayment speeds. The projected principal paydowns in year 2022 include $718 million related to the securitization trust debt.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Secured Financings&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following summarizes our secured financings issued in 2020 and 2021:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.333%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:24.057%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.586%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:16.038%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.586%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.579%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.586%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:26.101%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.586%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.581%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Date Issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total Issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Cost of Funds&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average Life&lt;br/&gt;(in years)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Private Education Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2020-A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;February 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;636,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1-month LIBOR plus 0.88%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.18&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2020-B&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;August 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;707,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1-month LIBOR plus 1.30%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.14&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total notes issued in 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,343,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total loan and accrued interest amount securitized at inception in 2020&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,463,230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2021-B&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;May 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;531,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1-month LIBOR plus 0.77%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2021-D&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;August 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;527,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1-month LIBOR plus 0.69%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.22&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2021-E&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;November 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;534,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1-month LIBOR plus 0.69%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.15&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total notes issued in 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,592,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total loan and accrued interest amount securitized at inception in 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,656,263&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;              &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:36pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt; Represents LIBOR equivalent cost of funds for floating and fixed-rate bonds, excluding issuance costs. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:45pt;padding-right:49.5pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt; At December 31, 2021, $1.11&#160;billion of our Private Education Loans, including $1.05&#160;billion of principal and $62&#160;million in capitalized interest, were encumbered related to the 2020 transactions. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Consolidated Funding Vehicles &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We consolidate our financing entities that are VIEs as a result of our being the entities&#x2019; primary beneficiary. As a result, these financing VIEs are accounted for as secured borrowings. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.555%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.231%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.398%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.510%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.526%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.510%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.526%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.510%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.526%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.510%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.526%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.510%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.526%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.946%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.526%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.519%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Debt Outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Carrying Amount of Assets Securing Debt Outstanding&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Short-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Long-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Restricted Cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Other Assets&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loan term securitizations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,994,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,994,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,029,034&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;210,741&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;357,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,597,757&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured Borrowing Facility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,994,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,994,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,029,034&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;210,741&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;358,849&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,598,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.833%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.175%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.394%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.479%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.524%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.479%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.814%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.479%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.524%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.479%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.524%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.479%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.524%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.914%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.524%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.488%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2020 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Debt Outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Carrying Amount of Assets Securing Debt Outstanding&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Short-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Long-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Restricted Cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Other Assets&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loan term securitizations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,661,123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;154,417&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;356,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,172,507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured Borrowing Facility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;436&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;436&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,661,123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;154,417&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;357,403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,172,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:36pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other assets primarily represent accrued interest receivable.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Unconsolidated VIEs&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Private Education Loan Securitizations&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Unconsolidated VIEs include variable interests that we hold in certain securitization trusts created by the sale of our Private Education Loans to unaffiliated third-parties in the first quarter of 2020 and the first six months of 2021. We remained the servicer of these loans pursuant to applicable servicing agreements executed in connection with the sales, and we are also the administrator of these trusts. Additionally, we own five percent of the securities issued by the trusts in order to meet risk retention requirements. We were not required to consolidate these entities because while as servicer we may have a significant impact on economic performance, the risk of absorbing losses that could be significant is low.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;2021-A Transaction&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On February 9, 2021, we closed an SMB Private Education Loan Trust 2021-A term ABS transaction (the &#x201c;2021-A Transaction&#x201d;), in which the unaffiliated third-party sold to the trust approximately $2.5&#160;billion of Private Education Loans that the third-party seller previously purchased from us on January 8, 2021. In the 2021-A Transaction, we were the sponsor, servicer and administrator, and the seller of an additional $130&#160;million of Private Education Loans into the trust. The sale of such additional loans qualified for sale treatment and removed these loans from our balance sheet on the settlement date of the 2021-A Transaction and we recorded an $18&#160;million gain on sale associated with this transaction. In connection with the 2021-A Transaction settlement, we retained a five percent vertical risk retention interest (i.e., five percent of each class issued in the securitization). We classified those vertical risk retention interests related to the 2021-A Transaction as available-for-sale investments, except for the interest in the residual class, which we classified as a trading investment recorded at fair value with changes recorded through earnings.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;2021-C Transaction&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On May 27, 2021, we closed an SMB Private Education Loan Trust 2021-C term ABS transaction (the &#x201c;2021-C Transaction&#x201d;), in which the unaffiliated third-party sold to the trust approximately $505&#160;million of Private Education Loans that the third-party seller previously purchased from us on January 8, 2021. In the 2021-C Transaction, we were the sponsor, servicer and administrator, and the seller of an additional $27&#160;million of Private Education Loans into the trust. The sale of such additional loans qualified for sale treatment and removed these loans from our balance sheet on the settlement date of the 2021-C Transaction and we recorded an $4&#160;million gain on sale associated with this transaction. In connection with the 2021-C Transaction settlement, we retained a five percent vertical risk retention interest (i.e., five percent of each class issued in the securitization). We classified those vertical risk retention interests related to the 2021-C Transaction as available-for-sale investments, except for the interest in the residual class, which we classified as a trading investment recorded at fair value with changes recorded through earnings.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The table below provides a summary of our exposure related to our unconsolidated VIEs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.166%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:23.487%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.120%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.616%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.780%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.461%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.285%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.966%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:2.035%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.626%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.285%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.626%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.615%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.298%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Debt Interests&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Equity Interests&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total Exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Debt Interests&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Equity Interests&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total Exposure&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loan term securitizations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;192,245&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;37,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;229,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;68,908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;85,831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:72pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1) Vertical risk retention interest classified as available-for-sale investment.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:72pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2) Vertical risk retention interest classified as trading investment. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Other Borrowing Sources&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We maintain discretionary uncommitted Federal Funds lines of credit with various correspondent banks, which totaled $125 million at December 31, 2021. The interest rate we are charged on these lines of credit is priced at Fed Funds plus a spread at the time of borrowing, and is payable daily. We did not utilize these lines of credit in the years ended December 31, 2021 and 2020.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We established an account at the FRB to meet eligibility requirements for access to the Primary Credit borrowing facility at the FRB&#x2019;s Discount Window (the &#x201c;Window&#x201d;). The Primary Credit borrowing facility is a lending program available to depository institutions that are in generally sound financial condition. All borrowings at the Window must be fully collateralized. We can pledge asset-backed and mortgage-backed securities, as well as FFELP Loans and Private Education Loans, to the FRB as collateral for borrowings at the Window. Generally, collateral value is assigned based on the estimated fair value of the pledged assets. At December 31, 2021 and December 31, 2020, the value of our pledged collateral at the FRB totaled $3.3 billion and $3.8 billion, respectively. The interest rate charged to us is the discount rate set by the FRB. We did not utilize this facility in the years ended December 31, 2021 and 2020.&lt;/span&gt;&lt;/div&gt;</us-gaap:DebtDisclosureTextBlock>
    <us-gaap:ScheduleOfDebtTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzkxNjk_fd512613-6463-4b6f-91f5-7d5e5dbb105b">The following table summarizes our secured borrowings at December 31, 2021 and 2020. &lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.583%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:26.946%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.534%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.472%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.534%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.060%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.534%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.206%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.974%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.060%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.534%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.206%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.534%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.506%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Short-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Long-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Short-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Long-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Unsecured borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Unsecured debt (fixed-rate)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;986,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;986,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total unsecured borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;986,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;986,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Secured borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loan term securitizations:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Fixed-rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,897,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,897,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,261,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,261,233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Variable-rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,046,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,046,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,235,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,235,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Private Education Loan term securitizations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,944,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,944,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured Borrowing Facility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total secured borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,944,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,944,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,930,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,930,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,189,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,189,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;</us-gaap:ScheduleOfDebtTableTextBlock>
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      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzkxNzg_77f6aa81-281d-4544-86be-570e35f878da">The following table summarizes the outstanding short-term borrowings, the weighted average interest rates at the end of the period, and the related average balance and weighted average interest rates during the period. The Secured Borrowing Facility&#x2019;s contractual maturity is two years from the date of inception or renewal (one-year revolving period plus a one-year amortization period); however, we classify advances under our Secured Borrowing Facility as short-term borrowings because it is our intention to repay those advances within one year. The 5.125 percent unsecured Senior Notes due April 5, 2022, which we redeemed in the fourth quarter of 2021, were classified as short-term borrowings in April of 2021, and are included in the table below. &lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.305%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:38.273%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.232%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.232%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.232%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.623%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.239%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended&lt;br/&gt;December 31, 2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average&lt;br/&gt;Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average&lt;br/&gt;Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Short-term borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Unsecured Debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;122,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured Borrowing Facility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total short-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;122,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Maximum outstanding at any month end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;199,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:27pt;padding-right:27pt;text-align:center;text-indent:-4.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:83.750%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:37.871%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.629%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.327%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.629%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.327%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.629%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.327%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.629%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.332%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended&lt;br/&gt;December 31, 2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average&lt;br/&gt;Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Interest Rate&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Short-term borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured Borrowing Facility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;45,820&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;24.99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Maximum outstanding at any month end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td 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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzkxNTk_afbb6957-7b45-461e-97a3-9cb608c15ce9">&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the outstanding long-term borrowings, the weighted average interest rates at the end of the period and the related average balance during the period. Rates reflect stated interest of borrowings and related discounts and premiums. The long-term borrowings amortize over time and mature serially from 2025 to 2053. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.638%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:25.365%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.592%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.468%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.592%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.676%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.592%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.468%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.543%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.468%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.592%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.676%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.592%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.476%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended&lt;br/&gt;December 31, 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended&lt;br/&gt;December 31, 2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average&lt;br/&gt;Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Ending Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average&lt;br/&gt;Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Average Balance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Floating-rate borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,046,857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.05&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,073,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,235,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.09&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,432,446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Fixed-rate borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,884,133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,094,640&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,954,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.08&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,316,425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total long-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,930,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,167,682&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,189,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,748,871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfDebtInstrumentsTextBlock>
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style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.205%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.594%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.011%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.883%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.761%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.066%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.205%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.494%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.767%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Stated Maturity&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Maturity to Call Date&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Brokered Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Unsecured Debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Secured Borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Brokered Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Unsecured Debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Secured Borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid 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colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,918,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;718,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,636,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,918,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;718,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,636,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,033,829&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;698,078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,731,907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,033,829&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;698,078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,731,907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,236,522&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;687,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,924,122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,236,522&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;687,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,924,122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;270,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;500,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;648,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,418,489&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;270,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;500,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;648,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,418,489&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,033,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;500,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;618,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,151,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,033,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;500,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;618,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,151,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2027 and after&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,750,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,797,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,750,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,797,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,539,574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,000,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,121,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,660,602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,539,574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,000,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,121,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,660,602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Hedge accounting adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;33,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;33,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;33,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;33,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,573,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,000,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,121,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,694,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,573,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,000,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,121,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,694,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:18pt;text-indent:-4.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;We view our securitization trust debt as long-term based on the contractual maturity dates and projected principal paydowns based on our current estimates regarding loan prepayment speeds. The projected principal paydowns in year 2022 include $718 million related to the securitization trust debt.&lt;/span&gt;&lt;/div&gt;</us-gaap:ScheduleOfMaturitiesOfLongTermDebtTableTextBlock>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzkxODE_913c5531-2502-45f1-98d2-2ce4f827da1d">&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Secured Financings&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following summarizes our secured financings issued in 2020 and 2021:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.333%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:24.057%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.586%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:16.038%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.586%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.579%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.586%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:26.101%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.586%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.581%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Date Issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total Issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Cost of Funds&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted Average Life&lt;br/&gt;(in years)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Private Education Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2020-A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;February 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;636,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1-month LIBOR plus 0.88%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.18&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2020-B&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;August 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;707,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1-month LIBOR plus 1.30%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.14&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total notes issued in 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,343,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total loan and accrued interest amount securitized at inception in 2020&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,463,230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2021-B&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;May 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;531,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1-month LIBOR plus 0.77%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2021-D&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;August 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;527,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1-month LIBOR plus 0.69%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.22&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2021-E&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;November 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;534,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1-month LIBOR plus 0.69%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.15&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total notes issued in 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,592,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total loan and accrued interest amount securitized at inception in 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,656,263&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;              &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:36pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt; Represents LIBOR equivalent cost of funds for floating and fixed-rate bonds, excluding issuance costs. &lt;/span&gt;&lt;/div&gt;(2) At December 31, 2021, $1.11&#160;billion of our Private Education Loans, including $1.05&#160;billion of principal and $62&#160;million in capitalized interest, were encumbered related to the 2020 transactions.</us-gaap:ScheduleOfSecuritiesFinancingTransactionsTextBlock>
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      unitRef="usd">62000000</slm:LoansPledgedAsCollateralCapitalizedInterest>
    <us-gaap:ScheduleOfVariableInterestEntitiesTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjQvZnJhZzphODIxMGYxNTNjNGM0NTRhYmE1NjA0YzdlMTVkNDI5ZC90ZXh0cmVnaW9uOmE4MjEwZjE1M2M0YzQ1NGFiYTU2MDRjN2UxNWQ0MjlkXzkxOTA_035b1a13-c3a8-45fa-b565-65e0662353dd">We consolidate our financing entities that are VIEs as a result of our being the entities&#x2019; primary beneficiary. As a result, these financing VIEs are accounted for as secured borrowings. &lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.555%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.231%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.398%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.510%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.526%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.510%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.526%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.510%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.526%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.510%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.526%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.510%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.526%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.946%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.526%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.519%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Debt Outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Carrying Amount of Assets Securing Debt Outstanding&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Short-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Long-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Restricted Cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Other Assets&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loan term securitizations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,994,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,994,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,029,034&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;210,741&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;357,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,597,757&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured Borrowing Facility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,994,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,994,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,029,034&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;210,741&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;358,849&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,598,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.833%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:18.175%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.394%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.479%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.524%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.479%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.814%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.479%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.524%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.479%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.524%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.479%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.524%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.914%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.524%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.488%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2020 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Debt Outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Carrying Amount of Assets Securing Debt Outstanding&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Short-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Long-Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Restricted Cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Other Assets&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loan term securitizations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,661,123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;154,417&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;356,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,172,507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Secured Borrowing Facility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;436&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;436&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,496,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,661,123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;154,417&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;357,403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,172,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:36pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Other assets primarily represent accrued interest receivable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The table below provides a summary of our exposure related to our unconsolidated VIEs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:84.166%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:23.487%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.120%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.616%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.780%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.461%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.285%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.966%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:2.035%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.626%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.285%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.626%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.615%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.298%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Debt Interests&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Equity Interests&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total Exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Debt Interests&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Equity Interests&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total Exposure&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loan term securitizations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;192,245&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;37,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;229,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;68,908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;85,831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:72pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1) Vertical risk retention interest classified as available-for-sale investment.&lt;/span&gt;&lt;/div&gt;(2) Vertical risk retention interest classified as trading investment.</us-gaap:ScheduleOfVariableInterestEntitiesTextBlock>
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzEwMjMw_bffb22a8-892f-455e-9ead-d89f12a85008">Derivative Financial Instruments &lt;div style="margin-top:5pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Risk Management Strategy&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We maintain an overall interest rate risk management strategy that incorporates the use of derivative instruments to reduce the economic effect of interest rate changes. Our goal is to manage interest rate sensitivity by modifying the repricing frequency and underlying index characteristics of certain balance sheet assets or liabilities so any adverse impacts related to movements in interest rates are managed within low to moderate limits. As a result of interest rate fluctuations, hedged balance sheet positions will appreciate or depreciate in market value or create variability in cash flows. Income or loss on the derivative instruments linked to the hedged item will generally offset the effect of this unrealized appreciation or depreciation or volatility in cash flows for the period the item is being hedged. We view this strategy as a prudent management of interest rate risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Although we use derivatives to reduce the risk of interest rate changes, the use of derivatives does expose us to both market and credit risk. Market risk is the chance of financial loss resulting from changes in interest rates and market liquidity. Credit risk is the risk that a counterparty will not perform its obligations under a contract and it is limited to the loss of the fair value gain in a derivative that the counterparty owes us less collateral held and plus collateral posted. When the fair value of a derivative contract less collateral held and plus collateral posted is negative, we owe the counterparty and, therefore, we have no credit risk exposure to the counterparty; however, the counterparty has exposure to us. We minimize the credit risk in derivative instruments by entering into transactions with reputable counterparties that are reviewed regularly by our Credit Department. We also maintain a policy of requiring that all derivative contracts be governed by an International Swaps and Derivatives Association, Inc. Master Agreement. Depending on the nature of the derivative transaction, bilateral collateral arrangements are required as well. When we have more than one outstanding derivative transaction with the counterparty, and there exists legally enforceable netting provisions with the counterparty (i.e., a legal right to offset receivable and payable derivative contracts), the &#x201c;net&#x201d; mark-to-market exposure, less collateral held and plus collateral posted, represents exposure with the counterparty. We refer to this as the &#x201c;net position.&#x201d; When there is a net negative exposure, we consider our exposure to the counterparty and the net position to be zero. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Title VII of the Dodd-Frank Act requires all standardized derivatives, including most interest rate swaps, to be submitted for clearing to central counterparties to reduce counterparty risk. Two of the central counterparties we use are the CME and the LCH. All variation margin payments on derivatives cleared through the CME and LCH are accounted for as legal settlement. As of December 31, 2021, $5.2 billion notional of our derivative contracts were cleared on the CME and $0.3 billion were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent 94.4 percent and 5.6 percent, respectively, of our total notional derivative contracts of $5.5 billion at December 31, 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For derivatives cleared through the CME and LCH, the net gain (loss) position includes the variation margin amounts as settlement of the derivative and not collateral against the fair value of the derivative. The amount of variation margin included as settlement as of December 31, 2021 was $(72) million and $8 million for the CME and LCH, respectively. Changes in fair value for derivatives not designated as hedging instruments are presented as realized gains (losses). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our exposure is limited to the value of the derivative contracts in a gain position less any collateral held and plus any collateral posted. When there is a net negative exposure, we consider our exposure to the counterparty to be zero. At December&#160;31, 2021 and 2020, we had a net positive exposure (derivative gain positions to us, less collateral held by us and plus collateral posted with counterparties) related to derivatives of $9 million and $43 million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Accounting for Derivative Instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The accounting for derivative instruments requires that every derivative instrument, including certain derivative instruments embedded in other contracts, be recorded on the balance sheet as either an asset or liability measured at fair value. Our derivative instruments are classified and accounted for by us as fair value hedges, cash flow hedges, and trading hedges. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Fair Value Hedges&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We generally use fair value hedges to offset the exposure to changes in fair value of a recognized fixed-rate liability. We enter into interest rate swaps to economically convert fixed-rate liabilities into variable-rate liabilities. For fair value hedges, we generally consider all components of the derivative&#x2019;s gain and/or loss when assessing hedge effectiveness and generally hedge changes in fair values due to interest rates. For fair value hedges, the entire change in the fair value of the hedging instrument included in the assessment of hedge effectiveness is recorded in the same line item in the consolidated statements of income that is used to present the earnings effect of the hedged component of the hedged item. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Cash Flow Hedges&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We use cash flow hedges to hedge the exposure to variability in cash flows of floating-rate liabilities. This strategy is used primarily to minimize the exposure to volatility in cash flows from future changes in interest rates. In assessing hedge effectiveness, generally all components of each derivative&#x2019;s gains or losses are included in the assessment. We hedge exposure to changes in cash flows due to changes in interest rates or total changes in cash flow. For cash flow hedges, the entire change in the fair value of the hedging instrument included in the assessment of hedge effectiveness is recorded in other comprehensive income (loss). Those amounts are subsequently reclassified to earnings, in the same line item in the consolidated statements of income as impacted by the hedged item, when the hedged item affects earnings.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Amounts reported in accumulated other comprehensive income related to derivatives will be reclassified to interest expense as interest payments are made on our variable-rate deposits. During the next twelve months, we estimate that $13&#160;million will be reclassified as an increase to interest expense.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Trading Activities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When derivative instruments do not qualify for hedge accounting treatment, they are accounted for at fair value with all changes in fair value recorded through earnings. All of our derivative instruments entered into with maturities of less than three years are economically hedging risk, but do not receive hedge accounting treatment. Trading derivatives also include any hedges that originally received hedge accounting treatment, but lost hedge accounting treatment due to failed effectiveness testing, as well as the activity of certain derivatives&#160;prior to those derivatives receiving hedge accounting treatment.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Summary of Derivative Financial Statement Impact&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables summarize the fair values and notional amounts of all derivative instruments at December&#160;31, 2021 and 2020, and their impact on earnings and other comprehensive income for the years ended December&#160;31, 2021, 2020, and 2019. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%"&gt;Impact of Derivatives on the Consolidated Balance Sheets&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.944%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.948%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.373%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.349%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.946%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.507%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Cash Flow Hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Fair Value Hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair Values&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Hedged Risk Exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:700;line-height:100%"&gt;Derivative Assets:&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.52pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Interest rate swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;135&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:700;line-height:100%"&gt;Derivative Liabilities:&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.52pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Interest rate swaps &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(231)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Total net derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(231)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;135&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;    &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt"&gt;Fair values reported include variation margin as legal settlement of the derivative contract. Assets and liabilities are presented without consideration of master netting agreements. Derivatives are carried on the balance sheet based on net position by counterparty under master netting agreements and classified in other assets or other liabilities depending on whether in a net positive or negative position.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt"&gt;The following table reconciles gross positions with the impact of master netting agreements to the balance sheet classification:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:69.305%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:36.374%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.802%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.529%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.802%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.529%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.802%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.529%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.802%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.531%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Other Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Other Liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Gross position&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Impact of master netting agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(176)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Derivative values with impact of master netting agreements (as carried on balance sheet)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;1,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Cash collateral pledged&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;9,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;42,874&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Net position&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;10,972&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;43,427&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;__________&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:49.5pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:0.45pt"&gt;Gross position amounts include accrued interest and variation margin as legal settlement of the derivative contract. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:49.5pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:0.45pt"&gt;Cash collateral pledged excludes amounts that represent legal settlement of the derivative contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.888%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.692%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.131%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.367%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.539%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.811%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.539%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.811%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.539%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.959%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.539%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.959%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.539%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.811%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.539%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.219%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.539%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.967%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="51" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Notional Values&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Cash Flow&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,438,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,018,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,915,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,845,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;181,953&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,693,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,536,096&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,557,883&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,053,760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,053,760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Net total notional&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,438,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,018,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,915,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,845,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,235,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,693,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,589,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,557,883&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December 31, 2021 and 2020, the following amounts were recorded on the consolidated balance sheet related to cumulative basis adjustments for fair value hedges:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.666%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:38.211%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.705%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.849%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.705%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.849%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.973%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.849%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.705%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.854%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:45pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;br/&gt;&lt;/span&gt;&lt;span style="font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Line Item in the Balance Sheet in Which the Hedged Item is Included:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Carrying Amount of the Hedged Assets/(Liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(3,963,268)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,992,867)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(50,784)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(154,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:72pt"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%"&gt;Impact of Derivatives on the Consolidated Statements of Income&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:72.638%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:47.274%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.285%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.769%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.756%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.387%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.756%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.773%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years Ended December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline"&gt;Fair Value Hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Interest rate swaps:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Interest recognized on derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;85,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;71,668&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(8,806)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Hedged items recorded in interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;103,450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(91,087)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(77,350)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Derivatives recorded in interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(103,431)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;91,419&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;77,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;85,869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;72,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(8,979)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline"&gt;Cash Flow Hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Interest rate swaps:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Amount of gain (loss) reclassified from accumulated other comprehensive income into interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(20,852)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(16,000)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(20,852)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(16,000)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline"&gt;Trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Interest rate swaps:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Change in fair value of future interest payments recorded in earnings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(23,216)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(23,216)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;41,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;66,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,789&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%"&gt;Impact of Derivatives on the Statements of Changes in Stockholders&#x2019; Equity&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.694%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:55.139%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.906%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.352%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.610%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.028%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.610%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.355%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years Ended December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Amount of gain (loss) recognized in other comprehensive income (loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;27,259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(52,511)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(36,115)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Less: Amount of gain (loss) reclassified in interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(20,852)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(16,000)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total change in other comprehensive income (loss) for unrealized gains (losses) on derivatives, before income tax (expense) benefit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;48,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(36,511)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(38,414)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;padding-right:18pt;text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Cash Collateral&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December 31, 2021, cash collateral held and pledged excludes amounts that represent legal settlement of the derivative contracts held with the CME and LCH. There was no cash collateral held by us related to derivative exposure between us and our derivatives counterparties at December 31, 2021 and 2020, respectively. Collateral held is recorded in &#x201c;Other Liabilities&#x201d; on the consolidated balance sheets. Cash collateral pledged related to derivative exposure between us and our derivatives counterparties was $10&#160;million and $43 million at December 31, 2021 and 2020, respectively. Collateral pledged is recorded in &#x201c;Other interest-earning assets&#x201d; on the consolidated balance sheets.&lt;/span&gt;&lt;/div&gt;</us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock>
    <slm:NumberOfCounterparties
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on the Consolidated Balance Sheets&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.944%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.948%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.373%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.349%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.946%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.495%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.516%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.507%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Cash Flow Hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Fair Value Hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair Values&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid 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1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:700;line-height:100%"&gt;Derivative Assets:&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.52pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Interest rate swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;135&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-style:italic;font-weight:700;line-height:100%"&gt;Derivative Liabilities:&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.52pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Interest rate swaps &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(231)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;Total net derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(231)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;135&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;1,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;    &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt"&gt;Fair values reported include variation margin as legal settlement of the derivative contract. Assets and liabilities are presented without consideration of master netting agreements. Derivatives are carried on the balance sheet based on net position by counterparty under master netting agreements and classified in other assets or other liabilities depending on whether in a net positive or negative position.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt"&gt;The following table reconciles gross positions with the impact of master netting agreements to the balance sheet classification:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:69.305%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:36.374%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.802%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.529%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.802%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.529%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.802%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.529%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.802%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.531%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Other Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Other Liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Gross position&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Impact of master netting agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(176)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Derivative values with impact of master netting agreements (as carried on balance sheet)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;1,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Cash collateral pledged&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;9,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;43,427&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;__________&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:49.5pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:0.45pt"&gt;Gross position amounts include accrued 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colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Gross position&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Impact of master netting agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(176)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Derivative values with impact of master netting agreements (as carried on balance sheet)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;1,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Cash collateral pledged&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;9,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;42,874&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Net position&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;10,972&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;43,427&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;__________&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:49.5pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:0.45pt"&gt;Gross position amounts include accrued interest and variation margin as legal settlement of the derivative contract. &lt;/span&gt;&lt;/div&gt;(2)Cash collateral pledged excludes amounts that represent legal settlement of the derivative contracts.</us-gaap:OffsettingAssetsTableTextBlock>
    <us-gaap:OffsettingLiabilitiesTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzEwMjI2_410b9d83-2be2-4dcd-a384-4e155a26aa20">The following table reconciles gross positions with the impact of master netting agreements to the balance sheet classification:&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:69.305%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:36.374%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.802%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.529%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.802%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.529%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.802%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.529%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.802%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:13.531%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Other Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;Other Liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Gross position&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Impact of master netting agreement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(176)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Derivative values with impact of master netting agreements (as carried on balance sheet)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;1,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Cash collateral pledged&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;9,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;42,874&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;Net position&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;10,972&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;43,427&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;__________&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:49.5pt;text-indent:-9pt"&gt;&lt;span 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style="color:#134f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,438,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,018,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,915,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,845,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;181,953&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,693,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,536,096&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,557,883&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,053,760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,053,760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Net total notional&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,438,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,018,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,915,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,845,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,235,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,693,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,589,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span 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&lt;br/&gt;(dollars in thousands)&lt;br/&gt;&lt;/span&gt;&lt;span style="font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Line Item in the Balance Sheet in Which the Hedged Item is Included:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Carrying Amount of the Hedged Assets/(Liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span 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    <us-gaap:ScheduleOfDerivativesInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMjcvZnJhZzo4YzQyYzNhZmNmNGY0YmVmYjU1MDc0MjgzYzk5YTFlMC90ZXh0cmVnaW9uOjhjNDJjM2FmY2Y0ZjRiZWZiNTUwNzQyODNjOTlhMWUwXzEwMjUx_1272966e-5b6f-4ae2-bfe8-37a5ff14c65f">&lt;div style="padding-left:72pt"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%"&gt;Impact of Derivatives on the Consolidated Statements of Income&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:72.638%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:47.274%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.285%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.769%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.756%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.387%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.756%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.773%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years Ended December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline"&gt;Fair Value Hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Interest rate swaps:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Interest recognized on derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;85,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;71,668&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(8,806)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Hedged items recorded in interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;103,450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(91,087)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(77,350)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Derivatives recorded in interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(103,431)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;91,419&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;77,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;85,869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;72,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(8,979)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline"&gt;Cash Flow Hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Interest rate swaps:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Amount of gain (loss) reclassified from accumulated other comprehensive income into interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(20,852)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(16,000)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(20,852)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(16,000)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%;text-decoration:underline"&gt;Trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td 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Redemption would include any accrued and unpaid dividends for the then current quarterly dividend period, up to the redemption date. The shares have no preemptive or conversion rights and are not exchangeable for any of our other securities or property. Dividends are not mandatory and are paid quarterly, when, as, and if declared by the Board of Directors. Holders of Series B Preferred Stock are entitled to receive quarterly dividends based on 3-month LIBOR plus 170 basis points per annum in arrears. Upon liquidation or dissolution of the Company, holders of the Series B Preferred Stock are entitled to receive $100 per share, plus an amount equal to accrued and unpaid dividends for the then current quarterly dividend period, pro rata, and before any distribution of assets is made to holders of our common stock. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In October 2020, we initiated a cash tender offer to purchase up to 2,000,000 shares of our Series B Preferred Stock. On November 30, 2020, we accepted for purchase 1,489,304 shares of the Series B Preferred Stock at a purchase price of $45 per share plus an amount equal to accrued and unpaid dividends, for an aggregate purchase price of approximately $68&#160;million. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Common Stock &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our shareholders have authorized the issuance of 1.125 billion shares of common stock (par value of $0.20). At December&#160;31, 2021, 279&#160;million shares were issued and outstanding and 41&#160;million shares were unissued but encumbered for outstanding stock options, restricted stock, restricted stock units, performance stock units, and dividend equivalent units for employee compensation and remaining authority for stock-based compensation plans. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Common Stock Dividends&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In the year ended December 31, 2021, we paid a total common stock dividend of $0.20 per common share. In both years ended December 31, 2020 and 2019, we paid a total common stock dividend of $0.12 per common share, respectively. Common stock dividend declarations are subject to determination by, and the discretion of, our Board of Directors. We may change our common stock dividend policy at any time. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We are dependent on funds obtained from the Bank to fund dividend payments. Regulatory and other legal restrictions may limit our ability to transfer funds freely, either to or from our subsidiaries. In particular, the Bank is subject to laws and regulations that authorize regulatory bodies to block or reduce the flow of funds to us, or that prohibit such transfers altogether in certain circumstances. These laws, regulations, and rules may hinder our ability to access funds that we may need to make payments in respect of our stock or to satisfy our other responsibilities. The FDIC has the authority to prohibit or limit the payment of dividends by the Bank and SLM Corporation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Share Repurchases&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The January 23, 2019 share repurchase program (the &#x201c;2019 Share Repurchase Program&#x201d;), which was effective upon announcement and expired on January 22, 2021, permitted us to repurchase from time to time shares of our common stock up to an aggregate repurchase price not to exceed $200 million. We have utilized all capacity under our 2019 Share Repurchase Program, having repurchased 17 million shares of common stock for $167 million in the year ended December&#160;31, 2019 and 3&#160;million shares of common stock for $33&#160;million in the year ended December 31, 2020. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On January 22, 2020, we announced another share repurchase program (the &#x201c;2020 Share Repurchase Program&#x201d;), which was effective upon announcement and expires on January 21, 2022, and permits us to repurchase shares of common stock from time to time up to an aggregate repurchase price not to exceed $600 million. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt;Under the authority of the 2020 Share Repurchase Program, on March 10, 2020, we entered into an accelerated share repurchase agreement (&#x201c;ASR&#x201d;) with a third-party financial institution under which we paid $525&#160;million for an upfront delivery of our common stock and a forward agreement. On March 11, 2020, the third-party financial institution delivered to us approximately 45&#160;million shares. The final total actual number of shares of common stock delivered to us pursuant to the forward agreement was based generally upon a volume-weighted average price at which the shares of our common stock traded during the regular trading sessions on the NASDAQ Global Select Market during the term of the ASR. The transactions were accounted for as equity transactions and were included in treasury stock when the shares were received, at which time there was an immediate reduction in the weighted average common shares calculation for basic and diluted earnings per share. On January 26, 2021, we completed the ASR and upon final settlement on January 28, 2021, we received an additional 13&#160;million shares. In total, we repurchased 58&#160;million shares under the ASR at an average price per share of $9.01. &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt;Under the 2020 Share Repurchase Program, we also repurchased an additional 4&#160;million shares of common stock for $75&#160;million in the three months ended March 31, 2021. We have now utilized all capacity under the 2020 Share Repurchase Program. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On January 27, 2021, we announced another share repurchase program (the &#x201c;2021 Share Repurchase Program&#x201d;), which was effective upon announcement and expires on January 26, 2023, and originally permitted us to repurchase shares of our common stock from time to time up to an aggregate repurchase price not to exceed $1.25&#160;billion.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On October 20 2021, we announced a $250&#160;million increase in the amount of common stock that may be repurchased under our 2021 Share Repurchase Program, which expires on January 26, 2023. This is in addition to the original $1.25&#160;billion of authorization announced on January 27, 2021, for a total 2021 Share Repurchase Program authorization of $1.5&#160;billion.  Of the total $1.5&#160;billion 2021 Share Repurchase Program authorization, we repurchased 81.1&#160;million shares of common stock for $1.46&#160;billion in the year ended December 31, 2021. (Those amounts include the shares repurchased under the Tender Offer described below.) There was $38&#160;million of capacity remaining under the 2021 Share Repurchase Program at December 31, 2021. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On January 26, 2022, we announced a new share repurchase program (the &#x201c;2022 Share Repurchase Program&#x201d;), which was effective upon announcement and expires on January 25, 2024, and permits us to repurchase shares of our common stock from time to time up to an aggregate repurchase price not to exceed $1.25&#160;billion.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;So long as there is unexpired capacity under a given repurchase program, repurchases under the programs may occur from time to time and through a variety of methods, including tender offers, open market repurchases, repurchases effected through Rule 10b5-1 trading plans, negotiated block purchases, accelerated share repurchase programs, or other similar transactions. The timing and volume of any repurchases under the 2021 Share Repurchase Program and the 2022 Share Repurchase Program will be subject to market conditions, and there can be no guarantee that the Company will repurchase up to the limit of the programs or at all.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%"&gt;Common Stock Tender Offer&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On February 2, 2021, we announced the commencement of a &#x201c;modified Dutch Auction&#x201d; tender offer (the &#x201c;Tender Offer&#x201d;) to purchase up to $1&#160;billion in aggregate purchase price of our outstanding shares of common stock, par value $0.20 per share. Pursuant to the Tender Offer, we repurchased 28.5&#160;million shares at a price of $16.50 per share. The purchase of shares settled on March 16, 2021, for an aggregate cost of approximately $472&#160;million, including fees and expenses related to the Tender Offer. We cancelled the 28.5&#160;million shares purchased in connection with the Tender Offer. This cancellation decreased the balances of common stock by $6&#160;million and of additional paid-in capital by $466&#160;million, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%"&gt;Share Repurchases under our Rule 10b5-1 Trading Plans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:107%"&gt;During the year ended December 31, 2021, we repurchased 57&#160;million shares of our common stock at a total cost of $1.1&#160;billion under Rule 10b5-1 trading plans authorized under our share repurchase programs. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes our common share repurchases and issuances associated with these programs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.166%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:54.514%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.677%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.707%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.378%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.707%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.080%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.937%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years Ended December 31, &lt;br/&gt;(shares and per share amounts in actuals)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common stock repurchased under repurchase programs&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)(2)(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;98,748,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,736,847&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,962,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Average purchase price per share&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;17.37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9.86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Shares repurchased related to employee stock-based compensation plans&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,368,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,197,843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,369,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Average purchase price per share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14.70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common shares issued&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(6)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,786,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 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Roman',sans-serif;font-size:4pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:78.75pt;padding-right:36pt;text-indent:-15.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Common shares purchased under our share repurchase programs. 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    <us-gaap:ScheduleOfTreasuryStockByClassTextBlock
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzc5OTk_a8099e6f-db3a-46ea-9c9e-0164cbfce2a9">&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes our common share repurchases and issuances associated with these programs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.166%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:54.514%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.677%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.707%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.378%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.707%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.080%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.937%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years Ended December 31, &lt;br/&gt;(shares and per share amounts in actuals)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common stock repurchased under repurchase programs&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)(2)(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;98,748,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,736,847&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,962,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Average purchase price per share&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;17.37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9.86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Shares repurchased related to employee stock-based compensation plans&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,368,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,197,843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,369,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Average purchase price per share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14.70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common shares issued&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(6)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,786,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,129,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,743,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:1pt;padding-left:244.12pt;padding-right:244.12pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:78.75pt;padding-right:36pt;text-indent:-15.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Common shares purchased under our share repurchase programs. 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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzc0NDM_d4675fc5-415c-4501-8974-ca4ccb13b944"
      unitRef="shares">45000000</us-gaap:TreasuryStockSharesAcquired>
    <slm:StockRepurchaseProgramCancelledPurchaseShares
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      decimals="-5"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzEwOTk1MTE2NTY2NzE_c57b1f21-549d-47a8-85da-09740ae95e85"
      unitRef="shares">28500000</slm:StockRepurchaseProgramCancelledPurchaseShares>
    <us-gaap:SharePrice
      contextRef="ic7920eef71ab488282bddb02024b4a03_I20211231"
      decimals="2"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzAvZnJhZzpkNjgxZDU1NjBkMTU0ZWNiOWQ1OGZmOTM4ZjRiYjdjZS90ZXh0cmVnaW9uOmQ2ODFkNTU2MGQxNTRlY2I5ZDU4ZmY5MzhmNGJiN2NlXzc5ODY_a56cef8c-bd7d-42b9-9f6a-4994185f36c0"
      unitRef="usdPerShare">19.67</us-gaap:SharePrice>
    <us-gaap:EarningsPerShareTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90ZXh0cmVnaW9uOjJjM2I3ZmQ5ZTQ0MTRkNjg5Y2FiMTNkMTRmZjM0NmM3Xzg4MA_e0ce0e2c-be38-4867-867f-a71b31316296">Earnings per Common Share&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Basic earnings per common share (&#x201c;EPS&#x201d;) are calculated using the weighted average number of shares of common stock outstanding during each period. A reconciliation of the numerators and denominators of the basic and diluted EPS calculations follows.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.472%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:64.677%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.584%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.732%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.584%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.732%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.584%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.107%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years ended December 31, (amounts in thousands, except per share data)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Numerator:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,160,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;880,690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;578,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Preferred stock dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,736&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net income attributable to SLM Corporation common stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,155,777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;870,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;561,439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Denominator:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Weighted average shares used to compute basic EPS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;314,993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;383,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;427,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Effect of dilutive securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Dilutive effect of stock options, restricted stock, restricted stock units, performance stock units, and Employee Stock Purchase Plan (&#x201c;ESPP&#x201d;) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Weighted average shares used to compute diluted EPS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;319,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;387,195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;430,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Basic earnings per common share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Diluted earnings per common share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:1pt;padding-left:279pt;padding-right:279pt;text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:1pt;padding-left:261pt;padding-right:261pt;text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Includes the potential dilutive effect of additional common shares that are issuable upon exercise of outstanding stock options, restricted stock, restricted stock units, performance stock units, and the outstanding commitment to issue shares under the ESPP, determined by the treasury stock method.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;For the years ended December&#160;31, 2021, 2020, and 2019, securities covering 1 million shares, no shares and no shares, respectively, were outstanding but not included in the computation of diluted earnings per share because they were anti-dilutive.</us-gaap:EarningsPerShareTextBlock>
    <us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzMvZnJhZzoyYzNiN2ZkOWU0NDE0ZDY4OWNhYjEzZDE0ZmYzNDZjNy90ZXh0cmVnaW9uOjJjM2I3ZmQ5ZTQ0MTRkNjg5Y2FiMTNkMTRmZjM0NmM3Xzg3OQ_8ecb25ff-ae2c-438b-9f0f-586052a4f333">A reconciliation of the numerators and denominators of the basic and diluted EPS calculations follows.&lt;div style="margin-top:4.5pt;text-align:center;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.472%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:64.677%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.584%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.732%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.584%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.732%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.584%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.107%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years ended December 31, (amounts in thousands, except per share data)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Numerator:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,160,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;880,690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;578,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Preferred stock dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,736&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net income attributable to SLM Corporation common stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,155,777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;870,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;561,439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Denominator:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Weighted average shares used to compute basic EPS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;314,993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;383,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;427,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Effect of dilutive securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Dilutive effect of stock options, restricted stock, restricted stock units, performance stock units, and Employee Stock Purchase Plan (&#x201c;ESPP&#x201d;) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Weighted average shares used to compute diluted EPS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;319,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;387,195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;430,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Basic earnings per common share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Diluted earnings per common share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:1pt;padding-left:279pt;padding-right:279pt;text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:1pt;padding-left:261pt;padding-right:261pt;text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Includes the potential dilutive effect of additional common shares that are issuable upon exercise of outstanding stock options, restricted stock, restricted stock units, performance stock units, and the outstanding commitment to issue shares under the ESPP, determined by the treasury stock method.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;For the years ended December&#160;31, 2021, 2020, and 2019, securities covering 1 million shares, no shares and no shares, respectively, were outstanding but not included in the computation of diluted earnings per share because they were anti-dilutive.</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzYvZnJhZzpmNzNlYzY0ZTgxZjk0YTdmYTI5ZDNmMTNkZTQ2ODE3Ny90ZXh0cmVnaW9uOmY3M2VjNjRlODFmOTRhN2ZhMjlkM2YxM2RlNDY4MTc3XzcwNDA_f9d2c327-6363-4840-9a1f-7f15888a581e">Stock-Based Compensation Plans and Arrangements &lt;div style="margin-top:11pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Plan&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt; Summaries &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December&#160;31, 2021, we had one active stock-based compensation plan that provides for grants of equity awards to our employees and non-employee directors.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The SLM Corporation 2021 Omnibus Incentive Plan was approved by shareholders on June&#160;8, 2021, and at December&#160;31, 2021, 21&#160;million shares were authorized to be issued from this plan.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We also maintain an Employee Stock Purchase Plan (the &#x201c;ESPP&#x201d;). The number of shares authorized under the plan at December 31, 2021 was 14 million shares.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Shares issued under these stock-based compensation plans may be either shares reacquired by us or shares that are authorized but unissued.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stock-Based Compensation&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The total stock-based compensation cost recognized in the consolidated statements of income for the years ended December&#160;31, 2021, 2020, and 2019 was $31 million, $36 million, and $31 million, respectively. As of December&#160;31, 2021, there was $18 million of total unrecognized compensation expense related to unvested restricted stock awards, restricted stock units, performance stock units, and ESPP awards, which is expected to be recognized over a weighted average period of 1.4 years. We amortize compensation expense on a straight-line basis over the related vesting periods of each tranche of each award.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:11pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Stock Options&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;There were no stock options granted in the years ended December 31, 2020 and 2019.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;There were 998,891 time-vested options granted in the year ended December 31, 2021. The options were granted solely to members of senior management. The exercise price of the options is equal to 115 percent of the fair market value of a share of our common stock as of the grant date. The options will vest 100 percent on the third anniversary of the respective grant date and expire ten years after the respective grant date. The fair value of each stock option grant was estimated on the date of grant using the Monte Carlo simulation-pricing model. The expected volatility of our common stock at the date of grant is estimated based on a historic volatility rate and the expected option life is calculated based on historical stock option experience as the best estimate of future exercise patterns. The dividend yield assumption is based on historical and anticipated dividend payouts. The risk-free interest rate assumption is based on observed interest rates consistent with the expected life of each stock option grant. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes stock option activity for the year ended December&#160;31, 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-align:center;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.472%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:42.945%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.022%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.745%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.565%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.745%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.565%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.745%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.568%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands, shares and per share amounts in actuals)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Number of&lt;br/&gt;Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted&lt;br/&gt;Average&lt;br/&gt;Exercise&lt;br/&gt;Price&#160;per&lt;br/&gt;Share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted&lt;br/&gt;Average&lt;br/&gt;Remaining&lt;br/&gt;Contractual&lt;br/&gt;Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Aggregate&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Intrinsic&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Value&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Outstanding at December&#160;31, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;241,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;998,891&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;17.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Exercised&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(2)(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(236,275)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Canceled&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(5,400)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Outstanding at December&#160;31, 2021&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;998,891&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;17.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Exercisable at December&#160;31, 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-right:45pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:103.5pt;padding-right:49.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;The aggregate intrinsic value represents the total intrinsic value (the aggregate difference between our closing stock price on December&#160;31, 2021 and the exercise price of in-the-money options) that would have been received by the option holders if all in-the-money options had been exercised on December&#160;31, 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;The total intrinsic value of options exercised was $2 million, $3 million, and $4 million for the years ended December&#160;31, 2021, 2020, and 2019, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;No cash was received from option exercises for the year ended December&#160;31, 2021. The actual tax benefit realized for the tax deductions from option exercises totaled less than $1 million for the year ended December&#160;31, 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;For net-settled options, gross number is reflected.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;&#160;&#160;&#160;&#160;Restricted Stock &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Restricted stock awards generally vest over one year. Outstanding restricted stock is entitled to dividend equivalent units that vest subject to the same vesting requirements or lapse of transfer restrictions, as applicable, as the underlying restricted stock award. The fair value of restricted stock awards is based on our stock price at the grant date.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes restricted stock activity for the year ended December&#160;31, 2021. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.194%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:56.179%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:19.663%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.993%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:19.665%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Shares and per share amounts in actuals)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Number&#160;of&lt;br/&gt;Shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted&lt;br/&gt;Average&#160;Grant&lt;br/&gt;Date&lt;br/&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Non-vested at December 31, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;143,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7.69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;54,098&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20.33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Vested&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(143,033)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7.69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Canceled&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,918)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20.33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Non-vested at December 31, 2021&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;49,180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20.33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:139.5pt;padding-right:81pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;The total fair value of shares that vested during the years ended December&#160;31, 2021, 2020, and 2019 was $1 million, $1 million, and $1 million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:139.5pt;padding-right:81pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;As of December&#160;31, 2021, there was $0.4 million of unrecognized compensation cost related to restricted stock, which is expected to be recognized over a weighted average period of 0.4 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Restricted Stock Units and Performance Stock Units &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Restricted stock units (&#x201c;RSUs&#x201d;) and performance stock units (&#x201c;PSUs&#x201d;) are equity awards granted to employees that entitle the holder to shares of our common stock when the award vests. RSUs may be time-vested over three years or vested at grant but subject to transfer restrictions, while PSUs vest based on corporate performance targets at the end of a three-year period. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Outstanding RSUs and PSUs are entitled to dividend equivalent units that vest subject to the same vesting requirements or lapse of transfer restrictions, as applicable, as the underlying award. The fair value of RSUs is based on our stock price at the grant date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes RSU and PSU activity for the year ended December&#160;31, 2021. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.888%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:56.683%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:19.418%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.979%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:19.420%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Shares and per share amounts in actuals)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Number of&lt;br/&gt;RSUs/&lt;br/&gt;PSUs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted&lt;br/&gt;Average&#160;Grant&lt;br/&gt;Date&lt;br/&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Outstanding at December&#160;31, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,721,505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,673,427&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;15.51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Vested and converted to common stock&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(2,944,877)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Canceled&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(141,559)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12.85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Outstanding at December&#160;31, 2021&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,308,496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11.83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;                                                                               &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:139.5pt;padding-right:103.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;The total fair value of RSUs/PSUs that vested and converted to common stock during the years ended December&#160;31, 2021, 2020, and 2019 was $31 million, $26 million, and $27 million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:139.5pt;padding-right:103.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;As of December&#160;31, 2021, there was $15 million of unrecognized compensation cost related to RSUs/PSUs, which is expected to be recognized over a weighted average period of 1.4 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-right:81pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;&#160;&#160;&#160;&#160;Employee Stock Purchase Plan&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Employees may purchase shares of our common stock at the end of a 12-month offering period at a price equal to the share price at the beginning of the 12-month period, less 15 percent, up to a maximum purchase price of $7,500 (whole dollars).  The purchase price for each offering is determined at the beginning of the offering period on August 1.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair values of the stock purchase rights of the ESPP offerings were calculated using a Black-Scholes option pricing model with the following weighted average assumptions:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.833%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:49.266%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.834%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.715%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.834%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.715%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.836%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years ended December 31, (per share amounts in actuals)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Risk-free interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.07&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Expected volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Expected dividend rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Expected life of the option&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1 year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1 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1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands, shares and per share amounts in actuals)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Number of&lt;br/&gt;Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted&lt;br/&gt;Average&lt;br/&gt;Exercise&lt;br/&gt;Price&#160;per&lt;br/&gt;Share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted&lt;br/&gt;Average&lt;br/&gt;Remaining&lt;br/&gt;Contractual&lt;br/&gt;Term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Aggregate&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Intrinsic&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Value&lt;/span&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Outstanding at December&#160;31, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;241,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;998,891&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;17.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Exercised&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(2)(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(236,275)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Canceled&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(5,400)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Outstanding at December&#160;31, 2021&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;998,891&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;17.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Exercisable at December&#160;31, 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-right:45pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:103.5pt;padding-right:49.5pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;The aggregate intrinsic value represents the total intrinsic value (the aggregate difference between our closing stock price on December&#160;31, 2021 and the exercise price of in-the-money options) that would have been received by the option holders if all in-the-money options had been exercised on December&#160;31, 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;The total intrinsic value of options exercised was $2 million, $3 million, and $4 million for the years ended December&#160;31, 2021, 2020, and 2019, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;No cash was received from option exercises for the year ended December&#160;31, 2021. The actual tax benefit realized for the tax deductions from option exercises totaled less than $1 million for the year ended December&#160;31, 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:103.5pt;padding-right:45pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:11.65pt"&gt;For net-settled options, gross number is reflected.&lt;/span&gt;&lt;/div&gt;</us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock>
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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20.33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:139.5pt;padding-right:81pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;span 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style="width:1.0%"/&gt;&lt;td style="width:56.683%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:19.418%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.979%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:19.420%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Shares and per share amounts in actuals)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Number of&lt;br/&gt;RSUs/&lt;br/&gt;PSUs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Weighted&lt;br/&gt;Average&#160;Grant&lt;br/&gt;Date&lt;br/&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Outstanding at December&#160;31, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,721,505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td 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colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Canceled&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(141,559)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 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style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,308,496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11.83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;                                                                               &lt;/span&gt;&lt;/div&gt;&lt;div 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actuals)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" 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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90ZXh0cmVnaW9uOjEzYjE0MGYzMDczYzQ2OTRhZWUxZGJjOGQ2OGYxOTFkXzYwNTQ_f973a66e-96c9-4453-9e9e-9a758cbdb295">Fair Value Measurements &lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We use estimates of fair value in applying various accounting standards for the consolidated financial statements.  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We categorize our fair value estimates based on a hierarchal framework associated with three levels of price transparency utilized in measuring financial instruments at fair value. For additional information regarding our policies for determining fair value and the hierarchical framework, see Note 2, &#x201c;Significant Accounting Policies &#x2014; Fair Value Measurement.&#x201d; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the valuation of our financial instruments that are marked-to-fair value on a recurring basis.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table 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style="width:0.522%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.269%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.522%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.304%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.522%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.269%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.522%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.471%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="45" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair&#160;Value&#160;Measurements&#160;on&#160;a&#160;Recurring Basis&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Level&#160;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid 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1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;37,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;37,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Available-for-sale investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,517,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,517,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,996,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,996,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Derivative instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,519,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;37,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,556,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,997,363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,014,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Derivative instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the fair values of our financial assets and liabilities, including derivative financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.694%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:27.927%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.785%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.930%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.075%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.365%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.365%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.503%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair&lt;br/&gt;Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Carrying&lt;br/&gt;Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Difference&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair&lt;br/&gt;Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Carrying&lt;br/&gt;Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Difference&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Earning assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loans held for investment, net:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,919,836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,625,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,294,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,124,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,436,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,687,203&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;FFELP Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;705,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;748,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;735,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,449&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;25,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,249&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loans held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,226,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,885,640&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;340,389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,334,603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,334,603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,455,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,455,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Trading investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;37,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;37,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Available-for-sale investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,517,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,517,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,996,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,996,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,306,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,205,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;100,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,527,816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,387,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;140,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tax indemnification receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Derivative instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total earning assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;31,856,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;28,446,343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,409,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;34,126,992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;29,944,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,182,834&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Interest-bearing liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Money-market and savings accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,457,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,432,691&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(24,799)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,136,560&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,067,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(68,927)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Certificates of deposit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,451,528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,394,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(57,527)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,799,223&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,597,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(201,957)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Short-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Long-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,000,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,930,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(69,184)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,398,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,189,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(209,092)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Accrued interest payable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;46,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;46,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;60,272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;60,272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Derivative instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total interest-bearing liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;26,956,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;26,804,534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(151,510)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;28,394,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;27,914,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(479,976)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Excess of net asset fair value over carrying value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,258,467&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,702,858&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The methods and assumptions used to estimate the fair value of each class of financial instruments are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Cash and Cash Equivalents&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Cash and cash equivalents are carried at cost. Carrying value approximated fair value for disclosure purposes. These are level 1 valuations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Investments &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Trading &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Investments classified as trading are carried at fair value in the consolidated financial statements. As such, these are level 3 valuations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Available-for-Sale&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Investments classified as available-for-sale are carried at fair value in the consolidated financial statements.  Investments in mortgage-backed securities, U.S. government-sponsored enterprises and Treasury securities, and Utah Housing Corporation bonds are valued using observable market prices of similar assets. As such, these are level 2 valuations. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Loans Held For Investment and Accrued Interest Receivable &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Private Education Loans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For Private Education Loans, fair value was determined by using observable quoted prices for similar assets in our most recent market transactions. Adjustments were then made to account for the value of loans in our portfolio that have materially different characteristics than those included in the most recent market transaction.&#160;These are considered level 2 valuations. A portion of the fair value that has been modeled is attributable to accrued interest receivable that has not yet been capitalized, and has been allocated to the accrued interest receivable line item. The remaining accrued interest receivable that will not be capitalized into the principal balance of the loan is carried at cost.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;FFELP Loans and Credit Cards&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For FFELP Loans and Credit Cards, the fair value was determined by modeling expected loan level cash flows using stated terms of the assets and internally developed assumptions to determine aggregate portfolio yield, net present value, and average life. The significant assumptions used to determine fair value are prepayment speeds, default rates, cost of funds, and required return on equity. Significant inputs into the model are not observable. However, we do calibrate the model based on market transactions when appropriate.&#160; As such, these are level 3 valuations.&#160; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Loans Held For Sale &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our loans held for sale are accounted for at the lower of cost or market. The fair value was determined by using observable quoted prices for similar assets in our most recent market transactions. These are considered level 2 valuations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Tax Indemnification Receivable&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Tax indemnification receivable is carried at cost. The carrying value approximates fair value. This is a level 2 valuation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Money Market and Savings Accounts&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Some of our MMDAs are fixed-rate deposits that are subject to minimum balances for a specified period of time. The fair values of these deposits are estimated using discounted cash flows based on rates currently offered for deposits of similar maturities. These are level 2 valuations. The fair values of our remaining money market and savings accounts equal the amounts payable on demand at the balance sheet date and are reported at their carrying value. These are level 1 valuations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Certificates of Deposit&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair values of CDs are estimated using discounted cash flows based on rates currently offered for deposits of similar remaining maturities. These are level 2 valuations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Accrued Interest Payable&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Accrued interest payable is carried at cost. The carrying value approximates fair value due to its short-term nature. This is a level 1 valuation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Borrowings&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Borrowings are accounted for at cost in the consolidated financial statements. The carrying value of short-term borrowings approximated fair value for disclosure purposes, due to the short-term nature of those borrowings. This is a level 1 valuation.  The fair value of long-term borrowings is estimated using current market prices. This is a level 2 valuation. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Derivatives&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;All derivatives are accounted for at fair value in the consolidated financial statements. The fair value of derivative financial instruments was determined by a standard derivative pricing and option model using the stated terms of the contracts and observable market inputs. It is our policy to compare the derivative fair values to those received from our counterparties in order to evaluate the model&#x2019;s outputs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When determining the fair value of derivatives, we take into account counterparty credit risk for positions where we are exposed to the counterparty on a net basis by assessing exposure net of collateral held. When the counterparty has exposure to us under derivative contracts with the Company, we fully collateralize the exposure (subject to certain thresholds).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Interest rate swaps are valued using a standard derivative cash flow model with a LIBOR swap yield curve, which is an observable input from an active market. These derivatives are level 2 fair value estimates in the hierarchy.&lt;/span&gt;&lt;/div&gt;The carrying value of borrowings designated as the hedged item in a fair value hedge is adjusted for changes in fair value due to changes in the benchmark interest rate (one-month LIBOR). These valuations are determined through standard pricing models using the stated terms of the borrowings and observable yield curves.</us-gaap:FairValueDisclosuresTextBlock>
    <us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xMzkvZnJhZzoxM2IxNDBmMzA3M2M0Njk0YWVlMWRiYzhkNjhmMTkxZC90ZXh0cmVnaW9uOjEzYjE0MGYzMDczYzQ2OTRhZWUxZGJjOGQ2OGYxOTFkXzYwNzY_4c6fe31b-2ddc-4953-8fde-bf03943d5587">&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the valuation of our financial instruments that are marked-to-fair value on a recurring basis.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.111%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:19.853%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.522%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.269%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.522%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.316%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.522%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.269%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.522%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.304%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.522%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.269%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.522%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.304%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.522%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:6.269%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.522%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.471%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="45" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair&#160;Value&#160;Measurements&#160;on&#160;a&#160;Recurring Basis&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Level&#160;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Level&#160;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Level&#160;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Level&#160;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Level&#160;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Level&#160;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Trading investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;37,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;37,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Available-for-sale investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,517,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,517,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,996,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,996,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Derivative instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,519,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;37,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,556,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,997,363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,014,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Derivative instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(252)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span 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style="width:0.1%"/&gt;&lt;td style="width:0.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.785%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.930%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.075%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.365%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:10.365%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.503%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:23pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair&lt;br/&gt;Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Carrying&lt;br/&gt;Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Difference&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair&lt;br/&gt;Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Carrying&lt;br/&gt;Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,625,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,294,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,124,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,436,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,687,203&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;FFELP Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;705,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;748,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;735,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,449&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Credit Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;25,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,249&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loans held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,226,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,885,640&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;340,389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,334,603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,334,603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,455,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,455,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Trading investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;37,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;37,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Available-for-sale investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,517,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,517,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,996,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,996,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,306,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,205,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;100,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,527,816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,387,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;140,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tax indemnification receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Derivative instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total earning assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;31,856,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;28,446,343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,409,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;34,126,992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;29,944,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,182,834&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Interest-bearing liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Money-market and savings accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,457,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,432,691&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(24,799)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,136,560&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,067,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(68,927)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Certificates of deposit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,451,528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,394,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(57,527)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,799,223&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,597,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(201,957)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Short-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Long-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,000,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,930,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(69,184)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,398,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,189,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(209,092)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Accrued interest payable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;46,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;46,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;60,272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;60,272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Derivative instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total interest-bearing liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;26,956,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;26,804,534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(151,510)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;28,394,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;27,914,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(479,976)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" 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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDIvZnJhZzo0YmJlYzQwMGQ5YjM0OWIwODUzYjI2OGQ2NGViMTg4Zi90ZXh0cmVnaW9uOjRiYmVjNDAwZDliMzQ5YjA4NTNiMjY4ZDY0ZWIxODhmXzYzMzk_3543b1ed-d7d2-49f2-8045-e9674ac7fa0a">Arrangements with Navient Corporation &lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In connection with the Spin-Off, we entered into a Separation and Distribution Agreement with Navient (the &#x201c;Separation and Distribution Agreement&#x201d;). We also entered into various other ancillary agreements with Navient to effect the Spin-Off and provide a framework for our relationship with Navient thereafter, such as a transition services agreement, a tax sharing agreement, an employee matters agreement, a loan servicing and administration agreement, a joint marketing agreement, a key services agreement, a data sharing agreement, and a master sublease agreement. The majority of these agreements were transitional in nature with most having terms that have expired or will expire within the next year.  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We continue to have exposure to risks related to Navient&#x2019;s creditworthiness. If we are unable to obtain indemnification payments from Navient, our results of operations and financial condition could be materially and adversely affected. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Pursuant to the terms of the Spin-Off and applicable law, Navient is responsible for all liabilities (whether accrued, contingent, or otherwise and whether known or unknown) arising out of or resulting from the conduct of pre-Spin-Off SLM and its subsidiaries&#x2019; businesses prior to the Spin-Off, other than certain specifically identified liabilities relating to the conduct of our consumer banking business for which the Bank is responsible. Nonetheless, given the prior usage of the Sallie Mae and SLM names by entities now owned by Navient, we and our subsidiaries may from time to time be improperly named as defendants in legal proceedings where the allegations at issue are the legal responsibility of Navient. Most of these legal proceedings involve matters that arose in whole or in part in the ordinary course of business of pre-Spin-Off SLM. Likewise, as the period of time since the Spin-Off increases, so does the likelihood any allegations that may be made may be in part for our own actions in a post-Spin-Off time period and in part for Navient&#x2019;s conduct in a pre-Spin-Off time period. We will not be providing information on these proceedings unless there are material issues of fact or disagreement with Navient as to the bases of the proceedings or responsibility therefor that we believe could have a material, adverse impact on our business, assets, financial condition, liquidity, or outlook if not resolved in our favor. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We briefly summarize below some of the most significant agreements and relationships we continue to have with Navient. For additional information regarding the Separation and Distribution Agreement and the other ancillary agreements, see our Current Report on Form 8-K filed on May 2, 2014.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Separation and Distribution Agreement&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Separation and Distribution Agreement addresses, among other things, the following activities:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;the obligation of each party to indemnify the other against liabilities retained or assumed by that party pursuant to the Separation and Distribution Agreement and in connection with claims of third-parties; &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;the allocation among the parties of rights and obligations under insurance policies; and&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;the creation of a governance structure by which matters related to the separation and other transactions contemplated by the Separation and Distribution Agreement are to be managed.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Separation and Distribution Agreement provides specific processes and procedures pursuant to which we may submit claims for indemnification to Navient. If for any reason Navient is unable or unwilling to pay claims made against it, our costs, operating expenses, cash flows, and financial condition could be materially and adversely affected over time.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Indemnification Obligations&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Pursuant to the terms of the Separation and Distribution Agreement, and as contemplated by the structure of the Spin-Off, Navient is legally obligated to indemnify the Bank against all claims, actions, damages, losses, or expenses that may arise from the conduct of all activities of pre-Spin-Off SLM occurring prior to the Spin-Off, except for certain liabilities related to the conduct of the pre-Spin-Off consumer banking business that were specifically assumed by the Bank (and as to which the Bank is obligated to indemnify Navient). Some significant examples of the types of indemnification obligations Navient has under the Separation and Distribution Agreement and related ancillary agreements include:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Navient is required to indemnify the Company and the Bank for any liabilities, costs, or expenses they may incur arising from any action or threatened action related to the servicing, operations, and collections activities of pre-Spin-Off SLM and its subsidiaries with respect to Private Education Loans and FFELP Loans that were assets of the Bank or Navient at the time of the Spin-Off; provided that written notice was provided to Navient on or prior to April 30, 2017, the third anniversary date of the Spin-Off. Navient is not required to indemnify for changes in law or changes in prior existing interpretations of law that occur on or after April 30, 2014. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;In connection with the Spin-Off, we recorded a liability related to uncertain tax positions of $27 million for which we are indemnified by Navient. As of December 31, 2021, the remaining balance of the indemnification receivable related to those uncertain tax positions was $5 million. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Long-Term Arrangements&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The loan servicing and administration agreement governs the terms by which Navient provides servicing, administration, and collection services for the Bank&#x2019;s portfolio of FFELP Loans, as well as servicing history information with respect to Private Education Loans previously serviced by Navient and access to certain promissory notes in Navient&#x2019;s possession. The term of the loan servicing and administration agreement has been extended to April 30, 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The data sharing agreement provided us the right to obtain from Navient certain post-Spin-Off performance data relating to Private Education Loans owned or serviced by Navient to support and facilitate ongoing underwriting, originations, forecasting, performance, and reserve analyses. 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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzU2Nzc_aba90bb0-00b2-425f-86ef-1503bb26d249">Regulatory Capital &lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Bank is subject to various regulatory capital requirements administered by the FDIC and the UDFI. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material adverse effect on our business, results of operations, and financial position. Under the FDIC&#x2019;s regulations implementing the Basel III capital framework (&#x201c;U.S. Basel III&#x201d;) and the regulatory framework for prompt corrective action, the Bank must meet specific capital standards that involve quantitative measures of its assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank&#x2019;s capital amounts and its classification under the prompt corrective action framework are also subject to qualitative judgments by the regulators about components of capital, risk weightings, and other factors.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt;The Bank is subject to the following minimum capital ratios under U.S. Basel III: a Common Equity Tier 1 risk-based capital ratio of 4.5 percent, a Tier 1 risk-based capital ratio of 6.0 percent, a Total risk-based capital ratio of 8.0 percent, and a Tier 1 leverage ratio of 4.0 percent. In addition, the Bank is subject to a Common Equity Tier 1 capital conservation buffer of greater than 2.5 percent. Failure to maintain the buffer will result in restrictions on the Bank&#x2019;s ability to make capital distributions, including the payment of dividends, and to pay discretionary bonuses to executive officers. Including the buffer, the Bank is required to maintain the following capital ratios under U.S. Basel III in order to avoid such restrictions: a Common Equity Tier 1 risk-based capital ratio of greater than 7.0 percent, a Tier 1 risk-based capital ratio of greater than 8.5 percent, and a Total risk-based capital ratio of greater than 10.5 percent.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;To qualify as &#x201c;well capitalized&#x201d; under the prompt corrective action framework for insured depository institutions, the Bank must maintain a Common Equity Tier 1 risk-based capital ratio of at least 6.5 percent, a Tier 1 risk-based capital ratio of at least 8.0 percent, a Total risk-based capital ratio of at least 10.0 percent, and a Tier 1 leverage ratio of at least 5.0 percent.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt;Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopt&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:115%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%"&gt;CECL during the 2020 calendar year, including the Bank, may elect to delay for two years, and then phase in over the following three years, the effects on regulatory capital of CECL relative to the incurred loss methodology. The Bank has elected to use this option. Therefore, the regulatory capital impact of the Bank&#x2019;s transition adjustments recorded on January 1, 2020 from the adoption of CECL, and 25 percent of the ongoing impact of CECL on the Bank&#x2019;s allowance for credit losses, retained earnings, and average total consolidated assets, each as reported for regulatory capital purposes (collectively, the &#x201c;adjusted transition amounts&#x201d;), were deferred for the two-year period ending January 1, 2022. From January 1, 2022 to January 1, 2025, the adjusted transition amounts will be phased in for regulatory capital purposes at a rate of 25 percent per year, with the phased-in amounts included in regulatory capital at the beginning of each year. The Bank&#x2019;s January 1, 2020 CECL transition amounts increased our allowance for credit losses by $1.1&#160;billion, increased the liability representing our off-balance sheet exposure for unfunded commitments by $116&#160;million, and increased our deferred tax asset by $306&#160;million, resulting in a cumulative effect adjustment that reduced retained earnings by $953&#160;million. This transition adjustment was inclusive of qualitative adjustments incorporated into our CECL allowance as necessary, to address any limitations in the models used. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following capital amounts and ratios are based upon the Bank&#x2019;s average assets and risk-weighted assets, as indicated. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center;text-indent:22.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.055%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:46.849%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.588%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.149%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.101%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:2.843%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.991%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:2.054%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Actual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;U.S. Basel III&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Minimum Requirements Plus Buffer&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common Equity Tier 1 Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,314,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,643,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,314,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,995,232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,410,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,464,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Average Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,314,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,198,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;As of December 31, 2020:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common Equity Tier 1 Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,579,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,794,780&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,579,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,179,375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,849,820&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;15.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,692,169&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Average Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,579,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,264,424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;         &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&#160;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reflects the U.S. Basel III minimum required ratio plus the applicable capital conservation buffer. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The Bank&#x2019;s regulatory capital ratios also exceeded all applicable standards for the Bank to qualify as &#x201c;well capitalized&#x201d; under the prompt corrective action framework.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Bank Dividends&lt;/span&gt;&lt;/div&gt;The Bank is chartered under the laws of the State of Utah and its deposits are insured by the FDIC. The Bank&#x2019;s ability to pay dividends is subject to the laws of Utah and the regulations of the FDIC. Generally, under Utah&#x2019;s industrial bank laws and regulations as well as FDIC regulations, the Bank may pay dividends from its net profits without regulatory approval if, following the payment of the dividend, the Bank&#x2019;s capital and surplus would not be impaired. The Bank declared $1.4&#160;billion, $579 million, and $254&#160;million in dividends to the Company for the years ended December 31, 2021, 2020, and 2019, respectively, with the proceeds primarily used to fund the 2021, 2020, and 2019 Share Repurchase Programs and stock dividends. In the future, we expect that the Bank will pay dividends to the Company as may be necessary to enable the Company to pay any declared dividends on its Series B Preferred Stock and common stock and to consummate any common share repurchases by the Company under its repurchase programs.</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNDUvZnJhZzpiMmZlNTQ2NjU0YjY0ZmMwYjI1M2ZlNGU0NTk5Njg2NS90ZXh0cmVnaW9uOmIyZmU1NDY2NTRiNjRmYzBiMjUzZmU0ZTQ1OTk2ODY1XzU2ODc_ea5f22ba-5b9b-4727-b913-d1744ebcdfcb">&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following capital amounts and ratios are based upon the Bank&#x2019;s average assets and risk-weighted assets, as indicated. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center;text-indent:22.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.055%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:46.849%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.588%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:12.149%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:7.101%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:2.843%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.991%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:2.054%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:8.525%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(Dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Actual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;U.S. Basel III&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Minimum Requirements Plus Buffer&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;As of December 31, 2021:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common Equity Tier 1 Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,314,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,643,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,314,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,995,232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,410,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,464,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Average Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,314,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,198,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;As of December 31, 2020:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common Equity Tier 1 Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,579,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,794,780&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,579,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,179,375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,849,820&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;15.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,692,169&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Average Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,579,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,264,424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;         &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&#160;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Reflects the U.S. Basel III minimum required ratio plus the applicable capital conservation buffer. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;The Bank&#x2019;s regulatory capital ratios also exceeded all applicable standards for the Bank to qualify as &#x201c;well capitalized&#x201d; under the prompt corrective action framework.&lt;/span&gt;&lt;/div&gt;</us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
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As such, we do not always disburse the full amount of the loan at the time of such approval, but instead have a commitment to fund a portion of the loan at a later date (usually at the start of the second semester or subsequent trimesters). At December 31, 2021, we had $1.8 billion of outstanding contractual loan commitments which we expect to fund during the remainder of the 2021/2022 academic year. At December 31, 2021, we had a $73 million reserve recorded in &#x201c;Other Liabilities&#x201d; to cover expected losses that may occur during the one-year loss emergence period on these unfunded commitments. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Regulatory Matters &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In May 2014, the Bank received a Civil Investigative Demand (&#x201c;CID&#x201d;) from the CFPB as part of the CFPB&#x2019;s separate investigation relating to customer complaints, fees, and charges assessed in connection with the servicing of student loans and related collection practices of pre-Spin-Off SLM by entities now subsidiaries of Navient during a time period prior to the Spin-Off (the &#x201c;CFPB Investigation&#x201d;). Two state attorneys general also provided the Bank identical CIDs and other state attorneys general have become involved in the inquiry over time (collectively, the &#x201c;Multi-State Investigation&#x201d;). To the extent requested, the Bank has been cooperating fully with the CFPB and the attorneys general conducting the Multi-State Investigation. Given the timeframe covered by the CIDs, the CFPB Investigation and the Multi-State Investigation, and the focus on practices and procedures previously conducted by Navient and its servicing subsidiaries prior to the Spin-Off, Navient is leading the response to these investigations. Consequently, we have no basis from which to estimate either the duration or ultimate outcome of these investigations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;With regard to the CFPB Investigation, we note that on January 18, 2017, the CFPB filed a complaint in federal court in Pennsylvania against Navient, along with its subsidiaries, Navient Solutions, Inc. and Pioneer Credit Recovery, Inc. The complaint alleges these Navient entities, among other things, engaged in deceptive practices with respect to their historic servicing and debt collection practices. Neither SLM, the Bank, nor any of their current subsidiaries are named in, or otherwise a party to, the lawsuit and are not alleged to have engaged in any wrongdoing. The CFPB&#x2019;s complaint asserts Navient&#x2019;s assumption of these liabilities pursuant to the Separation and Distribution Agreement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On January 18, 2017, the Illinois Attorney General filed a lawsuit in Illinois state court against Navient - its subsidiaries Navient Solutions, Inc., Pioneer Credit Recovery, Inc., and General Revenue Corporation - and the Bank arising out of the Multi-State Investigation. On March 20, 2017, the Bank moved to dismiss the Illinois Attorney General action as to the Bank, arguing, among other things, the complaint failed to allege with sufficient particularity or specificity how the Bank was responsible for any of the alleged conduct, most of which predated the Bank&#x2019;s existence. On July 10, 2018, the Court granted the Bank&#x2019;s motion to dismiss without prejudice. On August 7, 2018, the Illinois Attorney General filed a First Amended Complaint and, on October 9, 2018, the Bank again moved to dismiss the action based on grounds similar to those raised in its March 20, 2017 motion. The Illinois Attorney General filed its response on November 21, 2018, and the Bank filed its reply on December 10, 2018. Oral argument on the motion took place on January 9, 2019. The Court took the motion under advisement, and a hearing took place on December 7, 2021. On December 16, 2021, the Court entered an Order granting the Bank&#x2019;s Motion to Dismiss the First Amended Complaint, thereby dismissing the Bank from the action with prejudice.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On January 13, 2022, Navient announced agreements with a total of forty state attorneys general to resolve their previously disclosed multistate litigation and investigation matters, including but not limited to four lawsuits (brought by the attorneys general for the states of California, Washington, Pennsylvania, and New Jersey) arising out of the Multi-State Investigation. Neither SLM, the Bank, nor any of their current subsidiaries are named in, or otherwise a party to, the &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;California, Washington, Pennsylvania, or New Jersey lawsuits, and no claims are asserted against them. The Company and the Bank are not parties to the Navient settlement and are not contributing any of the relief sought in the settlement. Further, the consent judgments between Navient and the various states contain releases of claims as to pre-Spin-Off SLM (including the Bank and other consolidated subsidiaries) for conduct occurring on or before the date of the Spin-Off.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Pursuant to the terms of the Separation and Distribution Agreement, and as contemplated by the structure of the Spin-Off, Navient is legally obligated to indemnify the Bank against all claims, actions, damages, losses, or expenses that may arise from the conduct of all activities of pre-Spin-Off SLM occurring prior to the Spin-Off, except for certain liabilities related to the conduct of the pre-Spin-Off consumer banking business that were specifically assumed by the Bank (and as to which the Bank is obligated to indemnify Navient). Navient has acknowledged its indemnification obligations under the Separation and Distribution Agreement, in connection with the Multi-State Investigation and the related lawsuits in which the Bank has been named as a party. Navient has informed the Bank, however, that it believes that the Bank may be responsible to indemnify Navient against certain potential liabilities arising from the above-described lawsuits under the Separation and Distribution Agreement and/or a separate loan servicing agreement between the parties, and has suggested that the parties defer further discussion regarding indemnification obligations, and reimbursement of ongoing legal costs, in connection with the lawsuits. The Bank disagrees with Navient&#x2019;s position and the Bank has reiterated to Navient that Navient is responsible for promptly indemnifying the Bank against all liabilities arising out of the conduct of pre-Spin-Off SLM that are at issue in the Multi-State Investigation and in the above-described lawsuits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Contingencies&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In the ordinary course of business, we and our subsidiaries are routinely defendants in or parties to pending and threatened legal actions and proceedings, including actions brought on behalf of various classes of claimants. These actions and proceedings may be based on alleged violations of consumer protection, securities, employment, and other laws. In certain of these actions and proceedings, claims for substantial monetary damage may be asserted against us and our subsidiaries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;It is common for the Company, our subsidiaries, and affiliates to receive information and document requests and investigative demands from state attorneys general, legislative committees, and administrative agencies. These requests may be for informational or regulatory purposes and may relate to our business practices, the industries in which we operate, or other companies with whom we conduct business. Our practice has been and continues to be to cooperate with these bodies and be responsive to any such requests.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We are required to establish reserves for litigation and regulatory matters where those matters present loss contingencies that are both probable and estimable. When loss contingencies are not both probable and estimable, we do not establish reserves.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Based on current knowledge, management does not believe there are loss contingencies, if any, arising from pending investigations, litigation, or regulatory matters for which reserves should be established.&lt;/span&gt;&lt;/div&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
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      decimals="-6"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTEvZnJhZzowMzViZmQ0ZTI2MzY0MmVlOTJjYzQ1NTZhNWJhOTM4YS90ZXh0cmVnaW9uOjAzNWJmZDRlMjYzNjQyZWU5MmNjNDU1NmE1YmE5MzhhXzY0Mw_4c596a00-a708-4a6f-abc2-1a7fdbae9856"
      unitRef="usd">73000000</slm:OtherLiabilitiesReserve>
    <slm:LossContingencyLossEmergencePeriod
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTEvZnJhZzowMzViZmQ0ZTI2MzY0MmVlOTJjYzQ1NTZhNWJhOTM4YS90ZXh0cmVnaW9uOjAzNWJmZDRlMjYzNjQyZWU5MmNjNDU1NmE1YmE5MzhhXzM4NDgyOTA3MTk0MjA_811999b9-c77c-402f-94d9-6ddc845cc399">P1Y</slm:LossContingencyLossEmergencePeriod>
    <us-gaap:IncomeTaxDisclosureTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzQ1NTA_0a5fe03e-e9b1-4c48-8d69-2e93c40a4739">Income Taxes &lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Reconciliations of the statutory U.S. federal income tax rates to our effective tax rate for continuing operations follow:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:71.527%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:44.142%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.159%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.793%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.159%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.793%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.159%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.795%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Statutory rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;State tax, net of federal benefit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Business tax credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(0.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(2.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(3.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Reverse federal impact of indemnification adjustments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Unrecognized tax benefits, U.S. federal and state, net of federal benefit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(0.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Effective tax rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;24.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;23.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The effective tax rate varies from the statutory U.S. federal rate of 21 percent primarily due to the impact of state taxes, net of federal benefit, for the year ended December 31, 2021; and due to business tax credits and the impact of state taxes, net of federal benefit, for the year ended December 31, 2020 and 2019, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Income tax expense consists of:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-align:center;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.750%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:44.286%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:2.478%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.284%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.741%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.284%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.741%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.286%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Current provision (benefit):&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Federal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;259,536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;172,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;150,800&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;State&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;64,843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;28,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;24,378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total current provision (benefit)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;324,379&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;200,540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;175,178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deferred provision (benefit):&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Federal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;58,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(8,240)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;State&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,474)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total deferred provision (benefit)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;55,372&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;72,776&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(9,714)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Provision for income tax expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;379,751&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;273,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;165,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The tax effect of temporary differences that give rise to deferred tax assets and liabilities is summarized below. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:66.527%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:60.069%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.261%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.062%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.843%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.065%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Deferred tax assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loan reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;300,538&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;356,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Stock-based compensation plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,914&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deferred revenue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Operating loss carryovers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;394&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Accrued expenses not currently deductible&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14,307&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net unrealized losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Unrecorded tax benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;338,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;398,920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Deferred tax liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Fixed assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,098&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Acquired intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,767&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Market value adjustments on student loans, investments and derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net unrealized gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Federal deferred for state receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,456&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Student loan premiums and discounts, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,336&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;307&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total deferred tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;40,013&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;43,615&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Net deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;298,831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;355,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Included in operating loss carryovers are state net operating losses of $286 million and $277 million as of December 31, 2021 and 2020, respectively. The Company has recorded a valuation allowance against these net operating losses of $285&#160;million and $277&#160;million, respectively. Also included in operating loss carryovers is a capital loss of $16&#160;million and $16&#160;million as of December 31, 2021 and 2020, respectively. The Company has recorded a full valuation allowance against this capital loss. The valuation allowance is primarily attributable to deferred tax assets for state net operating losses and capital losses that management believes is more likely than not to expire prior to being realized.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The ultimate realization of the deferred tax assets is dependent upon the generation of future taxable income of the appropriate character (i.e., capital or ordinary) during the period in which the temporary differences become deductible. Management considers, among other things, the scheduled reversals of deferred tax liabilities and the history of positive taxable income in evaluating the realizability of the deferred tax assets. Management believes that it is more likely than not that the results of future operations will generate sufficient taxable income to realize our deferred tax assets (other than state net operating loss and capital loss carryovers as outlined above).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December 31, 2021, the state net operating loss carryforwards will begin to expire in 2029 and the capital losses in 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Accounting for Uncertainty in Income Taxes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes changes in unrecognized tax benefits:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.694%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:56.480%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:2.097%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.763%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.565%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.763%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.565%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.767%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Unrecognized tax benefits at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;63,134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;52,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Increases resulting from tax positions taken during a prior period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Decreases resulting from tax positions taken during a prior period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,481)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(817)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(851)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Increases resulting from tax positions taken during the current period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,572&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Decreases related to settlements with taxing authorities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(3,682)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(148)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(8,670)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Increases related to settlements with taxing authorities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Reductions related to the lapse of statute of limitations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,978)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(9,948)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(6,034)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Unrecognized tax benefits at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;75,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;63,134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December&#160;31, 2021, the gross unrecognized tax benefits are $75 million. Included in the $75 million are $65&#160;million of unrecognized tax benefits that, if recognized, would favorably impact the effective tax rate. As a part of the Spin-Off, the Company recorded a liability related to uncertain tax positions for which it is indemnified by Navient. See Note 2, &#x201c;Significant Accounting Policies &#x2014; Income Taxes,&#x201d; for additional details.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Tax-related interest and penalty expense is reported as a component of income tax expense. As of December 31, 2021, 2020, and 2019, the total amount of income tax-related accrued interest and penalties, net of related benefit, recognized in the consolidated balance sheets was $10 million, $11 million, and $12 million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For the years ended December 31, 2021, 2020, and 2019, the total amount of income tax-related accrued interest, net of related tax benefit, recognized in the consolidated statements of income was $(1) million, $(1) million, and $(1) million, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company or one of its subsidiaries files income tax returns at the U.S. federal level and in most U.S. states. U.S. federal income tax returns filed for years 2014 and prior are no longer subject to examination. Various combinations of subsidiaries, tax years, and jurisdictions remain open for review, subject to statute of limitations periods (typically &lt;span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzM2OTM_7cb96500-24b5-47d5-844e-ed1b1c28110b"&gt;three&lt;/span&gt; to &lt;span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzM2OTk_8547c727-7d20-4c1b-b95a-e67eef386472"&gt;four&lt;/span&gt; prior years). The Company&#x2019;s federal income tax returns for the years ended December 31, 2015, December 31, 2016, and December 31, 2017 are currently under audit by the Internal Revenue Service. We do not expect the resolution of open audits to have a material impact on our unrecognized tax benefits.&lt;/span&gt;&lt;/div&gt;It is reasonably possible that the uncertain tax position reserve may decrease by as much as $6 million during the next 12 months due to the expiration of statutes of limitations, some of which related to indemnified tax liabilities. The reduction in the uncertain tax position reserve would be reflected as a tax benefit. We recorded a tax indemnification receivable from Navient for the indemnified tax liabilities which are included in the uncertain tax position reserve. A portion of the tax benefit will be offset by an expense related to the write-down of the indemnification receivable.</us-gaap:IncomeTaxDisclosureTextBlock>
    <us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTQvZnJhZzoxMmFhNjJkZDQ1YWE0MTk1OGJiZmRmOTAxNDI5ODY0Yy90ZXh0cmVnaW9uOjEyYWE2MmRkNDVhYTQxOTU4YmJmZGY5MDE0Mjk4NjRjXzQ1NTc_d314f325-43ee-4ef5-9051-bb4382bba530">&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Reconciliations of the statutory U.S. federal income tax rates to our effective tax rate for continuing operations follow:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:71.527%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:44.142%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.159%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.793%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.159%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.793%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.159%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.795%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Statutory rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;State tax, net of federal benefit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Business tax credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(0.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(2.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(3.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Reverse federal impact of indemnification adjustments &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td 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style="width:44.286%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:2.478%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.284%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.741%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.284%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.741%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:15.286%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Current provision (benefit):&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Federal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;259,536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;172,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;150,800&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;State&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;64,843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;28,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;24,378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total current provision (benefit)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;324,379&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;200,540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;175,178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Deferred provision (benefit):&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span 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0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(8,240)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;State&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span 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style="width:1.261%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.062%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.843%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:17.065%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" 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1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loan reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;300,538&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" 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colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net unrealized losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Unrecorded tax benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;338,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;398,920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Deferred tax liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Fixed assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,098&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Acquired intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,767&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Market value adjustments on student loans, investments and derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net unrealized gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Federal deferred for state receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,456&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Student loan premiums and discounts, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,336&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;307&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total deferred tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;40,013&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;43,615&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Net deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;298,831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;355,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
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style="width:2.097%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.763%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.565%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.763%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.565%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.767%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31,&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 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style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;52,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Increases resulting from tax positions taken during a prior period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Decreases resulting from tax positions taken during a prior period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,481)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(817)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(851)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Increases resulting from tax positions taken during the current period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,572&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Decreases related to settlements with taxing authorities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(3,682)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(148)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(8,670)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Increases related to settlements with taxing authorities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Reductions related to the lapse of statute of limitations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,978)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(9,948)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(6,034)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 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2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;63,134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" 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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNTcvZnJhZzowMjE4MzU2NjgxMWU0YTUzOWY4ZDA5YjUzMjY3NGVjZS90ZXh0cmVnaW9uOjAyMTgzNTY2ODExZTRhNTM5ZjhkMDliNTMyNjc0ZWNlXzIzMDI_33afa2e8-6a96-4edb-aefc-296afe90ca0b">Concentrations of Risk&lt;div style="margin-top:5pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Our business is primarily focused on helping students and their families save, plan, and pay for college. We primarily originate, service, and/or collect loans made to students and their families to finance the cost of their education. We provide funding, delivery, and servicing support for education loans in the United States through our Private Education Loan program.  Because of this concentration in one industry, we are exposed to credit, legislative/political/reputational, operational, regulatory, liquidity, capital, and interest rate risks associated with the student loan industry.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:14pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Concentration Risk in the Revenues Associated with Private Education Loans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We compete in the Private Education Loan market with banks and other consumer lending institutions, some with strong consumer brand name recognition and greater financial resources. We compete based on our products, origination capability, and customer service. To the extent our competitors compete aggressively or more effectively, we could lose market share to them or subject our existing loans to refinancing risk. Our product offerings may not prove to be profitable and may result in higher than expected losses.&lt;/span&gt;&lt;/div&gt;We are a leading provider of saving- and paying-for-college products and programs. This concentration gives us a competitive advantage in the marketplace. This concentration also creates risks in our business, particularly in light of our concentration as a Private Education Loan lender. If population demographics result in a decrease in college-age individuals, if demand for higher education decreases, if the cost of attendance of higher education decreases, if consumers increase their targeted savings for higher education, if public resistance to higher education costs strengthens, if certain proposals for new federal and state spending on education gain broader appeal or momentum, or if the demand for higher education loans decreases, our consumer lending business could be negatively affected. In addition, the federal government, through the Federal Direct Student Loan Program (the &#x201c;DSLP&#x201d;), poses significant competition to our private credit loan products. If loan limits under the DSLP increase, DSLP loans could be more widely available to students and their families and DSLP loans could increase, resulting in further decreases in the size of the Private Education Loan market and demand for our Private Education Loan products. Also, competition from banks and other consumer lenders, many of whom may have a greater level of diversification in their mix of assets or may have lower return hurdles, could lead to decreases in demand for our Private Education Loan products.</us-gaap:ConcentrationRiskDisclosureTextBlock>
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      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90ZXh0cmVnaW9uOjI1NWIwMDU2NWMwNzQ4ODVhMTlkM2VjMWIyZTg3YzgyXzY0Ng_518d4b80-b2b0-4b3d-9c1f-463a89b79e81">Parent Only Statements &lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following parent company-only financial information should be read in conjunction with the other notes to the consolidated financial statements. The accounting policies for the parent company-only financial statements are the same as those used in the presentation of the consolidated financial statements, except that the parent company-only financial statements account for the parent company&#x2019;s investments in its subsidiaries under the equity method.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:70.416%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:64.580%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.180%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.679%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.180%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.681%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Parent Only Condensed Balance Sheets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;At December 31, (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;570,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;539,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total investments in subsidiaries (primarily Sallie Mae Bank)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,527,780&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,689,027&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Income taxes receivables, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,835&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tax indemnification receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Due from subsidiaries, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;105,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,215,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,298,242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Liabilities and Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Long-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;986,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Income taxes payable, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;34,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Payable due to Navient&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;44,809&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;33,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,065,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;735,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Preferred stock, par value $0.20 per share, 20 million shares authorized:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Series B: 2.5 million and 2.5 million shares issued, respectively, at stated value of $100 per share&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;251,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;251,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common stock, par value $0.20 per share, 1.125 billion shares authorized: 432.0 million and 456.7 million shares issued, respectively&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;86,403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;91,346&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Additional paid-in capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,074,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,331,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Accumulated other comprehensive loss (net of tax benefit of $(5,707) and $(10,908), respectively)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(17,897)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(34,200)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Retained earnings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,817,134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,722,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total SLM Corporation stockholders&#x2019; equity before treasury stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,211,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,361,828&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Less: Common stock held in treasury at cost: 153.1 million and 81.4 million shares, respectively&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(2,061,383)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(798,993)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,149,711&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,562,835&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total liabilities and equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,215,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,298,242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:14pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.333%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:49.468%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.125%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.051%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.125%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.051%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.125%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.055%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Parent Only Condensed Statements of Income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years ended December 31, (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;35,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net interest loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(34,816)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(14,444)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(8,397)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Non-interest income (loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(13,078)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,820&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(10,856)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Non-interest expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;54,352&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;57,945&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;39,423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loss before income tax benefit and equity in net income from subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(102,246)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(69,569)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(58,676)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Income tax expense (benefit)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(11,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(25,260)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Equity in net income from subsidiaries (primarily Sallie Mae Bank)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,271,236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;939,024&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;611,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,160,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;880,690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;578,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Preferred stock dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,736&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net income attributable to SLM Corporation common stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,155,777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;870,956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;561,439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.555%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:56.529%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.936%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.887%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.936%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.887%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.936%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:11.889%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Parent Only Condensed Statement of Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Years ended December 31, (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Cash flows from operating activities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,160,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;880,690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;578,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Adjustments to reconcile net income to net cash (used in) provided by operating activities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Undistributed earnings of subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,271,236)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(939,024)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(611,692)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Dividends received from Sallie Mae Bank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,444,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;579,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;254,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Reduction of tax indemnification receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,649&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Amortization of unsecured debt upfront fees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;811&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loss on early extinguishment of unsecured debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Gain on sale of Upromise subsidiary, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(11,331)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Decrease in investment in subsidiaries, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;34,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,698&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(Increase) decrease in due from subsidiaries, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(58,310)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,813)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Increase in other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(16,964)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(10,504)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(12,999)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Increase (decrease) in income taxes payable, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;36,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(13,292)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(25,814)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Decrease in payable due to entity that is a subsidiary of Navient&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(8,430)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(533)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(416)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Increase (decrease) in other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,874&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(5,796)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;179,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(323,430)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(381,392)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net cash provided by operating activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,339,722&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;557,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;196,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Cash flows from investing activities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Proceeds from the sale of Upromise subsidiary, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,922&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net cash provided by investing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,922&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Cash flows from financing activities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Issuance costs for unsecured debt offering&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,540)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,309)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Unsecured debt issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;492,135&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;495,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Unsecured debt repaid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(202,784)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Repurchase of Series B Preferred Stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(68,055)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common stock dividends paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(60,462)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(46,351)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(51,114)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Preferred stock dividends paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,736)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(9,734)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(16,837)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common stock repurchased&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,530,683)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(558,167)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(167,201)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net cash used in financing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,308,070)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(188,616)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(235,152)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net increase (decrease) in cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;31,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;385,566&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(38,268)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;539,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;153,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;191,776&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;570,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;539,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;153,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
    <srt:ScheduleOfCondensedBalanceSheetTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjAvZnJhZzoyNTViMDA1NjVjMDc0ODg1YTE5ZDNlYzFiMmU4N2M4Mi90ZXh0cmVnaW9uOjI1NWIwMDU2NWMwNzQ4ODVhMTlkM2VjMWIyZTg3YzgyXzY1OQ_d6a618a1-8c07-4dcd-82a2-2baf7651d8f1">&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:70.416%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:64.580%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.180%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.679%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.180%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:14.681%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Parent Only Condensed Balance Sheets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;At December 31, (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;570,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;539,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total investments in subsidiaries (primarily Sallie Mae Bank)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,527,780&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,689,027&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Income taxes receivables, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,835&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tax indemnification receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Due from subsidiaries, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;105,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,215,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,298,242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Liabilities and Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Long-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;986,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;692,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Income taxes payable, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;34,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Payable due to Navient&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;44,809&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;33,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,065,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;735,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Preferred stock, par value $0.20 per share, 20 million shares authorized:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Series B: 2.5 million and 2.5 million shares issued, respectively, at stated value of $100 per share&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;251,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;251,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common stock, par value $0.20 per share, 1.125 billion shares authorized: 432.0 million and 456.7 million shares issued, respectively&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;86,403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;91,346&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Additional paid-in capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,074,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,331,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Accumulated other comprehensive loss (net of tax benefit of $(5,707) and $(10,908), respectively)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(17,897)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(34,200)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Retained earnings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,817,134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,722,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total SLM Corporation stockholders&#x2019; equity before treasury stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,211,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,361,828&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Less: Common stock held in treasury at cost: 153.1 million and 81.4 million shares, respectively&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(2,061,383)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(798,993)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,149,711&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,562,835&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span 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style="width:1.0%"/&gt;&lt;td style="width:14.055%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Parent Only Condensed Statements of Income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Years ended December 31, (dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;35,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net interest loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(34,816)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(14,444)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(8,397)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Non-interest income (loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(13,078)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,820&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(10,856)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Non-interest expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;54,352&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;57,945&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;39,423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loss before income tax benefit and equity in net income from subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(102,246)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(69,569)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(58,676)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Income tax expense (benefit)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(11,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(25,260)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Equity in net income from subsidiaries (primarily Sallie Mae Bank)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,271,236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;939,024&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;611,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,160,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;880,690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;578,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Preferred stock dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span 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style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Cash flows from operating activities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,160,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;880,690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;578,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Adjustments to reconcile net income to net cash (used in) provided by operating activities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Undistributed earnings of subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,271,236)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(939,024)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(611,692)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Dividends received from Sallie Mae Bank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,444,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;579,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;254,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Reduction of tax indemnification receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,649&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Amortization of unsecured debt upfront fees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;811&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loss on early extinguishment of unsecured debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Gain on sale of Upromise subsidiary, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(11,331)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Decrease in investment in subsidiaries, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;34,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,698&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(Increase) decrease in due from subsidiaries, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(58,310)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,813)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Increase in other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(16,964)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(10,504)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(12,999)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Increase (decrease) in income taxes payable, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;36,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(13,292)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(25,814)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Decrease in payable due to entity that is a subsidiary of Navient&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(8,430)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(533)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(416)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Increase (decrease) in other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;12,874&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(5,796)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;179,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(323,430)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(381,392)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net cash provided by operating activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,339,722&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;557,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;196,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Cash flows from investing activities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Proceeds from the sale of Upromise subsidiary, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,922&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net cash provided by investing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;16,922&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Cash flows from financing activities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Issuance costs for unsecured debt offering&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,540)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,309)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Unsecured debt issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;492,135&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;495,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Unsecured debt repaid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(202,784)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Repurchase of Series B Preferred Stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(68,055)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common stock dividends paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(60,462)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(46,351)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(51,114)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Preferred stock dividends paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,736)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(9,734)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(16,837)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Common stock repurchased&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,530,683)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(558,167)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(167,201)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net cash used in financing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,308,070)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(188,616)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(235,152)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net increase (decrease) in cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;31,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;385,566&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(38,268)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;539,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;153,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;191,776&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span 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0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;539,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;153,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;</srt:ScheduleOfCondensedCashFlowStatementTableTextBlock>
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style="width:0.1%"/&gt;&lt;td style="width:0.717%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.717%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.912%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="21" style="padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline"&gt;(Dollars in thousands, except per share data)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;First &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Second&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Third&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Fourth&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Quarter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span 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style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Less: provisions for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(225,767)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;69,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;138,442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(15,309)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net interest income after provisions for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;556,881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;269,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;219,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;382,659&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Gains (losses) on sales of loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;399,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,679&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;145,535&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Gains (losses) on derivative and hedging activities, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;89&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14,288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;48,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total operating expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;124,499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;128,010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;140,649&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;125,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total restructuring expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Income tax expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;203,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;103,660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;641,207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;140,201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;72,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;306,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Preferred stock dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net income attributable to SLM Corporation common stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;640,006&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;139,009&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;71,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;305,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Basic earnings per common share&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.06&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Diluted earnings per common share&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.04&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Declared dividends per common share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.03&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.03&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.03&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;&#160;&#160;&#160;&#160;     &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:99pt;padding-right:63pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline"&gt;(1) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Basic and diluted earnings per common share attributable to SLM Corporation are computed independently for each of the quarters presented. Therefore, the sum of quarterly basic and diluted earnings per common share information may not equal annual basic and diluted earnings per common share.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.555%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:51.105%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.719%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.929%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.719%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.929%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.719%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.929%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.719%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.932%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="21" style="padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;First&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Second&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Third&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Fourth&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline"&gt;(Dollars in thousands, except per share data)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Quarter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Quarter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Quarter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Quarter&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;400,116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;348,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;364,567&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;366,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Less: provisions for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;61,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;351,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(3,640)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(316,372)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net interest income (loss) after provisions for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;338,858&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(3,112)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;368,207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;682,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Gains (losses) on sales of loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;238,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(369)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Gains (losses) on derivative and hedging activities, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;45,672&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,751&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;25,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total operating expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;147,298&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;141,557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;127,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;121,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total restructuring expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;24,127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"&gt;2,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Income tax expense (benefit)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;121,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(30,664)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;55,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;127,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Net income (loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;362,173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(85,211)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;171,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;432,700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Preferred stock dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net income (loss) attributable to SLM Corporation common stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;358,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(87,689)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;168,970&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;430,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Basic earnings (loss) per common share&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(0.23)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Diluted earnings (loss) per common share&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(0.23)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Declared dividends per common share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.03&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.06&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.03&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;&#160;&#160;&#160;&#160;      &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:99pt;padding-right:63pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline"&gt;(1) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Basic and diluted earnings per common share attributable to SLM Corporation are computed independently for each of the quarters presented. Therefore, the sum of quarterly basic and diluted earnings per common share information may not equal annual basic and diluted earnings per common share.&lt;/span&gt;&lt;/div&gt;</us-gaap:QuarterlyFinancialInformationTextBlock>
    <us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock
      contextRef="i5cbe2897b0a54763abc6033218801f5f_D20210101-20211231"
      id="id3VybDovL2RvY3MudjEvZG9jOjM1NDcyMTcwMzIwYTQ4ZTdhZWJmYzM3NDMxMjlhMmUwL3NlYzozNTQ3MjE3MDMyMGE0OGU3YWViZmMzNzQzMTI5YTJlMF8xNjMvZnJhZzo4MmNhYzc0NDI5ZWY0MzEyYWFmM2VlNjAyZjUxNGI4ZC90ZXh0cmVnaW9uOjgyY2FjNzQ0MjllZjQzMTJhYWYzZWU2MDJmNTE0YjhkXzcyMA_6709fedb-745d-4896-b4e4-4acb69a32c5b">&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.694%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:51.193%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.717%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.717%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.717%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.909%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.717%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.912%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="21" style="padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline"&gt;(Dollars in thousands, except per share data)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;First &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Second&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Third&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Fourth&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Quarter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Quarter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Quarter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Quarter&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;331,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;338,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;357,518&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;367,350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Less: provisions for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(225,767)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;69,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;138,442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(15,309)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net interest income after provisions for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;556,881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;269,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;219,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;382,659&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Gains (losses) on sales of loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;399,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,679&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;145,535&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Gains (losses) on derivative and hedging activities, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;89&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;14,288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;48,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total operating expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;124,499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;128,010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;140,649&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;125,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total restructuring expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Income tax expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;203,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;103,660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;641,207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;140,201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;72,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;306,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Preferred stock dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net income attributable to SLM Corporation common stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;640,006&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;139,009&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;71,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;305,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Basic earnings per common share&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.06&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Diluted earnings per common share&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.04&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Declared dividends per common share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.03&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.03&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.03&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;&#160;&#160;&#160;&#160;     &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:99pt;padding-right:63pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline"&gt;(1) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Basic and diluted earnings per common share attributable to SLM Corporation are computed independently for each of the quarters presented. Therefore, the sum of quarterly basic and diluted earnings per common share information may not equal annual basic and diluted earnings per common share.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:75.555%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:51.105%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.719%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.929%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.719%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.929%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.719%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.929%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:0.719%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;td style="width:1.0%"/&gt;&lt;td style="width:9.932%"/&gt;&lt;td style="width:0.1%"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#5078a1;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="21" style="padding:0 1pt"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;First&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Second&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Third&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Fourth&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline"&gt;(Dollars in thousands, except per share data)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Quarter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Quarter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Quarter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"/&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Quarter&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;400,116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;348,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;364,567&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;366,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Less: provisions for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;61,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;351,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(3,640)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(316,372)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net interest income (loss) after provisions for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;338,858&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(3,112)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;368,207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;682,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Gains (losses) on sales of loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;238,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(369)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;td colspan="3" style="display:none"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Gains (losses) on derivative and hedging activities, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;45,672&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,751&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Other income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;25,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total operating expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;147,298&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;141,557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;127,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;121,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total restructuring expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;24,127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%"&gt;2,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Income tax expense (benefit)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;121,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(30,664)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;55,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;127,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Net income (loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;362,173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(85,211)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;171,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;432,700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Preferred stock dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Net income (loss) attributable to SLM Corporation common stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;358,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(87,689)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;168,970&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;430,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Basic earnings (loss) per common share&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(0.23)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Diluted earnings (loss) per common share&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(0.23)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span 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0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Declared dividends per common share&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span 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style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.06&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;0.03&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;&#160;&#160;&#160;&#160;      &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:99pt;padding-right:63pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline"&gt;(1) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Basic and diluted earnings per common share attributable to SLM Corporation are computed 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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
